by Alison Jobson | May 27, 2026
At ASC Finance for Business, we believe that securing business finance should be simple, straightforward and stress-free. That’s why we’ve spent over 50 years helping business owners, property investors, and entrepreneurs find the right funding, without the fuss.
Whether you’re looking to purchase premises, refinance existing debt, begin a property development or raise working capital, here’s how we help you get business finance.
Step 1: Initial contact – How can we help?
When you first get in touch, we begin with a simple, no-obligation chat to understand your needs. We’ll ask for a few brief details about your financing requirements to see if we can assist you and to assign you to a broker best suited to your needs. We’ll then arrange a follow-up appointment, which can be face-to-face at your local ASC office, online via Microsoft Teams, or over the phone.
Step 2: Assessment meeting – Understanding what you need
At this no-obligation initial meeting, we’ll explore your requirements in more detail. We’ll explain how the process works, outline the information you’ll need to provide, and give you a quote for our services.
Every business is different, so we take the time to understand yours. We want to know what you’re looking to finance, your goals, and any challenges you’ve faced.
We promise you won’t be read a script or given a sales pitch. You’ll have a knowledgeable local expert who’ll listen and offer guidance on what might be possible.
Step 3: Engagement – Getting started
Once you’re ready to proceed, we’ll share our terms of business. Then it’s full steam ahead. Using the insights we’ve gathered, we’ll identify the appropriate type of finance for your circumstances, check whether everything is in place to support your application, and help you prepare any additional documents or information.
Step 4: Finding finance – Approaching the right lenders
With access to a broad range of lenders, including high-street banks, challenger banks, and niche or specialist funders, we know who’s most likely to say “yes” to your application.
We’ll match your business with the lenders that suit it best, present your case and engage directly with them on your behalf. As soon as we’ve secured interest from a suitable lender, we’ll present you with your options.
Step 5: The application – Managing the process
We’ll handle the entire application process, liaising with lenders, and ensuring everything runs smoothly. If your application needs refining or resubmitting, we’ll work with you to get it right. We’ll also negotiate on your behalf to secure the best possible terms, whether that’s a lower interest rate, flexible repayment options, or reduced fees.
Step 6: Formal offer – Reviewing the deal
Once a lender makes a formal offer, we’ll review it with you in detail. We’ll explain the terms and conditions in plain English and help you assess whether it meets your needs before you accept it.
If anything needs clarification or adjustment, we’ll work with the lender to get it sorted.
Step 7: Completion – Securing the funds
As the lender and the legal team finalise the deal, we’ll stay involved to ensure everything stays on track. We’ll chase updates, resolve any issues, and keep you informed throughout.
Once everything’s signed off, the funds will be released and the deal completed.
Business finance – without the fuss
At ASC, we do the hard work so you don’t have to. You’ll get hands-on support, a dedicated local expert, and the best chance of securing the finance your business needs to grow.
Ready to get started? Contact your local ASC office today.
by Alison Jobson | May 20, 2026
If you’re planning to apply for finance this year, it’s helpful to understand how commercial lenders are currently operating.
While the fundamentals of lending haven’t changed, the way lenders assess risk, structure deals, and make decisions is constantly evolving. What worked a few years ago, or even last year, may no longer work in 2026.
As brokers, we’re presenting applications and liaising with commercial lenders daily. Here’s what we’re seeing lenders look for right now, along with our thoughts on how to position your application for success.
Clarity and confidence in the numbers
Commercial lenders are taking a closer look at financials than ever before. As well as profitability, they want to understand the story behind the numbers.
They want to see:
- Consistent or explainable income
- Strong cash flow (or a clear route to it)
- Realistic projections, not overly optimistic ones
Fluctuations or challenges aren’t necessarily a problem, but they need to be clearly explained. A well-presented set of financials, supported by context, goes a long way to building lender confidence.
A clear, credible exit strategy
A clear exit strategy is particularly important for property finance, especially bridging and development deals.
Lenders want to know:
- How will the loan be repaid?
- What’s the fallback plan if things take longer than expected?
A vague or overly ambitious exit strategy is one of the quickest ways to undermine an otherwise strong application. In 2026, lenders are looking for well-thought-out, realistic plans, not assumptions.
