How a commercial finance broker may approach complex requirements, including multiple assets, refinance, acquisitions and specialist assets.
Complexity is specific to the business
A funding request may be complex because it involves several assets, a specialist or non-standard asset, refinance alongside a purchase, an acquisition, a changing business structure or a substantial amount of funding. The lender’s appetite and requirements depend on the details of the case.
Build a clear view of the requirement
A broker can help map the funding purpose, amounts, assets, ownership context and expected repayment source, then organise the information a lender may need. Where more than one facility or provider could be involved, the structure and dependencies need to be made clear rather than treating each request in isolation.
Sorbus has advisers with experience in specialist assets, fleet, construction and engineering, and can discuss whether a requirement may fit its panel. A discussion is not an underwriting decision or a promise of finance.
Possible requirements to discuss
Sorbus can discuss requests involving multiple assets or lenders, asset refinance, business acquisitions, expansion funding and equipment that may not fit a standard product route. Which provider can consider a case depends on current lender criteria and the information provided.
- Several assets or funding needs linked to one project
- Refinance alongside new asset or business funding
- Business acquisitions or expansion
- Non-standard, specialist or high-value assets
- Ownership or trading circumstances that need explanation
Evidence and realistic expectations
Published case studies provide examples of individual transactions and customer situations. Each case is different: examples do not establish that a similar application will be approved or receive the same terms. Lenders make their own decisions, and finance is not guaranteed.