About you
- Applicants must be aged 21 or above
- You should reside in the UK or at least have a strong connection to the UK
- We lend to individuals who are carrying out a business or for investment purposes and also to a business including special purpose vehicles
- We can also lend to more than one borrower (for example, two people who are business partners)
- We do not lend where applicants have been part of a bankruptcy or insolvency process
About your property
- As standard, we require satisfactory security over assets
- Your security (typically property) should usually be in England, Wales or Scotland
- In some instances, we can lend against properties where we receive a second charge
About your loan
- We usually lend from £50,000 to £2 million
- We offer loan terms from one month to 24 months
- For repaying your capital and interest, we accept monthly, quarterly or annual payments, or full payment at the end of your term, to be determined at the start of your loan
- Our standard interest rate is 1.5% per month, although your rate will be personalised and determined as part of your application and may be adjusted upwards or downwards
- We offer loans based on a clear and credible exit or repayment plan, describing how you intend to repay your loan
- Our borrowers usually pay the following fees:
- Arrangement fee (0.5%)
- Legal fees for drawing up loan and security agreements
- Valuation fees if necessary
- Loan interest
- Exit fee (0.5%)
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