A traditional Loan Facility with no rates starting as low as 1.3% APR.
Release funds tied up in your invoices within 24 hours.
A Business Loan with security offered, typically a property or asset, with equity attached.
Gain funding, or refinance, assets in your business, such as equipment, plant or vehicles.
Agricultural Finance has many uses for those in the sector. The importance of agricultural finance is the allowing of you to run your business your way, whether it's buying land, purchasing assets, or simply increasing cashflow. We deal with expert lenders in this sector, and with our client handholding process, we can assure you of the best quality financial guidance in the industry.
Asset Finance is the most common product for Agricultural businesses. Large assets, such as vehicles, and plant for farming, can be very expensive, and having these financed can allow you to spread the cost over a period of up to 5 years, rather than paying a hefty sum on day one.
Unless you are a new start-up company, the minimum turnover most lenders will deal with is £250,000.
Similarly to Turnover, start-up companies can get funding, however a minimum of 6-12 months trading will give you access to a much more broad range of lenders on our panel.
Due to us dealing with UK Based Lenders, we can only find funding solutions for UK Limited Companies.
Asset Finance facilities are based heavily on your business, and the asset in question. The cost of your asset/assets will determine the size of the facility and this can vary from smaller assets, such as office equipment, to large assets worth millions.
An Asset Finance Facility has similar eligibility guidelines to other products, although the process is slightly different. This type of facility is based solely around purchasing an asset, which means more information will be gathered surrounding the product. The amount accessed via an Asset Finance facility is completely dependent on your business, and your affordability. This can be assessed once information is exchanged with our consultants.
The cost of the facility will depend on a few factors. These are essentially decided by what you want from the facility, and how large your business is. Different lenders have different costs & fees that go with the arranging and running of your facility, but the main charges that go with running an Invoice Finance facility are the service fee, which is a percentage of the invoice value, and the discount fee, which is calculated from the amount of money advanced to you.
Eligibility varies largely from lender to lender, with some being more flexible, some more rigid with their criteria. The basic criteria for applying for an Invoice Finance facility is as follows:
£250k minimum turnover
UK Registered Business
If you don’t meet this criteria it isn’t the end of the road, other funding options are available, and this can be discussed with one of our consultants.
Invoice Finance facilities can be completed in as short as a few days, although the process can take longer. Our aim is always to make the process as quick, and simple as possible.
Eligibility varies depending on the lender we approach, with some being more flexible, some more rigid with their criteria. A Business Loan has very similar basic criteria to other products:
£100k minimum turnover
UK Registered Limited Company
If you don’t meet this criteria it isn’t the end of the road, other funding options are available, and this can be discussed with one of our consultants.
Business Loans can vary hugely in amount. With an Unsecured Business Loan, anything between £10,000 and £350,000 can be funded. With a Secured Business Loan, the range can be anything between £25,000 and £2,000,000.
We are not your average broker. We strive to find you the perfect funding facility for your business, in the easiest way possible. We designate a member of our team of specialist finance consultants to you, walking you through the entire process until the funds are in your hands.
“ Perry & JD Capital Finance have been incredibly helpful from start to finish. They helped secure a CBILs package even when many lenders had stopped considering new applications. They've informed us of new developments every step of the way and have helped us through this uncertain time. Nice one, guys! ”
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Disclaimer: JD Capital Finance helps UK firms access business finance, working directly with businesses and their trusted advisors. We are a credit broker and do not provide loans ourselves. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. JD Capital Finance can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. JD Capital Finance may receive a commission or finder’s fee for effecting such introductions.
