Small Business Loans

Small Business Loans Unavailable | A Sell and Rent Back Solution

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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Small business loans are essential for most businesses from the start - credit lubricates the running of a modern business. Indeed, plenty of small businesses failed during the worst of the credit crisis in 2008, showing how important loans can be, to the survival of a small business.

If you want get hold of finance for your small business, you need to know how the market for getting small business loans stands. You also need to be aware of the providers of small business loans and the prospects for credit supply to pick up. But in addition, given the recent difficulties with securing loans of any sort, it would be sensible to be open to other ways of raising finance.

Small business loans are available from both large and small credit brokers. They can check out loans across a wide spectrum of the market, to find small business loans that may be suitable for you. Small business loans arranged like this will have broker fees applied, and so may be dearer. A bigger concern is that, with the reduction in credit supply heralded by the credit crunch, the number of loans available is much smaller, and terms too onerous - brokers may find it hard to get you an affordable loan.

Principle lenders, who hold capital directly, such as banks, may be better placed to offer you small business loans, because they are the primary source. But you will have to trawl the market yourself to get the best provider and rates. And you may find the same shortage of affordable small business loans that the credit brokers experience.

So what are the prospects for the UK credit over the next year or so? The Bank of England 'Trends in Lending' report, for April 2010, shows a continued decline, of 7.9%, in overall business lending, up until February. And small business loans remain 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."

If small business loans are going to stay difficult to find at an affordable rate, then where else can you turn for your small business borrowing? An innovative solution is to avoid borrowing entirely by taking up a sell and rent back agreement with SellMyCommercialProperty.

We are a property investment company with fast access to considerable funds. And SellMyCommercialProperty have a great deal of experience with sell and rent back agreements - this is where we purchase your business premises, but give you the security to continue trading, with a long term lease. Our dedicated and experienced valuation team operates UK wide, and can make a valuation of your premises fast. We can then supply you quickly with the finance you need. If you call SellMyCommercialProperty today, then you can find out how much more cheaper and convenient, your financing can be than through small business loans.

What to do next

To discuss selling your property, contact us now on 0800 689 1571

Altertatively, please click the Property Information Form link, submit your details to us so we can assess buying your property and call you back within 48 hours

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If you have any other burning questions, you can email one of our property experts on enquiries@sellmycommercial property.co.uk and we will answer your questions in a flash

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