Finance-4-Business-Introducer-Brochure (1)

Your partner of choice Building relationships through transparency & trust

Their reputation as a leading broker is certainly justified. They were one of the first Premier Partners, when we launched as a Bank, highlighting how highly they are viewed. Jim Baker, Senior Business Development Manager, Masthaven Contents 3 Welcome to Finance 4 Business 4 Bridging Finance 6 Development Finance 8 Commercial Mortgages 10 Specialist Finance 11 Meet the Team2

Welcome to Finance 4 BusinessThe UK’s award winning commercial finance specialistWhy Finance 4 Business is your ideal partnerFinance 4 Business is dedicated to providing Helping you to help your clients inspecialist finance solutions to the intermediary all aspects of Specialist Finance:market throughout the whole of the UK. Givingintroducers access to an experienced team f Bridging Financedelivering a flexible and personal approach to f Development Financecustomer service. f Commercial Finance f Buy To Lets (including portfolio and Ltd Company)We do not operate a call centre – all calls are handled f Cash Flow Financeby a dedicated team of product specialists who will f Asset Financeguide you and the client through each step of the f Business Loansprocess. All transactions are processed by a dedicated f Car FinanceCase Manager, ensuring that you and your client have aclear point of contact throughout. With access to exclusive and semi-exclusive products across our entire range of services, our transparentWe place a huge emphasis on the quality of approach to business and flexibility to find the bestsubmissions. We do not rely on the lender to do our job client outcome is what makes Finance 4 Business yourfor us. Finance 4 Business will deliver a complete end to partner of choice.end service which enables introducers to refer clientsto us in confidence, knowing they will be dealt withprofessionally, compliantly and ensuring you are fullyupdated throughout the process. We take care of all thework enabling you to concentrate on your day to daycore business.We have a strict no cross sell policy ensuring that youcan introduce business in confidence. 3

Bridging Finance Short term lending, long term relationships Access to exclusive products Listed on lender’s premier panels Rates from 0.44% pcm Up to 80% LTV 100% funding (with additional security) 2nd charge from 0.89% pcm The Market expertise ensures the best outcomes for your clients. We are fortunate to be on the premier panel of many The bridging market has evolved over recent years with of the major lenders and have access to both exclusive the introduction of deposit funded Challenger Banks and semi-exclusive products. We are recognised for our revolutionising the industry. The definition of bridging ability to structure even the most complex of cases and finance has also changed significantly, it is now a always ensure your client has a valid exit route when mainstream product and is now more commonly known the time comes. as short-term finance. With a far quicker application process than a commercial, residential or a BTL What we can offer: mortgage, bridging loans are often the ideal short term lending solution. Rates have reduced, loan terms have f Industry leading commission increased and products are more flexible, especially f Options to simply refer or package when your client is taking advantage of an investment f Real-time updates opportunity or looking to complete a transaction in a f Direct access to your dedicated Case Manager chain break. Why are we different Our introducing partners and their clients always come first, our own history has proven that if we serve you and your clients well, our own success follows. Our assets are our people who are dedicated to providing industry leading service. We identify the most appropriate lender based on price and completion timescales. Utilising our unique relationships with our lenders along with our4

Case StudiesUnregulated PurposeBridging The client had purchased a commercial property with the aim of Loan Amount: £650k converting it into residential. With planning granted our client wanted LTV: 65% to refinance their existing arrangements and further enhance the value of the site through additional planning gain. Term: 10 months Challenge To redeem their existing arrangements before incurring costly redemption fees and raise additional funds for enhanced planning. Solution The new bridge was completed in 5 working days, facilitating the redemption of the existing arrangements whilst also raising the additional funds required to commence the new planning application.Regulated PurposeBridging Our clients are in semi-retirement and looking to downsize from their Loan Amount: £320k 4 bedroom house to a 2 bedroom bungalow. LTV: 48% Challenge Term: 12 months They had already identified their dream property in a desirable area close to where they live. As property moves very quickly in this area, the clients didn’t want to lose it whilst waiting for their sale to complete. Due to the clients age, income and timescales, a traditional mortgage was not a viable option. Solution Finance 4 Business arranged a regulated bridge over a 12 month term at 0.54% pcm for the full amount required. The clients were able to complete the purchase, carry out some refurbishment and move in within 6 weeks. Clients property was on the market and awaiting confirmation of sale. The proceeds of the sale would allow them to redeem the bridge and provide surplus monies to enhance their retirement. 5

