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The latest Business Finance news and tips...

  • Writer's pictureMark Smillie

Why Do Finance Brokers Get Cheaper Interest Rates Than Someone Going Direct?

Finance Brokers can make a huge difference to how expensive finance will be for your business...

During Remembrance Services this weekend, my wife and I couldn't help but think about how lucky we are and the poignant saying "We gave our today, so you can have a tomorrow". All we can say is thank you.

Talking of lucky, I've been a finance broker securing finance for businesses for over 25 years and I still spend at least 30 to 60 minutes every day studying new and different finance options, as well as developing my relationships with large finance companies. The more I study and improve, the luckier my clients are too. We save you time, hassle and money. Through a deep industry knowledge, we know which company to take you to and how to package the loan application to suit that particular companies Underwriting team.

I asked our finance team, "Why are we getting Much Much better rates and deals for our clients than they are being offered by applying direct to the finance company?"

This is what they said to me!

"One of the big Finance Companies is doing an IPO (Initial Public Offering)!" Well that explains that I thought, they will want to show as much profit as they can, hence we are getting a better rate than a business applying direct, as they need their brokers. "The falling £, Brexit an unstable Government and a Labour Party committed to spending billions."

Hence, Finance Companies are giving their best brokers or "Champion Brokers", their best finance deals.

Whereas "a one off" client, does not have that arrangement.

Finance companies and Banks hate uncertainty and they appear to be boosting their cash reserves (which means charging you more if you go direct). With great rates available if you know who to approach, you might consider giving me a call to discuss any future finance requirements on 07710 466166.

I typically get a phone call once a week, that starts with

“Hey Mark, I have been receiving your emails for years now, can you (x, y or z)?” The answer is normally yes, having built up a contact base to die for, over the last 25 years. Time wasters are always welcome to call me, there is nothing I like more than a challenge, I just happen to love what I do; I am a very lucky man.

If your business is looking for, any type of business finance that is what we do, including property development. Why not pick up the phone and tell me what finance would ideally suit your business, let us be your Satnav helping you get there quickly and easily we work with all types of business including the construction sector.


This is a new funding line we have, for larger businesses:

Loan amounts up to £5m

Up to 4x ebitda

5-8 year terms amortised

Simple fast process

No PG or debenture

Min £1m T/O

Minimum 3 yrs accounts

2 directors minimum

£1m in assets and/or debtor book

If your business needs finance, we can help so please get in touch.

Call me today on 07710466166.



Call Us Today: 0800 6125364
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