Business Finance

What products can Fortus Business Finance offer your business?

Commercial Business Finance

Cash Flow

• Maintaining a healthy cash flow by leveraging finance to unlock capital can enhance your business’s security and enable growth. Custom Business Finance can assist in securing the right financing and repayment plan to help you achieve your business objectives.

Invoice Finance

• A way to access cash before your customers actually pay you. This type of financing allows you to borrow money you’re due to be paid, in advance, in exchange for a percentage of the total sum.
• There are intricacies involved here though, but don’t worry – we know invoice financing inside out and will guide you through it all (in plain English).

Asset Finance

• Need access to equipment, vehicles or technology to grow your business without compromising cash flow? Or want to release value from those assets you already own?
• Asset financing is an umbrella term for a range of funding solutions, including; Hire Purchase, Refinance/Capital Release, Finance Lease and Operating Lease – all of which we can advise on.

VAT funding

• VAT loans offer short-term financial support to UK businesses, aiding in managing cash flow and quarterly VAT payments.
• They are beneficial for small businesses facing low cash flow or large upcoming investments, helping them pay bills on time without disrupting business plans.

Tax Funding

• Every limited company in the UK must pay corporation tax, with HMRC strictly enforcing timely payment.
• For the 2023/24 tax year, changes in the corporation tax calculation mean that tax rates vary based on profits:
  • Companies with profits under £50,000 are taxed at 19%.
  • Companies with higher profits are taxed at 25%.
• Meeting corporation tax obligations is crucial, making it a major annual expense for businesses.
• If faced with an unaffordable corporation tax bill, various loan options are available to assist.

Property Finance

We are able to bring a wealth of experience in a multitude of solutions from development finance and short-term bridging solutions, to commercial mortgage finance for owner occupiers and investors.

Development Finance

• If you’re an existing developer or starting your first property development, you may require funding towards purchasing land, site work costs and renovation costs.
• We have an extensive list of lenders and will provide you with a fully-managed service to help you decide on the one that’s most suitable for you, whilst securing the most competitive deal on the market.
• We’ll help you secure finance across a wide range of projects including small to large housing developments, PRS/PBSA, industrial sites, office development, and student accommodation.
• We can assist with senior debt, stretched senior debt, Mezzanine debt and equity/JV partnerships – via our bridging team we can also assist with development exit loans.

Bridging Finance

• When finance is needed at short notice, a bridging loan can be the right solution – but timing is crucial. We have extensive experience in quickly securing competitive loan propositions.
• Bridging can be an effective tool when acquiring land for development when either time is of the essence or where the land requires an alteration of the planning permission before development funding can be sought. On some occasions bridging can be used to acquire land without planning permission or with planning pending.

Buy-to-Let (BTL) Finance

• BTL mortgages can be taken out as an individual, limited company, or Limited Liability Partnership (LLP). We work with many professional BTL landlords who, with our guidance, have successfully built a flourishing portfolio of properties.

Commercial Mortgage Finance

• Whether you’re looking to purchase a commercial property, refinance, or already have a commercial mortgage and would like to explore a new deal, we have access to plenty of lenders to secure you a competitive deal that’s right for your needs.
• Commercial mortgages can be used for a variety of property types including agricultural & farming, industrial, retail, office, and warehousing & storage.

Why use Fortus Business Finance?

Finding the best deal can be incredibly time and resource consuming – let alone then completing the paperwork and keeping abreast of the best offerings. By becoming a Fortus Business Finance client, we can provide these skillsets ‘in-house’, taking care of all of the leg-work for you in one place.

We are incredibly experienced in putting together funding packages, and know what providers want to see in applications – meaning a smoother logistical ride for you.