Business Finance
At Cotterell and Cotterell Commercial Finance, we offer tailored business finance solutions to support your company’s growth, operations, and financial stability.
Our services include loans, credit options, and capital funding designed to meet the unique needs of your business.
Whether you’re looking to expand, manage day-to-day expenses, or secure working capital, we are here to help you achieve your goals with flexible and reliable financing options.
How we help
Understanding Your Business Needs
Every business is unique, and so are its financial requirements. We take the time to understand your goals, challenges, and opportunities, ensuring that we recommend solutions that align with your specific circumstances.
Access to Diverse Funding Options
Whether you need short-term cash flow support or long-term funding for growth, we offer a wide range of financial products from trusted lenders.
Our strong industry connections allow us to secure competitive rates and terms tailored to your situation.
Streamlined Application Process
We simplify the application process, reducing paperwork and fast-tracking approvals so you can access the funds you need without unnecessary delays.
Expert Advice and Guidance
With years of expertise in commercial finance, our team offers honest, transparent advice. We’ll help you navigate the complexities of financial options, empowering you to make informed decisions.
Whether you’re a start-up, small business, or established enterprise, Cotterell and Cotterell is here to help you achieve your goals with bespoke business finance solutions.
Why choose us
When you work with us, you gain access to benefits that aren’t necessarily available to
borrowers dealing directly with lenders.
Speed
One of the attractive benefits of bridging loans is that they can be put in place quickly.
We have long-term relationships with the lenders to get funding expeditiously for you.
We know what’s required in the process, so we can avoid any mistakes or omissions that can delay your access to finance.
Diverse, flexible options
With access to over 170 lenders, including alternative funders, challenger banks and specialist lenders, we can find you the most competitive loan.
In some cases, we can secure a 100% LTV in some cases, where no deposit is required.
Strategy
We navigate the process of accessing funding for you.
Once we’ve reviewed your finances, we’ll create a comprehensive strategy for you, including how you will repay the loan (your exit strategy).
We can overcome barriers such as a bad credit score and put together the evidence you need to show your lender.
Up-to-date insights
The market for bridging loans fluctuates and lenders change their terms frequently.
We’re up to date on the latest information and we can advise you on the best loan, right now, for your circumstances.
Our process
When you work with us, your application runs smoothly from start to finish.
Here’s a quick rundown of our process:
1
Consultation
Tell us why you need short term finance and what you hope to achieve with the loan.
2
Explore the market
We review the lending options available.
3
Advice
We set out the options for you with analysis of how each one may impact your objectives.
4
Application
We compile the application for you, together with supporting documents and submit it to the lender.
5
Respond to the lender
We reply to lender queries promptly.
6
Approval
We secure the bridging loan
that’s right for you.
Find out more using our FAQs
What are the benefits of bridging loans?
- Speed: We can arrange bridging loans very quickly. If you need fast access to funding, this is a viable option.
- No break fees: You can repay bridging loans early without incurring penalties. This usually saves you money on interest
- Flexibility: These loans allow borrowing against properties that are not suitable for a mortgage
What are the alternatives to bridging loans?
Possible alternatives are:
- Mortgaging the second property: you’d get a loan with a longer term, but it may work out cheaper in the long run
- Unsecured personal loans: you can borrow up to £50,000. These loans tend to have annual interest rates, which means they can be less expensive overall. We do not provide advice on unsecured personal loans
What are the risks?
- Double mortgage payments: If you use the loan to purchase a new house before you find a seller for your current home, you risk paying for two properties concurrently.
- High interest rates: Bridging loans are designed to be short-term, high-value borrowing. Lenders often expect high returns, which means they charge high interest rates. Missing a repayment can incur large fees
- Losing your property: Lenders secure the debt against the property. You risk losing the property if you cannot afford the repayments
Can I get a bridging loan if I have a bad credit rating?
Yes. Even with bad credit you stand a chance of being accepted for a bridging loan. Our advisers can talk you through your options. Taking out a bridging loan and meeting your repayments can even help to improve your credit score.