What we Offer
From Commercial Mortgages, Property Development Finance, Business Loans,Short Term ‘Bridging’ Finance, Factoring, Equipment Leasing and advice on Grant Funding and how to secure funds via the Government Enterprise Finance Guarantee Scheme (EFGS).
Peacock Finance is a Independent Specialist Consultancy , we provide Commercial and Business Finance support to SME clients throughout the whole of the UK. We are Authorised and Regulated by the Financial Conduct Authority and registered with the Information Office for Data Protection.
Frequently Asked Questions
What is the maximum Loan To Value (LTV) achievable on a Commercial Mortgage?
There are no hard and fast rules and each case will be assessed on merit. In general terms we advise our clients to be prepared to deposit circa 25% to 30% of the property or business value. ie a LTV in the range 70-75%. Mortgages for pubs will generally be limited to 60% to 65% LTV due to the higher risks associated with this sector of the market. Sitting tenants can often secure a higher advance.
What level of support will I get for a Property Development Loan?
With a Property Development loan much depends on the type of project being undertaken, the overall borrowing requirement and the anticipated profit margin that project will generate. In addition the proven experience of the developer, their financial standing and / or the proposed contractor will also count heavily towards the underwriting decision.
Can I borrow against the ‘goodwill’ of a business and equipment, fixtures and fittings?
In general terms yes. If you are buying a business trading from freehold premises we will obtain a professional report to verify the overall value of the business goodwill etc which is sometimes referred to as ‘market value’ or MV1. Subject to satisfactory confirmation it is usually possible to secure an advance against the overall business valuation. Where the purchase of a trading business also includes machinery, vehicles equipment, stock etc. it is generally more appropriate to structure a separate loan to acquire these assets on a short- term lease or stock finance arrangement
We have over 20 years experience providing expert financial advice.
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Our financial specialists ensure you get the optimum results.
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For Businesses: Do you have questions about how Peacock Finance can help your company? Send us an email and we’ll get in touch shortly, or call 08455 197 104 between 07:30 and 19:00 Monday to Friday — we would be delighted to speak.