Development Finance Strong relationships, built on solid foundations Up to 100% loan to cost available Rates from 4.5% pa Access to exclusive products Joint ventures New & experienced developer packages Finance 4 Business is a specialist in providing Ensuring your clients timescales are met and the Development Finance solutions for your transaction runs smoothly is an essential part of being clients. Our highly-experienced development a specialist broker in Development Finance. team are able to offer developers access to competitive, flexible funding with unrivalled What we can offer: support. f Access to exclusive products Whether your client has a new build project, a f Dedicated development Case Manager redevelopment, or major renovation works, we will f Real-time updates present a tailored solution that suits the individual f Market leading commission circumstances of the borrower and the project. f Co-ordinate re-inspections and release How we can help your of further agreed funds development clients: Many brokers do not appreciate Development Finance can be used for a variety the constraints lenders are under of purposes, including: from their funders when it comes to distributing its development f New build residential projects funds...Finance 4 Business do! f Mixed use buildings f Commercial developments Keith Aldridge, Managing Director, Amicus Finance PLC f Buildings requiring a change of usage under PDR f Refurbishment f Midway through a development and have a funding requirement6

Case StudiesTraditional PurposeDevelopment Client looking to redeem their existing finance which was used Loan Amount: £3.3m to purchase land and complete the construction of 3 high quality LTV: 58.8% executive homes. The properties were situated in a very desirable location in Warwickshire. Term: 6 months ChallengeExitDevelopment Due to delays in planning consent and foundations not being completed, the existing finance needed to be redeemed and a draw Loan Amount: £830k down facility implemented all within a tight timescale of 3 weeks. LTV: 67% Solution Term: 12 months Finance 4 Business raised an initial £1.4m enabling the client to redeem their existing finance and make up a shortfall due to complexities on the build. A further £1.9m draw down facility was also implemented within the 3 week timescale. The new arrangement included no exit fees allowing the client to retain all the profits. Purpose Client was looking to redeem their existing development finance and raise additional funds for phase 2 of the project. Finance 4 Business arranged the finance for phase 1, so we were fully aware of the project and the costings. Challenge Our clients required the additional funds, prior to the completion of the existing development. Phase 1 was nearly complete and all funds had been draw down. Planning permission has been granted for phase 2. Solution Finance 4 Business were able to provide an exit on the existing development enabling them to repay the existing £600k development finance. We also raised an additional £230k to convert a public house into residential apartments. The value of phase 1 was £1.35m, meaning there was sufficient equity in place to meet all of the clients’ requirements. 7

Commercial Mortgages We’ve got the market covered Rates from 2% above Bank of England’s base rate Interest only options available Up to 30 year term Up to 85% LTV on HMO and Buy To Let Investments Exclusive credit impaired products Whether your client is looking to evolve their f Leisure and hospitality including public houses, current business facilities or looking to buy restaurants, B&B’s, guest houses, hotels and student their own premises, our team of experts will accommodation ensure they find the right solution for your clients. We understand that commercial f Golf courses mortgages can often be complex and having f Gyms and fitness centres in depth knowledge of the high street banks, f BTL portfolios Challenger Banks and specialist lenders is imperative. Whether your client is moving for the first time, moving to a larger premises or simply looking to refinance for a With over 100 years experience in this sector, Finance better deal, our team is on hand to help. 4 Business is well placed to advise your clients. Our commercial team have a unique understanding of this What we can offer: market, ensuring your client is guided carefully through the process from application to completion. f Access to exclusive products f Dedicated Case Manager How we can help your clients: f Real-time updates f Market leading commissions We can provide 1st and 2nd charge term lending on a wide range of properties including: They seek out the best deal for the client on every occasion. f Retail It is the reason their clients and f Offices introducers go back time and f Industrial and warehouse units time again. f Dental, GP and veterinary practices f Nursing/care homes Andy Reaney, Business Development Manager, Barclays Bank PLC8

