Aston Commercial Finance has been established by our co-founders Jamie Bridson and Martine Catton.

Jamie has been providing his Financial solutions to as a broker for years and has helped 50+ businesses to find the right solution for challenges they are facing whether this is cashflow issues or gaps in working capital to multimillion pound fit out and development projects working across almost all sectors within the UK SME market.

Martine has over 20 years experience in the alternative lending space and has worked at almost every level in that time finishing her last role as CEO at a reputable loan funder, with this experience Martine brings a wealth of contacts within the industry in addition to in-depth product knowledge that really gives Aston an edge over the competition when it comes to both placing you with the right product and getting the deal done.

Based in Buckingham the team at Aston Commercial Finance have access to a large panel of lenders ranging from traditional high street, to alternative to digital lenders. As Aston aren’t tied to a panel this enables us to truly look at the whole UK lending market without restriction allowing us to source the best rates, service and products for your business.

Working towards a more prosperous future,

Look forward to speaking with you

All the best,

Jamie Bridson

Co-Founder / Director

Tel: 07951 002553

Email: Jamie.bridson@astoncf.co.uk

LinkedIn: jamie-bridson

Web: astoncf.co.uk

Are You Looking for funding to help you?

Overcome Cashflow challenges

Purchase Leisure Rental Accommodation

Build your Rental stock levels

Buy New or Replace existing buildings

Fund a new development

Spread the cost of your new build. 

Purchase new sites or property

Property development 

Business Finance

Working capital is always a fine balancing act for any business owner. 

There are a number of different types of business finance for you to choose from: Here are a selection of the most popular products our customers are using. (each will have a brief explanation of how they work)

 

Asset finance is used by UK businesses to purchase assets such as equipment, vehicles and machinery but can be used for almost anything that the business is buying. Asset finance is ideal for businesses wanting to spread the cost of capital expenditure over a longer period to maintain cash reserves and continue to reinvest in operational costs. 

With asset finance, businesses can either take out a hire purchase (HP) agreement, which allows them to own the assets once all repayments have been made with Vat due upfront or on the 3rd monthly payment. Lease agreements provide the business them the use of the asset for a fixed term the business then has the option to purchase the asset at the end of the term (typically for a single monthly payment). The main advantage to a lease is monthly payments can be written off as an operational expense on your PNL and are 100% tax deductible.

Asset finance refinance is designed to help UK businesses release cash from assets that they already own or to consolidate debt across multiple encumbered assets. Asset refinance is ideal for businesses that have already purchased assets but want to release the cash tied up in them for other business purposes. 

With asset finance refinance, businesses can use their existing assets, such as equipment, vehicles, and machinery, as collateral for the funding and the lender takes a charge over these assets. The amount that can be borrowed will depend on the value and age of the assets being used as collateral, we can get 100% loan to value (LTV) on any assets that have been brought in the last 90 days including soft assets such as fit out works.

Commercial mortgages are for the purchase or refinance commercial property. Commercial mortgages are typically used by businesses that need to acquire property or want to release equity from their existing property. 

With commercial mortgages, businesses can access larger amounts of capital and longer repayment terms, often up to 25 years. Interest rates can be fixed or variable, and early repayment fees may apply.

Development finance designed to help UK businesses and property developers finance the construction or renovation of their latest project. Development facilities are ideal for businesses that need to fund property development projects, including new builds, conversions or refurbishments.

With development finance, businesses can access the funds they need to cover the costs of the project, including land acquisition, planning permission, construction costs, and professional fees.

Development facilities can be provided under both capital and interest payments on a standard development facility or through a bridging loan. Bridging loans are secured against the property and are serviced through interest only payments monthly with capital payments due at the end of the term or with interest being added to the payment when the facility matures.

Unsecured loans are a quick way for UK businesses to access the capital they need to grow without putting their assets or property at risk. As no collateral is required, these loans are ideal for businesses that require an injection of cash. 

They offer flexible repayment terms with fixed or variable interest rates and no early repayment fees. At Aston we work with a range of reputable lenders to provide hassle-free applications and fast funding decisions in as little as 24 hours.

Secured business loans are a solution that allows UK businesses to access capital by using UK property (owned by the directors or the business) as collateral. 

With secured loans, businesses can access higher amounts of capital and longer repayment terms. Interest rates can be fixed or variable and interest only payments are also available to help manage monthly outgoings. At Aston Finance we work with a range of UK lenders to provide secured business loans that suit businesses all the way from startup stage through to >£10m turnover.

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