Making savings, reducing overheads and cutting costs are all good ways of preserving cash in your business. But sometimes these alone are just not enough.

Whether you need an injection of capital, release equity tied up in property or monies tied up in sales invoices, Shire Funding Solutions can help your business.

Shire Funding Solutions understands that cash flow is the lifeblood of a business and offers a full range of funding options to help support and grow your business where traditional funding is not available. These options allow an immediate injection of cash into your business for:

> Working capital
> Business expansion
> Purchasing stock
> Refurbish your business
> Tax Funding
> or any other business purpose / business expense

Below you will find more information on how we can help you raise the funding you require. Whichever route you choose, arranging it with Shire Funding Solutions is easy.

 

Unsecured Business Loans

Unsecured Business Loans for any business purpose. Loans can be approved and paid out within 3-5 working days to help ease your cash flow worries. Choose a flexible, fast solution to get funds into your business quickly and help you grow.


• Borrow from £5k-£500k
• Terms from 6 months to 5 years
• Fast decisions - within 24-48 hours
• Interest rates start from 3% per annum

Merchant Cash Advance

A Merchant Cash Advance allows you to raise cash for your business through your future credit and debit card sales. It's a convenient and flexible way to raise funds for any business which takes regular credit/debit card sales through their PDQ machine.

Re-payments are paid through your card terminals at an agreed fixed percentage of each future transaction. This product will allow your business to grow whilst responding to the unexpected challenges small and medium businesses commonly face. The benefits of a Merchant Cash Advance are below:


• Simple repayments - A fixed percentage against your credit and debit card sales means you will always know what you are paying
• Goes with the ups and downs of your business - As repayment is through your card terminals, if your takings are lower one month, you will simply be paying less
• Fast decisions - We can usually get decisions within 48 hours meaning your time won't be wasted

Secured Business Loans

Secured Business Loans for any business purpose. Funding for commercial loans with a second charge secured against many property types within the UK. If you have equity in a property, either commercial or residential, Shire can source you a secured business loan to release this equity allowing you to improve cash flow, expand your business or purchase stock.


• Borrow from £5k-£1 million
• Terms from 6 months to 25 years
• Rates start from 7.9% per annum
• Interest only options available

ANY PROPERTY GIVEN AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT

Commercial Mortgages

Commercial mortgages are typically used to help fund the purchase of a commercial property or to re-mortgage a commercial property to a new lender for an improved rate and/or raise capital. Businesses will often choose to purchase rather than rent as mortgage repayments are often equivalent to rental payments.


• Mortgages and re-mortgages from £25,000
• Up to 70% loan to value
• Repayment terms from 3 years to 25 years
• Competitive rates

ANY PROPERTY GIVEN AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT

Property Development Finance

Development Finance to provide funding for a wide variety of projects and a broad range of developers.


• Commercial developments
• New build conversions and refurbs
• Loans from £150k-£10 million
• Interest Rates start from 1% per month

Business Merchant Services

With more purchases in the UK each year being made by card rather than cash and cheques combined, businesses that don't accept debit and credit card payments will struggle to reach their full potential.

Shire Merchant Services help businesses sell more by making it easier to accept their customers payments in a reliable, fast, secure and effective process. Whether its terminal and POS Solutions or online and telephone payment solutions, we can help.

Card transactions do attract fees, but Shire takes into consideration every cost associated and works towards providing you with a lower total cost. Our experts are on hand to discuss which business payment terminal is most suitable for your business and your customers.

With approvals within 5 days, clear and transparent charges and dedicated staff working towards lowering your total cost, speak to Shire today to get the best agreement for your business!

Business Payment Gateway

Your own online payment gateway with no monthly fee!

We are offering you a simple, low cost way to accept payments through your website. Boost your sales by allowing your customers to pay online using their Visa, Mastercard, Maestro and American Express cards.

How it works

When your customers are ready to pay they are redirected to a payment page hosted by First Data. This page can be customised to match your branding. Customers can enter their payment details securely before being returned to your site at the end of the transaction. All payment pages are full PCI DSS compliant.

Low costs with no surprises

To keep costs low and transparent, each payment you accept with cost just 10 pence*. There are no hidden monthly charges, so no surprises when you see your statements. Plus, there is no contract so if it's not right for you simply call 30 days prior to you wanting to end and the service will be terminated at no cost.

Benefits


• Customised internet payment gateway
• No set up fee
• Simple 10p* per transaction fee structure
• No minimum monthly fee
• No hidden costs
• Phone Support
• Real time online reporting

Bridging Loans

Bridging Loans are an ideal short term solution whilst longer term financing is being arranged. Generally over 6-12 months, they can be used for short term needs such as:


• Stock for your business
• To pay your VAT bill
• Refurbishment
• To purchase or invest in property
• Working Capital for your business

Bridging Loans will always be secured against commercial property, investment property or land.

You will usually pay interest monthly, although in some cases interest can be added to the loan and paid when the loan is settled in full.

ANY PROPERTY GIVEN AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER DEBTS SECURED ON IT