Business financing
Growth Capital
Plan a new location, additional capacity or an acquisition with a phased budget. Set out the evidence behind demand and the cash needed before new activity generates income.
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Your commercial requirements
Read the property through its cash flow
A strong address alone does not explain repayment capacity. Assess net income, lease terms, capital expenditure and the resilience of the asset under less favourable conditions.
| Consideration | Build the picture | What to review |
|---|---|---|
| Income | Rental receipts or business contribution. | Review net income after property expenses. |
| Occupancy | Lease length, vacancies and tenant profile. | Consider concentration and reletting assumptions. |
| Investment | Maintenance, upgrades and acquisition costs. | Include required capital expenditure. |
| Exit | Repayment, sale or refinancing intention. | Test the conditions on which the plan depends. |
A question to bring to the conversation
What should I prepare for an initial property discussion?
Describe the asset, intended use, ownership structure and financing purpose. Valuation and lease information may be needed as the assessment progresses.
Availability, eligibility, security, charges and repayment terms depend on individual assessment and formal agreement. This page is an introduction to the facility, not an offer or approval.
Consider the alternatives
Explore a related financing need.
The right structure depends on the purpose and repayment source. Review a related option before deciding what to discuss.
Personal attention. Professional assessment.
Discuss Business Property Finance.
Explain your requirement. We’ll begin with the purpose and the information needed to assess it.