Experience matters, but it’s not everything
Track record is still important, but lenders are becoming more flexible in how they assess experience. We’ve secured funding for start-ups and clients entering new sectors by highlighting their broader, relevant experience and support network.
The right deal structure
One of the biggest shifts we’ve seen in recent years is the growing importance of structuring.
Commercial lenders are increasingly focused on whether:
- The type of finance matches the borrower’s strategy
- The loan term aligns with the intended outcome
- The overall deal makes sense from a risk perspective
For example, using short-term finance when a longer-term solution is needed (or vice versa) can raise concerns, even if the underlying deal is sound.
Getting the structure right is often the difference between approval and rejection.
Risk awareness and mitigation
Lenders aren’t expecting risk-free deals, but they do expect borrowers to recognise and manage risk effectively.
For example:
- Contingency budgets in development projects
- Sensible loan-to-value levels
- Backup plans if market conditions shift
- Evidence of demand (for example, tenant interest or resale potential)
Lenders are looking for borrowers who have thought things through and aren’t just presenting a best-case scenario.
Realistic expectations in a changing market
The lending landscape remains competitive, but interest rates, lender appetite, and sector preferences are constantly shifting. As a result, lenders are placing greater emphasis on:
- Sensible borrowing levels
- Deals that stack up under scrutiny
Overstretching, whether in leverage, pricing, or timelines, will not be well received.
Presentation is more important than ever
How a deal is presented remains as important as the deal itself. Two identical opportunities can receive very different outcomes depending on how they’re structured and communicated to a lender.
A strong application should:
- Clearly explain the opportunity
- Anticipate and address potential concerns
- Highlight strengths and mitigate perceived risks
Many applications fall short in this area, so the right guidance can make a significant difference.
The broker advantage
In 2026, navigating the finance market isn’t just about finding a lender, but about finding the right lender and presenting the deal in the right way.
A commercial finance broker brings:
- Insight into current lender appetite
- Experience in structuring deals effectively
- Access to a wide panel of lenders, including specialist providers
- The ability to position applications for the best possible outcome
At ASC, we work closely with clients to understand their goals, shape their applications, and connect them with lenders who are actively seeking to support deals like theirs.
When you know what lenders are really looking for and how to present it, you give yourself the best possible chance of success.
If you need finance in 2026, please get in touch.
by Alison Jobson | May 6, 2026
If you’ve ever had a finance application declined, you’re not alone. Research from the National Association of Finance Brokers (NACFB) found that more than a quarter of businesses had already been turned down by a lender before approaching a broker.
A no doesn’t always mean the deal isn’t viable or that you won’t secure finance. Often, a rejection is due to how the application has been presented, structured, or interpreted.
In this article, we explain the common reasons for finance applications being declined and how a broker, such as ASC, can change the outcome.
5 most common reasons finance applications are declined
1. The deal doesn’t fit the lender’s criteria
Every lender has a particular focus. Some favour low-risk, straightforward deals, while others specialise in specific types of finance or scenarios, such as development finance, bridging finance, or start-up businesses.
If an application is the wrong fit, it can be declined quickly, even if another lender would have accepted it.
2. Poor presentation of the application
Lenders assess risk as well as the figures. If an application lacks clarity, supporting documentation, or a strong narrative, it can raise red flags.
For example:
- Missing financials or unclear cash flow
- Limited explanation of the borrower’s experience
Even a strong deal can get rejected if it isn’t presented properly.
3. Perceived risk is too high
Sometimes, even if a deal looks sound, it may still appear too risky from a lender’s perspective. This may be due to:
- Property type or location
- Complex ownership structures
Lenders are inherently cautious, so anything that raises concerns may result in a decline.
4. Previous credit issues
Personal or business credit history issues can make a deal high-risk for a lender. However, not all lenders assess credit history the same way. What deters one lender may not be a concern for another.
5. The deal hasn’t been structured correctly
Frequently, it’s not the deal itself that’s the issue, but it’s how it’s been presented to the lender.
For example:
- The wrong type of finance has been applied for
- The loan term doesn’t align with the borrower’s strategy
- The repayment plan doesn’t stack up
If it doesn’t make sense or looks too risky, the lender will reject it.
