Tailored Funding Solution for Businesses
Borrow from £25,000 to £10 million
Select repayment period between 2 years to 25 years
Loan available from 65% to 100% depending on business sector
Fixed or variable rate available
Protection against interest rate rises for loans over £150,000
LIBOR linked rates available for loans over £100,000
Capital repayment holidays
Defer up to two commercial mortgage loan repayments in any year
Merchant Finance - Innovative Funding Solutions
Repayments are flexible and based on your card sales
You only repay when your business can afford it
Borrow up to £50,000
Decision in 48 hours with 90% approval rate
No security or business plans required

Trading Businesses

We cater all trading sectors like petrol forecourts, grocery and convenience stores, restaurants and cafes, car workshops and garages, pharmacies, child care business, care homes, dental practice, agriculture mortgage, etc.

Typically for commercial mortgages we will consider applications for up to 25 years with a maximum loan to value of 80%. In certain sectors these terms are different. We can also offer a tailored funding solution to satisfy all our clients’ funding needs. For instance we can arrange a fixed or variable rate loan, defer up to two commercial mortgage loan repayments in any year, take capital repayment holiday for all or part of first 24 months.

We can also offer innovative funding solutions like Merchant Cash Advance for retailers or mezzanine funding to bridge a gap in capital injection.

We may also be able to place your application even if you have CCJ or arrears. This will depend on fulfilling certain criteria.

You can contact one of our advisors to discuss your lending requirement.

Testimonials box

We have been running our business for 4 years. We were looking for flexible cash flow funding options. Berks Finance offered us 100% Finance based on our merchant sales. There was no interest rate linked with the loan and we only had to pay back when we could afford it. This was an amazing solution and exactly what we were looking for. We had never known any lender offering this type of business loan.

ML Supermarket – Birmingham

I am a self-employed doctor. I had only 10% deposit and had been practicing for only a year. I had no financial accounts or tax returns to prove my income to lenders. Mortgage team at Berks Finance found a lender who had special mortgage scheme for professionals with no tax returns. Mortgage was approved within 72 hours and I was delighted to purchase my first house that I so fell in love with.

Dr S R – Slough

We contacted Berks Finance to assist us with the purchase of a retail business that required funding for purchasing of goodwill of the business. This was unsecured funding and considered high risk by all major banks. Even our own bank had declined our proposal for funding assistance. Credit team at Berks Finance did the risk assessment on our business and structured the deal in a way that bank agreed to lend the full amount that we needed to secure the purchase.

St. Marys Enterprises – Stoke City

I was referred to Berks Finance by a mutual friend. My case was complicated as I needed to take my sister’s name out of mortgage and add my wife’s name. It was not easy as I could not qualify for a mortgage on my income alone and due to the nature of my wife’s work no lender was willing to consider her income as regular and stable. Berks Finance found a specialist lender who not only approved my wife’s income for the mortgage, they also agreed to waive the valuation fee. We found Berks Finance very professional with access to niche lenders for cases like ours.

Imran Khan – Slough

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