Why Sterling Commercial Finance?
In today’s dynamic business environment, securing the right financial resources is essential for growth and long-term success. At Sterling Commercial Finance, we offer a comprehensive suite of finance products and services that cater to businesses of all sizes and across all industries. Whether you need to finance new equipment, release capital from existing assets, or structure funding for a business acquisition, we are committed to providing efficient, flexible, and tailored financial solutions.
With our deep expertise and customer-first approach, Sterling Commercial Finance is your trusted partner. We ensure your business has the financial tools it needs to thrive.
Sterling Commercial Finance is not just another financing provider—we are your business’s strategic partner. Our dedication to understanding your business and crafting customised finance solutions that align with your goals sets us apart. We don’t believe in one-size-fits-all packages. Instead, we take the time to get to know your business, its financial requirements, and its growth plans to deliver the most effective financial products for your specific needs.
Here’s an overview of our full services to help your business grow and succeed.
Asset Finance
Our asset finance solutions enable businesses to acquire the machinery, equipment, vehicles, and technology they need to operate and grow without the burden of a large upfront investment. We offer a variety of flexible options, including:
- Hire Purchase (HP): Hire purchase allows you to spread the cost of an asset over an agreed period, making regular payments until you eventually own the asset outright. This is ideal for long-term investments in equipment or vehicles that your business plans to use for many years.
- Finance Leasing: With finance leasing, you can use an asset without owning it. The lender retains ownership while you pay for the asset’s use over a set term. This is a great option for assets that need regular upgrades, such as vehicles or IT equipment, as it allows for flexibility at the end of the lease period.
- Operating Lease: An operating lease is typically used for assets that have a shorter lifespan or are subject to frequent upgrades. At the end of the lease, you return the asset without the obligation to purchase it, giving you greater flexibility and lower financial commitment.
- Sale and Leaseback: If your business owns valuable assets but needs to raise cash quickly, our sale and leaseback service allows you to sell those assets to Sterling Commercial Finance and lease them back. This arrangement enables you to continue using the asset while unlocking its value as immediate capital for other business needs.
Refinancing Solutions
In addition to traditional asset finance, we offer refinancing solutions that allow businesses to release equity tied up in existing assets. Refinancing gives businesses the liquidity they need for growth, restructuring, or cash flow management.
- Asset Refinancing: If your business owns assets free from existing finance, we can help you refinance them. This process allows you to leverage the value of your assets to access capital for investment or other business requirements.
- Working Capital Solutions: Refinancing through Sterling Commercial Finance gives you access to working capital without impacting day-to-day operations. Whether you need to manage seasonal fluctuations in cash flow, fund new projects, or cover unexpected costs, our refinancing solutions provide a flexible and efficient way to raise funds.
Business Acquisition Financing
Expanding through acquisitions can be a powerful growth strategy but often requires substantial funding. Sterling Commercial Finance offers tailored solutions for businesses looking to finance acquisitions, including:
- Management Buyouts (MBOs) and Buy-ins (MBIs): If you’re part of a management team looking to acquire business ownership, we can help you structure the finance needed for a seamless buyout or buy-in. By leveraging the business’s assets or securing external funding, we enable you to achieve your acquisition goals with minimal upfront capital.
- Leveraging Assets for Acquisition: When acquiring another business, you can often use the target company’s assets as collateral to secure financing. This reduces the need for external capital and eases the financial burden of acquisition.
Our acquisition financing services are designed to help you grow your business strategically, with the flexibility to tailor the finance structure to your needs.
Property Finance
Sterling Commercial Finance also offers specialised property finance solutions for businesses looking to purchase or refinance commercial properties. Whether you’re investing in a new headquarters, expanding your retail footprint, or developing industrial real estate, we provide:
- Commercial Mortgages: Our commercial mortgage solutions help businesses purchase or refinance new properties. We work with various lenders to secure your business’s most competitive rates and terms, allowing you to focus on expansion without overstretching your finances.
- Development Finance: If you’re planning a property development project, our development finance services provide the capital you need to bring your vision to life. From small-scale projects to large commercial developments, we offer financing solutions that align with your project timeline and financial goals.
- Bridging Loans: When you need short-term finance for property purchases or urgent capital needs, our bridging loans provide fast, flexible funding. These loans are ideal for businesses looking to secure properties quickly or cover financial gaps while waiting for longer-term financing solutions to materialise.
Invoice Finance
Cash flow is the lifeblood of any business, but waiting for customers to pay invoices can sometimes leave you with a cash shortfall. Sterling Commercial Finance offers invoice finance solutions that allow you to unlock the value of your unpaid invoices and maintain a healthy cash flow.
- Invoice Factoring: We purchase your outstanding invoices with invoice factoring, providing you with immediate cash. This allows you to meet operational expenses or invest in growth without waiting for your customers to settle their bills.
- Invoice Discounting: Similar to factoring, invoice discounting allows you to borrow against the value of your unpaid invoices while maintaining control over your credit management and collections process. This solution provides discreet cash flow support while allowing you to manage your customer relationships.
The Sterling Commercial Finance Difference
Our commitment to customer service and deep understanding of the financial landscape sets Sterling Commercial Finance apart. We take the time to understand your business and its unique requirements, offering customised finance packages that align with your objectives. With years of experience in the industry, our team provides expert advice, guiding you through every step of the financing process to ensure a seamless experience.
How can Sterling Commercial Finance Help?
At Sterling Commercial Finance, the right financial solution can unlock your business’s potential. Whether you’re looking to acquire new assets, restructure your cash flow, finance an acquisition, or invest in property, we have the expertise and flexibility to deliver the most effective solutions for your business.
Contact Sterling Commercial Finance today to discuss how we can help you achieve your business goals with a tailored finance solution. Let’s take your business to new heights—together!
For more information on commercial finance, contact the Sterling Team on 0115 9849800 or email info@sterlingcommercialfinance.co.uk
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This site covers Business Finance and Property Finance. Visit Sterling Capital Reserve for our Corporate Finance services