How a broker turns things around
Working with an experienced commercial finance broker can make a real difference when making a finance application. Here’s how.
1. Matching the deal to the right lender
A broker understands which lenders are most likely to support a specific deal. They know who is flexible, who specialises in certain sectors, and who is actively lending in the current market.
Rather than adopting a one-size-fits-all approach, they target the right lender for the deal. This alone can transform the outcome.
2. Reframing and strengthening the application
A broker doesn’t just pass on information; they shape it into a compelling application.
This might include:
- Presenting financials in a clearer, more persuasive way
- Highlighting strengths the lender may miss
- Addressing potential concerns before they become objections
A broker’s role is to present the full story behind the numbers so the lender can make a confident and informed decision.
3. Structuring the deal differently
With expert knowledge of the industry, a broker has the insight to determine whether a different approach would be more effective.
For example:
- Using bridging finance as a short-term solution before refinancing
- Adjusting the loan amount or term
- Bringing in additional security or a guarantor
These strategic tweaks can turn a decline into an approval.
4. Access to a wider panel of lenders
High-street banks are only one segment of the lending market. Brokers have access to a wide range of specialist lenders, many of whom are more flexible, open to complex deals, and available only via a broker.
Using a broker opens up more options, improving your chance of success.
5. Managing the process from start to finish
Finally, a good broker handles the entire process for you, managing communication with lenders and resolving any issues that arise to keep the deal on track.
A decline isn’t the end of the road
Being turned down for finance can feel hopeless. However, with the right guidance, many declined applications can be reworked, repositioned, and successfully funded.
At ASC, we specialise in looking beyond the initial “no” to find a way forward. We know that in many cases, it’s not that the deal doesn’t work; it just hasn’t been approached in the right way yet.
If your finance application has been rejected, or you’ve got plans that need financing, please get in touch and let’s secure a successful outcome.
by Alison Jobson | Apr 22, 2026
Investing in buy-to-let property can be a smart way to generate income, build wealth, and establish long-term financial security. But before you start purchasing property, you’ll need to figure out how to finance your investment. Whether you’re an experienced landlord or buying your first rental property, understanding your funding options is crucial.
Here’s an overview of how buy-to-let finance works, what lenders look for, and how to structure your application to get approved.
What is buy-to-let finance?
Buy-to-let finance is designed specifically for people who wish to purchase a property to rent out, rather than live in themselves. Unlike a standard residential mortgage, the lender will assess not only your financial position, but also the rental income potential of the property.
Buy-to-let finance can be used to:
- Purchase a new rental property
- Refinance an existing buy-to-let property to release equity
- Expand a property portfolio
- Convert a property into multiple units, such as an HMO (House in Multiple Occupation)
Should I buy personally or through a limited company?
One of the key decisions to make when buying a buy-to-let property is whether to purchase as an individual or through a limited company (using a special purpose vehicle – SPV). Each option has its advantages and disadvantages.
Buying personally:
- Simpler process and potentially lower mortgage rates
- You’re personally liable for the mortgage debt
Buying through a limited company:
- The company owns the property, not you personally
- Mortgage interest can still be treated as a business expense
- Corporation tax applies to profits, which may be lower than the higher-rate personal tax
- Mortgage options may be more limited and slightly costlier
Unfortunately, there’s no one-size-fits-all answer. The best structure depends on your income, tax position, and long-term investment goals. It’s always advisable to seek professional tax advice before you buy.
How can I raise finance for a buy-to-let?
There are several ways to fund your investment, depending on your circumstances and the property you plan to buy:
1. Buy-to-let mortgage
Using a buy-to-let mortgage, offered by high-street banks, building societies, and specialist lenders, is the most common route. These are usually interest-only, meaning you pay only the interest each month, which keeps payments lower while you benefit from any capital growth.
2. Commercial mortgage
If the property is mixed-use, owned by a company, or has multiple tenants (such as an HMO or serviced accommodation), a commercial mortgage might be a better choice. These are evaluated based on the overall business case, not just personal income.
