ATC Solutions through our commercial finance partner can help to provide bespoke solutions in commercial finance, secured and unsecured lending and bridging finance through a broad panel of lenders. As well as our core products, we are able to offer more specialist finance ranging from asset finance to Invoice Factoring/Cash Flow Finance (important tools that help maximise commercial lending capacity) to Debt managementand Insurance products.

Secured Lending:

Through our partner we have available a broad proposition of products to suit most of our clients’ needs for obtaining secured finance.

There are many reasons to use a secured loan but the most common reasons are:

• Avoidance of early redemption penalties on main mortgage;
• Protect competitive fixed rate mortgage deal;
• Shorter repayment period;
• Avoid exposing entire mortgage account to a higher rate if your credit status has deteriorated;
• You may have been declined a further advance;
• Flexible and varied criteria – For example more generous income calculations than offered on a re-mortgage or further advance.

Unsecured Lending:

Through our partner we can now help obtain unsecured facilities for clients who would have initially opted for a secured personal loan but require funds within a couple of days. A number of different type of lender are used from high street to specialist unsecured lenders, who will fund up to £25,000 over a short to medium timeframe.

Generally speaking, most high street lenders will require your client to be a homeowner, have a clean credit history and be able to prove income, though we have slightly relaxed terms with our specialist lenders. Funds are available within a couple of days, though an interview may be required with some lenders prior to release of funds.

Bridging Finance:

Bridging finance is often used as a quick solution but is not just about lending of last resort. There are many situations why a bridge, despite the cost, can be seen as best advice. Commercial and Residential bridging finance can be used for many purposes and some of the most common are:

• Finance to enable the purchase of one property before completion of another or to complete a purchase of property at auction
• Finance to fund an urgent purchase of a property, pending arrangements of a long-term mortgage, often used in investment situations;
• Finance to raise short term capital usually up to 12 months for virtually any purpose including land acquisition, property development and business expansion;
• Finance to fund the purchase of a property sold at a discounted price;
• Finance to settle adverse credit or arrears prior to re-mortgaging.

For More Information

For more information about these services or on the commercial finance options that we can help with call us now on one of the numbers below. Alternatively, fill out the form below, indicating you area of interest, and one of our partners will be in contact. If in any doubt we offer a free, no obligation meeting to discuss your requirements.

For further information please email us at mail@atcsolutions.com or call:

ATC Solutions takes your privacy very seriously and any information you provide will only be used by us. We do not pass on information to any third parties unless you expressly give us permission and only then in relation to your specific enquiry.