Finance with a business purpose
Give your next move a sound foundation.
Commercial finance begins with the purpose of the borrowing and a credible way to repay it. The property, the business and your personal exposure may all be connected. Ledger Black connects you with partner advisers to discuss your requirements. The adviser confirms their commercial lending scope and available lenders; Ledger Black does not provide advice, arrange credit itself or make lending decisions.
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A THOUGHTFUL STARTING POINT
Make room for a clearer decision.
Tell a coherent funding story
Bring the purpose, ownership structure, financial information and repayment plan into one considered application.
Consider more than the rate
Discuss security, guarantees, fees, conditions and the practical implications of the proposed loan term.
Plan for the less convenient outcome
Consider how a vacancy, cost increase, delayed sale or weaker trading period could affect the ability to repay.
Match the finance to the purpose
An owner-occupied commercial property, an investment building and a short-term funding need are different propositions. Lenders may look at business cash flow, lease quality, property valuation, borrower experience and the proposed exit. Your adviser can help identify relevant options within their access and explain where a specialist lender or another professional is needed. Not every adviser handles every form of commercial finance.
Make the obligations visible before signing
A commercial loan can carry reporting requirements, financial covenants, review dates and personal guarantees. Your lawyer should explain the security documents and legal exposure, while your accountant can help assess the business and tax implications. Compare the total costs and repayment assumptions, not just the initial offer. Approval, final terms and any valuation requirements remain with the lender.
A FEW GOOD QUESTIONS
Know where
you stand.
Clear information makes for a better conversation. Here are some useful things to understand before you start.
What should I prepare for an initial conversation?
Be ready to explain the purpose and amount of borrowing, the proposed security and how the debt will be repaid. Depending on the proposal, the adviser may ask for accounts, forecasts, existing lending details, a sale agreement or lease information. They will confirm the specific requirements.
Can you help with a proposal a bank has declined?
A partner adviser may be able to assess the reasons and consider other options within their lender access. An alternative lender can involve different costs, security and risks. A previous decline does not guarantee another lender will approve the proposal.
Will I need to provide a personal guarantee?
That depends on the borrower, structure and lender’s requirements. A guarantee can expose personal assets even when the borrower is a company. Obtain independent legal advice on the proposed documents and do not assume limited liability removes your personal obligations.
EXPLORE THE POSSIBILITIES
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Your next chapter.
A clearer way forward.
Tell us what matters to you. We’ll help connect you with a Ledger Black partner for the conversation that comes next.
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