3. Bridging finance
If you need to act quickly, such as buying at auction, or if a property isn’t yet suitable for a mortgage, bridging finance is an ideal solution. Bridging loans are short-term facilities that can later be refinanced into a standard buy-to-let mortgage once the property is ready to let.
4. Releasing equity from existing property
Refinancing existing property to release equity can be a way to finance your next buy-to-let investment. Many landlords use this strategy to grow their portfolio without needing to raise new deposits from savings.
What do lenders look for?
Lenders want to be certain that the property’s rental income will cover the mortgage payments and other expenses. To determine this, they typically perform an “interest coverage ratio” (ICR) calculation, which compares the rental income to the anticipated mortgage payments. This percentage can range from 125% to 145%, but it can sometimes be higher.
Limited company buy-to-let purchases have lower ICR requirements.
As well as the ICR, they’ll look at:
- Your experience as a landlord (although first-time landlords can still apply)
- Your personal income and financial stability
- The type and location of the property
- The loan-to-value (LTV) ratio
If the figures stack up and your application is well-presented, your chances of approval improve considerably.
How much deposit do I need?
Most buy-to-let lenders require a larger deposit than those for residential mortgages. Typically, you’ll need at least 25% of the property’s value, although some lenders may accept less or more depending on the deal.
A larger deposit usually gives you access to better interest rates and lower monthly repayments, as it reduces the lender’s risk.
Summary
Financing a buy-to-let property requires careful planning and consideration. From choosing the right mortgage type to understanding deposit requirements and lender criteria, there’s a lot to consider. Researching your options, realistically assessing rental income, and planning for both short- and long-term costs will help you make well-informed decisions that lead to a successful property investment.
by Alison Jobson | Apr 8, 2026
A bridging loan is a short-term finance option, often used when quick action is essential. Whether you’re purchasing a property at auction, avoiding a broken property chain, or seizing a time-sensitive investment opportunity, bridging finance enables you to act swiftly and secure the necessary funds.
How quickly can I get a bridging loan?
The primary advantage of a bridging loan is its speed. Unlike traditional mortgages or business loans, which can take weeks or even months to arrange, a bridging loan can be approved and funded much faster.
The exact timescale varies depending on the complexity of the application, the lender’s requirements, and how quickly you provide the necessary information and documentation.
Typically, bridging loans are approved and funded within 5–14 days. In urgent situations, some lenders can release funds within 72 hours, provided all documentation is in place, the property valuation is complete, and security is confirmed.
This rapid access to funds makes bridging loans ideal for situations where missing a deadline could mean losing a property or investment opportunity.
Typical terms of a bridging loan
While terms vary between lenders, here are the main elements you can expect:
- Loan amount: Bridging loans can range from £25,000 to several million pounds, depending on the value of your security.
- Loan term: Usually 1–12 months, although some lenders may offer terms up to 18–24 months.
- Interest rates: Typically higher than standard mortgages or long-term loans, reflecting the short-term, high-speed nature of the finance.
- Repayment options: Interest may be charged monthly and paid monthly, or it can be rolled up and settled at the end of the loan term.
- Security: Most bridging loans require security, usually in the form of property or land (residential, commercial, or mixed-use).
- Exit strategy: Lenders will require a clear plan for repaying the loan, such as selling the property, refinancing into a longer-term mortgage, or generating income from a development project.
When bridging finance makes sense
Bridging loans are especially useful when timing is crucial. Common scenarios include:
- Auction purchases: Completing a purchase before the 28-day deadline.
- Property chains: Completing a purchase quickly to prevent a chain from collapsing.
- Refurbishments or developments: Funding a renovation while arranging long-term finance.
- Time-sensitive investments: Acting fast to secure a business or property opportunity.
Because of their flexibility and speed, bridging loans are a practical tool for both experienced investors and businesses looking to take advantage of short-term opportunities.
How ASC can help
At ASC, we specialise in helping businesses and property investors access bridging finance quickly and efficiently. Our team understands the lender requirements, knows how to prepare applications to avoid delays, and can guide you in selecting the best loan structure for your project.
Working with ASC ensures you get the funds you need on time, with confidence and clarity throughout the process. Whether you’re securing a property, funding a development, or financing an urgent project, we can help you navigate the bridging loan process and achieve your objectives.
