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Funding solutions

Specialists in a range of products, such as asset finance and unsecured loans across several sectors including agriculture, construction, healthcare, and property.

While there is now a greater choice of funding solutions, today’s lending markets are far more complex and we are finding that businesses need informed, expert advice to help identify the solution which is best for them.

Our commercial finance and funding facilities are supported by an extensive panel of lenders across the full market to deliver short-term and long-term business finance solutions. Our lenders have an appetite to power unprecedented growth in businesses and strive to support company directors as they achieve the next milestone in their business growth journey.

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Finance And Funding

What do we offer?

We offer a wide range of commercial finance and funding solutions which include:

  • orange tick Invoice finance
  • orange tick Asset finance
  • orange tick Property finance
  • orange tick Vehicle finance
  • orange tick Agricultural finance
  • orange tick Healthcare finance
  • orange tick Renewable energy finance
  • orange tick Unsecured funding
  • orange tick Unsecured loans
  • orange tick General insurance brokerage
  • orange tick Mortgage brokerage
  • orange tick VAT funding
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VAT funding

BloomSmith is a specialist VAT/SDLT lender providing short term funding for property and land acquisitions.

A BloomSmith VAT loan enables the business to raise short term finance to cover up to 100% of the VAT due on the purchase of land or commercial property. This enables the deal to complete and the business to retain equity.

Unlike other VAT Lenders, BloomSmith are able to fund without the need for a legal charge and all the time/costs associated with that in terms of Property DD or agreeing Deeds of Priority between lenders.

They offer fast, simple, effective funding solutions for investors, developers, brokers, commercial estate agents, accountants, lawyers and insolvency practitioners.

The BloomSmith structure and collaboration with HMRC enables swift repayment of the loan.

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BloomSmith

How it works

Loans provided by BloomSmith are unsecured so that have no material impact on mortgage debt or security.

  • 1.

    Borrower provides:

    • property address
    • purchase price
    • anticipated completion date
    • buyers / solicitors information
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  • 2.

    Next, BloomSmith will:

    • issue briefing letter
    • await solicitors undertaking
    • assign funds
    • complete transaction
    • assign funds
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BloomSmith - How it works

Top 5 reasons to use BloomSmith

BloomSmith are the only lender that specialises in VAT funding on commercial real estate acquisitions, without the need for a legal charge over the property. They can deal with large asset purchases (£500k plus).

  • orange tick 1. Charge free lending (no need for legal charge to be taken over property providing Commercial property/land is purchased via newly formed SPV. BloomSmith are the only funders able to lend without the need for a second charge and all the time and costs associated with that in terms of Property DD or agreeing Deeds of Priority between lenders.
  • orange tick 2. Speed of funds (funding within 48 hours of legal undertaking).
  • orange tick 3. Reliability of funds ( a rolling £20m facility with Shawbrook Bank and HNW Investors funds also).
  • orange tick 4. BloomSmith are the founding, most established VAT lender.
  • orange tick 5. Ability to consider wider funding solutions for Assets/Construction VAT/SDLT/Liquidity at 50% LTV. The right fit solution to help get deals over the line.
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Pages related to Funding solutions

VAT funding dark blue arrow pointing right Foreign exchange and global payment solutions dark blue arrow pointing right Business credit score improvement dark blue arrow pointing right Business sales & acquisitions dark blue arrow pointing right
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