Commercial Finance & Commercial Finance Brokers

James Furniss

Head of SMH Commercial Finance LLP

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Finding the right funding can make a big difference to your business, whether you’re planning to grow, purchase property, invest in equipment or manage cash flow.

At SMH Group, our experienced commercial finance brokers are here to help you explore your options and find funding that suits your needs. With access to an extensive network of lenders, we can help you understand what’s available and guide you towards a suitable solution.

SMH Commercial Finance services can help with the following types of funding:

We work with businesses of all sizes across Yorkshire, Derbyshire and beyond. From finding the right lender to preparing your application, we’ll support you throughout the process and make arranging commercial finance as straightforward as possible.

We can help you explore a range of commercial finance solutions, including:

Bridging Finance: Short-term funding for property purchases, renovations and other situations where finance is needed quickly.
Development Finance: Funding to help you move forward with property development, construction and refurbishment projects.
Commercial Mortgages: Finance options for buying, refinancing or investing in commercial property.
Asset Finance: Funding to help your business purchase equipment, machinery, vehicles and other essential assets.
Business Loans: Finance to support business growth, manage working capital or cover day-to-day operational needs.
Invoice Finance: Funding that can help improve cash flow by releasing money tied up in unpaid customer invoices.
Property Investment: Finance options to help you invest in or refinance commercial property.

We’ll take the time to understand your circumstances, financial position and plans for the future, helping you explore funding options that work for your business.

Why Use a Commercial Finance Broker?

Finding the right finance isn’t always straightforward. Different lenders have different requirements, interest rates and funding options, making it difficult to know where to start.

Working with an experienced commercial finance broker can take some of that pressure away.

At SMH Group, we work with an extensive network of lenders, giving you access to funding options beyond those available through your existing bank.

We’ll get to know your business, understand what you’re looking to achieve and help you explore suitable finance options. From explaining lending requirements to supporting your application, we’re here to offer clear, practical guidance at every stage.

Our aim is to make securing commercial finance easier, so you can focus on moving your business forward.

SMH Commercial is a trading entity of SMH Finance and is authorised and regulated by the Financial Conduct Authority. SMH Commercial Finance is a broker and not a lender.

SMH Finance LLP is entered on the Financial Services Register: https://register.fca.org.uk/ under reference 840234.

Commercial Finance FAQs

What Is Meant by Commercial Finance?

Commercial finance is funding that businesses can use to manage cash flow, purchase equipment, invest in property or support growth.

There are several types of commercial finance available, including business loans, asset finance, invoice finance and development finance. The right option will depend on what you need the funding for and your business’s financial circumstances.

How Long Does It Take to Arrange Commercial Finance?

The time it takes depends on the type of funding, the lender and how straightforward your application is.

Some short-term finance options can be arranged relatively quickly, while commercial mortgages and larger funding agreements may take longer.

Our commercial finance brokers can help you prepare the necessary documents and guide you through each stage, making the application process easier to manage.

Can My Business Qualify for Commercial Finance?

Your eligibility will depend on factors such as your trading history, financial performance, credit history and how much funding you need.

Every lender has different requirements, so being turned down by one doesn’t necessarily mean other options aren’t available.

We’ll help you understand what lenders are looking for and explore suitable funding options based on your circumstances.

What Documents Are Needed When Applying for Commercial Finance?

The documents you’ll need will depend on the lender and the type of finance you’re applying for.

You may be asked to provide recent business accounts, bank statements, cash flow forecasts, business plans or information about any property or assets involved.

Our commercial finance brokers will explain what’s needed and help you prepare the information for your application.