Small Business Loan

Small Business Loan | Why Property Equity May Be Your Only Option

Whats it Werth?

What's it werth?

Find out what's really going on in the Commercial Property Space with Jason Werth, our MD and Commercial Property expert.

Read Jason's views on:

  • The current Commercial Property market
  • Future property values
  • Market trends and reports
  • Sector & Geographical analysis


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A small business loan is essential for most businesses; right from start up credit, it is the lifeblood of any business. Many small businesses fell by the wayside during the worst of the credit crisis in 2008, reinforcing how important loans can be to the survival of the modern business became all too apparent.

If you want to raise finance for your small business, you need a good idea of how the market for small business loans stands. You need to know who will provide you with a small business loan, and whether there is any chance of credit supply picking up. But also, given the recent problems with securing credit of any sort, it would be a good idea to check out other ways of raising finance.

A small business loan can be gotten from credit brokers, both small and large. They can check out all the loans available in the market, in their search for a small business loan suitable for you. However, a small business loan arranged this way will incur broker fees, so it will be a little more expensive. More worryingly, since the choking off of credit supply, the number of loans available is much smaller- and brokers may struggle to find what you need.

Those who hold capital directly, such as banks, are better placed to offer you a small business loan, as they control supply directly. But you will have to do the research yourself, to find the best provider and business loan rates. Unfortunately, you may also find the same lack of an affordable small business loan that the brokers are experiencing.

If the terms of these providers are too onerous to meet, you may turn to those who can offer you a bad credit business loan. These are likely to be prohibitively expensive, however, and best avoided.

So how will conditions in the credit market evolve, going on? The Bank of England 'Trends in Lending' report, for April 2010, unfortunately shows a decline in overall business lending, with a 7.9% fall in the three months to February. Additionally, a small business loan remains expensive:

"For smaller businesses, the Credit Conditions Survey indicated that spreads on lending had increased somewhat. Contacts of the Bank's network of Agents reported that spreads and fees appeared to have stabilised, albeit at high levels."

Given that affordable small business loans appear likely to be difficult to arrange for some time to come, where else can you turn for your small business finance needs? One option is to avoid the costs of borrowing entirely, and take up a sell and rent back agreement with SellMyCommercialProperty.

We are a property investment company with access to substantial lines of finance. SellMyCommercialProperty have a great deal of experience with sell and rent back agreements. We can purchase your business premises, but give you the security to continue trading, with a long term lease. We can make a valuation fast, and then quickly supply you with the finance you need. So get in touch with SellMyCommercialProperty today and you can find out how much easier and cheaper your finance can be than attempting a small business loan.

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