ns that suit your business needs.

I introduced my neighbor to three commercial advisors. One charged a one off fee of ?150 to take him on. The other two offered their services without charge. He eventually decided to pay his ?150 and is now in the final stages of completing the purchase of a ?1,000.000 property in which he will base his business. Having spent a huge ?300,000 on leases over 12 years with nothing to show for his mon

Believe it or not there are many business owners who have not heard of independent financial advisors. My neighbor, a successful businessman and multiple residential property owner, recently told me how he could not purchase a one million pound commercial property in East London because his bank would not agree to the loan. `I will have to save for a few my years before I can buy the space.’ he sighed. `Even then my bank expects me to repay the loan in 15 years.’ He had set his heart on owing the premises he worked from and after visiting his high street could see no way of preceding beyond continuing to lease.

If he had spoken to an independent financial advisor he would have realized that banks generally offer only a limited range of unsecured commercial loans and business mortgages. He certainly would have been surprised that there are over three hundred commercial mortgage lenders offering a range of great deals. Several lenders are currently offering commercial mortgages with only 15% deposit from ?50,000 to ?3,000,000 payable over 25 years at very competitive interest rates.

Among other services, commercial financial advisors will also be able to locate the best place for business banking (e.g. lower rates or no charge at all for writing cheques, debt factoring and leasing). They can also help with competitive insurance deals and generally offer alternatives for all of your commercial finance issues. Why? Because they have a choice about what financial products they can choose from. Where your bank typically has only a handful of commercial and residential loan alternatives, the Commercial financial advisor has thousands to choose from. Meaning that whatever your needs you are bound to find several options that suit your business needs.

I introduced my neighbor to three commercial advisors. One charged a one off fee of ?150 to take him on. The other two offered their services without charge. He eventually decided to pay his ?150 and is now in the final stages of completing the purchase of a ?1,000.000 property in which he will base his business. Having spent a huge ?300,000 on leases over 12 years with nothing to show for his mone

s me to repay the loan in 15 years.’ He had set his heart on owing the premises he worked from and after visiting his high street could see no way of preceding beyond continuing to lease.

If he had spoken to an independent financial advisor he would have realized that banks generally offer only a limited range of unsecured commercial loans and business mortgages. He certainly would have been surprised that there are over three hundred commercial mortgage lenders offering a range of great deals. Several lenders are currently offering commercial mortgages with only 15% deposit from ?50,000 to ?3,000,000 payable over 25 years at very competitive interest rates.

Among other services, commercial financial advisors will also be able to locate the best place for business banking (e.g. lower rates or no charge at all for writing cheques, debt factoring and leasing). They can also help with competitive insurance deals and generally offer alternatives for all of your commercial finance issues. Why? Because they have a choice about what financial products they can choose from. Where your bank typically has only a handful of commercial and residential loan alternatives, the Commercial financial advisor has thousands to choose from. Meaning that whatever your needs you are bound to find several options that suit your business needs.

I introduced my neighbor to three commercial advisors. One charged a one off fee of ?150 to take him on. The other two offered their services without charge. He eventually decided to pay his ?150 and is now in the final stages of completing the purchase of a ?1,000.000 property in which he will base his business. Having spent a huge ?300,000 on leases over 12 years with nothing to show for his mon

dred commercial mortgage lenders offering a range of great deals. Several lenders are currently offering commercial mortgages with only 15% deposit from ?50,000 to ?3,000,000 payable over 25 years at very competitive interest rates.

Among other services, commercial financial advisors will also be able to locate the best place for business banking (e.g. lower rates or no charge at all for writing cheques, debt factoring and leasing). They can also help with competitive insurance deals and generally offer alternatives for all of your commercial finance issues. Why? Because they have a choice about what financial products they can choose from. Where your bank typically has only a handful of commercial and residential loan alternatives, the Commercial financial advisor has thousands to choose from. Meaning that whatever your needs you are bound to find several options that suit your business needs.

I introduced my neighbor to three commercial advisors. One charged a one off fee of ?150 to take him on. The other two offered their services without charge. He eventually decided to pay his ?150 and is now in the final stages of completing the purchase of a ?1,000.000 property in which he will base his business. Having spent a huge ?300,000 on leases over 12 years with nothing to show for his mon

). They can also help with competitive insurance deals and generally offer alternatives for all of your commercial finance issues. Why? Because they have a choice about what financial products they can choose from. Where your bank typically has only a handful of commercial and residential loan alternatives, the Commercial financial advisor has thousands to choose from. Meaning that whatever your needs you are bound to find several options that suit your business needs.

I introduced my neighbor to three commercial advisors. One charged a one off fee of ?150 to take him on. The other two offered their services without charge. He eventually decided to pay his ?150 and is now in the final stages of completing the purchase of a ?1,000.000 property in which he will base his business. Having spent a huge ?300,000 on leases over 12 years with nothing to show for his mon

ns that suit your business needs.

I introduced my neighbor to three commercial advisors. One charged a one off fee of ?150 to take him on. The other two offered their services without charge. He eventually decided to pay his ?150 and is now in the final stages of completing the purchase of a ?1,000.000 property in which he will base his business. Having spent a huge ?300,000 on leases over 12 years with nothing to show for his money it at the end, the idea of finally owing an appreciating asset is a dream about to come true.

As the financial sector further evolves high street banks are finding themselves increasingly under pressure from smaller, more dynamic lenders. Increasing changes in the finance market mean many things, but most importantly established and new business owners have to pay very close attention to banking and finance as there is now greater choice and consequently greater savings than ever before. To help you through the changing financial market you need someone on your side: an officially regulated independent financial advisor.

If you have not done so already get in contact with an independent financial advisor specializing in commercial finance and get him or her to review all of your finances (personal and business). At the very least you should be able to reduce your commercial banking charges by hundreds of pounds if not thousands. In addition you just might even be able to move your business into the building of your dreams.

How to Choose a Financial Advisor

• · The Consumer Credit Act 1974 requires most businesses that offer credit or lend money to consumers to be licensed by the Office of Fair Trading. Ask to see a license.

• · Make sure the individual or company you choose is registered with the Financial Services Authority (FSA). The FSA maintains a central register of all IFA's in the UK which you can check.

• · Ask your business associates if they can recommend any one. Asks for quotes and presentations. It is important that you can get on with your advisor as you will probably be with him or her for a while.