Business Loans

FIducia Commercial Solutions can provide a wide range of business loans for clients.

Business loans are useful for a variety of reasons helping clients to finance their operations, expansion, or other financial needs.

They are designed to provide businesses with the necessary capital to support their growth and achieve their goals.

Fiducia Commercial Solutions can help clients with a range of options from an all of market list of lenders.

Business Loans

Fiducia Commercial Solutions provide a range of business loans including: 

• Secured Loans – The lender takes a guarantee to back the loan, which is normally a tangible asset that a company owns like property, machinery or vehicles.
• Unsecured Loans – With no tangible security backing the loan, these are riskier for lenders – and this is normally reflected in a shorter term and higher interest rate.
• Revolving Credit – Similar to an overdraft, you agree a facility limit and term and can ‘dip in and out’ depending on your needs. You only pay interest on the funds that you draw down.
• Merchant Cash Advance (MCA) – Using the regular income from Debit / Credit Card transactions to help fund business borrowing, helping to smooth income in seasonal markets. No fixed loan repayments, your repayments are tied to the volume of business you take through card transactions.
• Short Term VAT Loans – Lenders offer 12 week loans to help to settle some or all of your VAT bill – you can repay weekly or monthly.

Term Loans

One common type of business loan is a term loan.

This is a traditional loan with a fixed interest rate and repayment term, typically ranging from 1-to-10 years.

Term loans are suitable for businesses that need a lump sum of capital for a specific purpose, such as purchasing equipment, expanding their facilities, or funding a marketing campaign.

These loans are typically offered by banks and other financial institutions.

Fiducia Commercial Solutions can provide clients with a line of credit. This is a flexible financing option that allows businesses to borrow funds up to a predetermined credit limit.

Businesses can draw funds from the line of credit as needed and only pay interest on the amount borrowed.

Lines of credit are suitable for businesses that have fluctuating cash flow or need access to funds for short-term working capital needs. 

Specialised Business Loans

There are also specialised business loan options available for specific purposes.

For example, equipment financing loans are used to purchase or lease equipment. Invoice financing or factoring allows businesses to obtain immediate cash by selling their accounts receivable to a lender.

Merchant cash advances provide businesses with a lump sum of capital in exchange for a percentage of future credit card sales.

Fiducia Commercial Solutions experienced team will work with clients to evaluate their financing needs, repayment capacity, and the specific requirements of their operation and source the best business loan options for our clients.