Personal & Business
Finance Specialists

Property Finance

At GB Financial Group we can offer a comprehensive range of property finance.

Bridging Loans

A bridging loan is a short-term type of loan used to ‘bridge a gap’. These loans are often used to secure finance quickly. The main reasons people choose a bridge loan are: buying a property from an auction, refinancing or purchasing of a property in need of refurbishment, wanting to buy a property quickly which is being sold below the market price, releasing funds quickly to pay unexpected bills or needs (Tax, VAT or cash flow issues). Of course, there are many other reasons that a person may need to raise finance quickly and due to the simple and quick nature of certain lenders’ application processes, and rates being low starting from 0.44/month, a bridging loan can be an appealing option for the borrower.

Our bridging loan lenders are ready to lend at competitive rates.

Development Finance

What is development finance? It’s a loan granted for the development or refurbishment of residential, commercial or mixed-use properties. Development finance is often granted to experienced builders and developers so that they can raise the capital to turn their building idea into a commercial reality. We also have access to a number of lenders who would consider inexperienced and first-time property developers.

Our development loan lenders are ready to lend at competitive rates.

Commercial Mortgages

A commercial mortgage is a mortgage loan secured by commercial property, such as an office building, shopping centre, industrial warehouse, or apartment complex. The proceeds from a commercial mortgage are typically used to acquire, refinance, or redevelop commercial property.

Our commercial mortgage lenders are ready to lend at competitive rates.

Buy-to-Let Investment Mortgages

A buy-to-let mortgage is a mortgage sold specifically to people who buy property as an investment, rather than as a place to live. If you plan to rent out a new property, most lenders will prefer you not to finance your purchase with a standard residential mortgage These mortgages are available to private and business customers alike.

Our buy-to-let mortgage lenders are ready to lend at competitive rates.

Second Charge Mortgage / Loan

A second charge mortgage – also known as a second mortgage – lets you borrow more money by using your home as security. A second mortgage can be a good way of borrowing money for home improvements but, in many cases, it may be more prudent to use a conventional remortgage.

Our second charge lenders are ready to lend at competitive rates.

Personal Loans

At GB Financial Group we can offer a comprehensive range of personal loans.

Unsecured Personal Loans

A personal loan is an instalment loan that provides funds borrowers can use for any purpose, unlike an auto loan or a mortgage, which are reserved solely for the purchase of certain property that is then used as collateral for the loan. Personal loans usually are not backed by collateral, so they are often for lower amounts and have higher APRs than other types of instalment loans. There’s just more risk for the lender. Personal loans also have relatively short repayment terms, with most requiring full payment in 12 to 60 equal monthly instalments.

Our unsecured personal loan lenders are ready to lend at competitive rates.

Secured Personal Loans

These loans require that you put down something of value as collateral (such as a car title, property or stocks). The lender can keep the collateral if you default. Because there’s less risk for the lender, secured loans are open to people with below average credit scores.
The second charge mortgages on your property is another name for secured loan.

Our secured loan lenders are ready to lend at competitive rates.

Business Loans / Finance

At GB Financial Group we can offer a comprehensive range of business loans / finance products.

Business Cash Flow Finance

Cash flow financing is a form of financing in which a loan made to a company is backed by a company’s expected cash flows. This differs from an asset-backed loan, where the collateral for the loan is based on the company’s assets. Cash flow loans can be either short-term or long-term.

We have a number of lenders who are offering great business cash flow finance deals.

Business Cash Advance / Merchant Cash Advance

A merchant cash advance (MCA) or business cash advance (BCA) provides a lump sum payment to a business in exchange for an agreed-upon percentage of future credit card and/or debit card sales. We have a number of providers for this cash advance product.

We also have a major lender who is ready to offer this product immediately at competitive rates.

Any Purpose Business Loans

A business loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest. There are a number of different types of business loans, including bank loans, mezzanine financing, asset-based financing, invoice financing, microloans, business cash advances and cash flow loans. Please apply with confidence as we have a panel of fantastic lenders waiting to offer you loans at great rates.

Many great deals are available for business loans.

Factoring and Invoice Discounting

Both factoring and invoice discounting are financial services that enable businesses to release funds tied up in unpaid invoices. They are also responsible for processing the payment of invoices, meaning that your customers are fully aware of your business contract with a factoring company.
The differences between factoring and invoice discounting are as follows:

• With factoring the third-party company takes control of the sales ledger, chasing customers for settlement of invoices and managing the credit control of the business. They are also responsible for processing the payment of invoices, meaning that your customers are fully aware of your business contract with a factoring company.
• With invoice discounting your customers are unlikely to be aware of your relationship with a financing company. You maintain responsibility for the sales ledger, payment chasing and invoice processing.
  Contact us now to get great deals.

Retail Finance

What is Retail Finance? Your customer can purchase goods or services and spread the cost through monthly instalments. Finance can be interest free or interest bearing. Terms range from 3 months to 60 months. Your customer can apply either in your store or at home via your website.

We have a panel of lenders who are offering very attractive deals.

Asset Based Finance

At GB Financial Group we can offer a comprehensive range of asset-based finance products.

Asset Finance

Asset finance is a type of finance used by businesses to obtain the equipment, machinery and vehicles they need to grow. It usually involves paying a regular charge for use of the asset over an agreed period of time, thus avoiding the full cost of buying outright. The most common types of asset finance are leasing and hire purchase.

Great deals available now.

Vehicle/Auto Finance

Auto financing, also known as car finance, car financing or auto finance, refers to the range of financial products available that allow people to acquire a car with any arrangement other than a full-cash single payment (outright payment). Auto financing refers to borrowing money to buy a car.

Competitive rates available for car finance.

Fleet Finance

Fleet vehicles are groups of motor vehicles owned or leased by a business, government agency or other organization, rather than by an individual or family. Typical examples are vehicles operated by car rental companies, taxicab companies, public utilities, public bus companies. We are here to help you finance/lease the above at competitive rates.

Contact us first for your fleet finance requirements.

Vehicle Leasing

Vehicle leasing is the leasing (or the use) of a motor vehicle for a fixed period of time at an agreed amount of money for the lease. The key difference in a lease is that after the primary term (usually 2 – 5 years) the vehicle has to either be returned to the leasing company or purchased for the residual value.

A number of great deals available.