I have had serious business advice expertly delivered to me by the MD of this company Keith Humphreys who I judge to be an experienced financial professional who is highly competent and effective.
David Hannaway
Kelvin Smith
I have had serious business advice expertly delivered to me by the MD of this company Keith Humphreys who I judge to be an experienced financial professional who is highly competent and effective.
Kelvin has now completed two BTL mortgages, the service you receive is first class, highly recommend.
Although they couldn’t assist with what I needed at the present time they were very helpful, thanks Kelvin.
Kelvin was very encouraging when we came to him about business finance. We didn’t have the capital we needed at the time, but he was all about finding solutions, not creating more obstacles. With his help we’ve secured the extra financing and our business has grown as a result.
Kelvin’s advice and support was invaluable during a really difficult time for my business. I’d highly recommend.
The best businesses are built on great ideas. But making those ideas a reality usually requires money.
We’re expert brokers for business finance in York and nationwide. A team of ex-bankers drawing upon years of banking experience on your side. We will find the business finance you need when you need it. We’ve helped our customers, who are based throughout Yorkshire and nationwide in many sectors and markets, helping them service their customer’s needs by helping them fund their businesses or plug the gap in their cash flow.
That funding could be in the form of a commercial mortgage for a range of property-related projects. This money could then be used to finance the purchase of a new asset, a property as an owner-occupier or for investment, or to raise money to improve existing premises, consolidate debt, develop property, or help with a new project.
We can also help you to arrange an unsecured business loan, if you don’t have any form of security, and you need cash quickly. We can also provide a Merchant Cash Advance or Business Cash Advance for a cash injection from £2,500 up to £500,000, all with flexible repayments. Or, if you’re a property developer looking to fund refurbishments, conversions or a new build, we can also help you with specialised property development finance.
We specialise in helping individuals and business owners make their business dreams come true. We’re often approached by business owners who have big ambitions and a great idea but lack the working capital to make it happen. Whatever you need the finance for, we can help—whether it’s to set up a new business, expand your existing business, buy a new asset, or refinance business debts.
We can also add value by helping you to plan ahead and find the best structure for your borrowing. We’ll help you with business plans, financial analysis and financial forecasts to help you to grow even further.
This expertise will save you significant amounts of time and money. Our business finance team will quickly understand your situation and then we’ll shape our pitch to make sure that we put the right application in to the right lender.
In our experience, getting that ‘yes’ from the underwriter can often be more important than the price itself – saving your time and getting exactly the right product for your business are paramount. We understand what underwriters and lenders want from the businesses they lend to, so we put in the hard work with them to find the right deal for you.
We pride ourselves on taking a personal approach that has been lost across most of the finance industry. With our banking background, we are experts at tailoring support to meet the needs of business owners.
So, if you run a young business that is rapidly expanding, you might need a cash injection to grow even further. Maybe you need £40,000 to buy equipment for your business or to build an extension on your business premises. We can typically complete this within a week.
Or, perhaps you’re successfully running your business, but a big VAT bill has caught you out. You need a Tax Loan to pay it off this time – but we’d also be happy to have a further conversation with you to clarify your long-term strategy, if it keeps happening every year.
Or, you might need some short-term unsecured finance for a highly profitable investment you don’t want to miss out on. As long as it is ethical and makes good sense, we’ll be happy to help. As an example, you might need it to cover staff costs. Maybe you run a garage and want that £40,000 to take on and train new staff to work on hybrid and electric vehicles. The initial interest rate might seem expensive in the short-term, but this new business venture could be hugely profitable in the long run.
Pinpoint Finance is FCA-regulated and authorised. We are also proud members of the NACFB, ensuring we adhere to the highest standards in the finance industry.
We are always ready to talk if you have a long-term plan and a clear idea of what you need your business finance for. Unlike some of our competitors however, we’ll only provide finance when we believe it’s the right thing to do. Ethics are important to us – we won’t inject cash into a failing business if it’s just delaying the inevitable and we don’t take on debt structure or recovery deals. We believe that long term, sustainable relationships with sound businesses are far more important than short-term profits.
Visit out commercial mortgages page here
Finding the right business finance broker for you and your business is often more important than finding the best interest rate on the market. Having access to the right business loan or finance package, which is flexible, accessible, and tailored to your actual business needs, can often outweigh the benefit of just a market-grabbing interest rate.
Our expert knowledge of the market, the solutions on offer, and how each lender really works means that when you get it right, it can make a significant difference to your business. Couple that with the great customer service you would expect from Pinpoint Finance, our UK banking sector experience, and access to over 100 lenders, makes us an asset to have on your side.
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