Case StudiesCommercial PurposeMortgage -Refinance Client owned a fitness centre and wanted a review of their existing arrangements to see if savings could be made, then enhance another Loan Amount: £231k part of the business. LTV: 66% Challenge Term: 15 Years This is a niche sector with a lot of competition and income is not guaranteed, therefore a potential increase in risk. Not all banks will lend to this type of business. Our specialist knowledge was required to find a lender that could improve the existing arrangements. Solution Finance 4 Business reviewed the accounts and the projected increase in turnover was discussed with the appropriate lender. With a high street bank taking a realistic approach we were able to reduce the clients interest rate from 13% to 3.75% saving them £23,000 pa.Commercial PurposeMortgage -Capital Raising The client wished to raise additional capital from his commercial premises to repay the existing mortgage, invest in his business and raise Loan Amount: £160k deposits for a couple of Buy To Let properties. LTV: 71% Challenge Term: 15 Years Our client was 69 and looking for a minimum 10 year term, a majority of lenders will only lend to a maximum age of 75. The lenders were concerned about serviceability and there was also a reduction in the value of the property. Solution Utilising our relationships and expertise, we secured the full £160k with a challenger bank over a 15 year term with the first 2 years on interest only. This gave the client the required flexibility and additional income to purchase his Buy To Let properties and invest in the business. 9

Specialist Finance Proud to be your partner of choice This market has grown rapidly in recent f Single Invoice Finance years, particularly with new lenders coming f Access to alternative lenders to market. In the wake of mainstream banks reluctance to find capital via invoice financing Asset Finance or overdraft facilities, these new lenders are providing an array of solutions for businesses. This is fast, tax efficient and allows your client to purchase business assets to help grow their company. With all the new offerings, lenders, product types It can be utilised for traditional manufacturing or plant now available, this has become very complex to any and machinery to boats and aeroplanes. Our advisers business, especially the SME’s. At Finance 4 Business, have access to an array of lenders throughout the UK, we looked at revolution rather than evolution of the with part funding to 100% finance available. market, to make this simple and easier for your clients. Business Funding Cash Flow/Invoice Finance We can provide both secured and unsecured funding for Invoice Finance releases cash currently tied up in your client’s business. We will assess the requirement outstanding customer invoices – ideal for funding and ensure we will achieve the best possible package expansion plans or improving a client’s cash flow. for your client. There are a number of financing options available, Car Finance our specialist team are on hand to guide your clients through the process ensuring the right product and We have a dedicated team to assist your clients with lender is chosen to meet their needs. their car finance. We offer competitive rates with same day decisions and flexible repayment options that allow f Invoice Finance your clients to spread their finance over 5 years. f Asset Based Lending f Supply Chain Finance We cater for all clients including high net worth individuals, those with a clean credit profile or indeed those with adverse credit.10

Meet the team A highly experienced team is here to support youBusiness Development James Danks Greg Hegarty Senior Adviser Senior Adviser 07824 428 524  [email protected]  [email protected] Dave Pinnington Amy Greenhalgh Ryan Kelly Head of Intermediary Relations Case Manager Case Manager  [email protected]  [email protected]  [email protected] & Development Team Mo Ibn-Abdul Adviser 01827 230 045 (option 2)  [email protected] Dave Fathers Director (Sales)  [email protected] Jess Geoghan Case Manager  [email protected] Mortgage Team 01827 230 045 (option 1) Paul Atkinson Director (Mortgages)  [email protected] Finance Car Finance Team Gary Barton Director 01827 230 045 (option 3)  01543 897650  [email protected] Keith Leighton John Wood 11 Senior BDM Director  [email protected]  [email protected]

As a lender, providing the best outcome for the borrower is only possible when working with a talented brokerage like Finance 4 Business. Karen Bennett, Managing Director, Commercial Mortgages, Shawbrook Bank01827 230 [email protected] | www.f4b.bizFinance 4 Business, The Granary, Granary Place, Kingsbury Staffs, B78 2DPF4B Commercial Ltd is authorised and regulated by the Financial Conduct Authority, registration number 772940.This information is for use by authorised intermediaries only and must not be used or distributed to potential borrowers.