Gardele Finance

Commercial Finance Consultant & Broker

Asset Finance, Leasing, Contract Hire, Sale & Leaseback

We will provide you a fast, competitive quote to lease any capital equipment necessary for the running of your business. 

This includes Plant, Vehicles, Production Equipment, IT and Telecoms Systems and even ‘Small Ticket’ items from £2K in capital value

Leasing is a tax and cash efficient way of financing equipment for your business, it keeps the asset ‘off balance sheet’ and offers the following key benefits:

  • It provides you immediate use of the asset without paying for it all at once.
  • It frees up working capital and bank loan / overdraft facilities for business growth.
  • The Lease contract is structured for the length of time you require use of the asset .
  • Sale & Leaseback allows you to release capital in assets you already own.
  • We can provide a solution irrespective of credit history or previous problems.
  • It offers the most tax efficient structure for your business.

Whatever your requirement for asset, machinery or vehicle leasing consult our expert team for a no obligation quotation. 

Please call us today on 01204 492210 to see how we can help or complete the contact form and we will contact you.

Property Development & Refurbishment Loans

If you are involved in the building industry or make a living from Property Development and refurbishment then the good news is that funds are available for profitable projects which fit criteria. Property Development and Refurbishment loans are provided from £50K upwards.

A brief synopsis of current key underwriting criteria:

  • All residential Property Types supported – Houses,Terrace, Mews, Flats
  • Applications should be supported by good evidence of demand in the local area
  • If properties are to be retained on completion a long term re-finance option can be provided
  • Mixed use and Commercial Schemes can be supported subject to a demonstrable demand on completion
  • Developments should demonstrate sufficient margin to absorb any possible future reduction in the anticipated Gross Developed Value (GDV) of the project.
  • The borrower or proposed main contractor should have a good CV and be able to demonstrate experience in the sector.

Under normal circumstances we provide loans equivalent to 70% of the estimated GDV of the project however,for experienced developers and if additional security is made available we can often provide funding up to 100% of all site purchase, development and finance costs. We can also introduce Mezzanine Loans secured on a 2nd charge to provide any additional â’top up’ funding.

For free, expert advice to help secure funding for your development project, please call us today to see how we can help or complete the contact form and we will contact you.

Commercial Mortgages

Commercial Property, Business and Buy to Let Mortgages

If you are looking to purchase a Commercial Property for your own occupation, via a SIPP as a longer term investment or perhaps you wish to purchase a trading business or re-mortgage an existing property then speak to the experts within our team.

We will provide you ready access to over 50 major Commercial Mortgage Lenders very active in the market who will look to provide a Commercial Mortgage at competitive rates up to 30 year terms. We can provide both capital and interest repayment schemes or ‘easy start’ interest only options.

In order to assess your best Commercial Mortgage option we will need to understand more about your business and confirm the ability to repay the mortgage from business profits or other sources of income. In general terms we can offer mortgages up to 75% of the freehold / long leasehold value of the property or business being purchased.

We can also assist with a broad range of Buy To Let Mortgage products on both fixed and variable interest rates. If you are currently occupying a commercial property as a sitting tenant and running a profitable business then we can offer special rates and generally a higher loan to value – please call us for details.

For assistance with obtaining your Commercial / Business Mortgage Facility and Buy To Let Mortgage at the best interest rates and terms please  call us today on 0800 920 2062 to see how we can help or complete the contact form and we will contact you.

Factoring / Invoice Finance Solutions

Uncomplicated Free Advice on the Best Factoring Solution for Your Business – Available to both start up and established business clients

New to Factoring? You will be surprised at just how effectively a flexible Factoring arrangement can assist your Cash Flow and Working Capital problems. In essence a Factoring facility draws cash quickly in to the business by converting your debtor book into readily available revenue, the security for the advance being the invoice itself.

No matter what the age and size of your business we can normally provide a workable and cost effective Factoring solution to improve the cash flow in to your business at rates often far better than overdraft terms.

Key benefits of a Factoring Solution include:

  • Up to 85% of the Invoice Value paid to you on issue.
  • On-line process and cash paid in to your account same day / next day
  • Facility available to new start business with turnover from just £100K per annum
  • Bad debt insurance can be included if necessary to give additional peace of mind
  • Factoring can be offered to most Business types and Industry Sectors
  • Reduced finance costs over traditional overdraft facilities
  • Easy to set up and the service can be operational within 7 – 10 working days

We offer free and unbiased advice and will tailor a Factoring and Invoice Finance solution for clients to meet their exact needs and budget. Our level of service is extremely high which is vital at a time when more and more businesses are finding that they have to look beyond the traditional Bank overdraft to satisfy their increasing cash flow needs. We will provide you a view of the entire market – quickly and efficiently and can implement a Factoring solution without disruption to the running of your business.

For more information and to see how a flexible Factoring Solution can benefit your business please call us today to see how we can help or complete the contact form and we will contact you.

Other Services

Buying or Starting a New Business

Open For Business – Loans To Get You Started


Short Term Bridging Loans

 From £5,000 to £15 Million - We are the UK’s Bridging Specialists

Pub, Hotel, Restaurant and Leisure Finance

Bringing your dreams of business ownership to life


Professional Practice Loans

We offer a range of financial services to Professional Practices at very attractive lending terms


Nursing Care Home and Day Nursery Finance

Strong Business Sectors attract very attractive terms

Personal Guarantee Insurance - Providing you with peace of mind

Personal Guarantee Insurance* is an annual insurance policy that provides Company Directors with cover in the event the lender calls on their Personal Guarantee.

Key features:

• Insurance policy backed by an A-Rated Leading Insurer

• Policies underwritten by a dedicated insurance underwriter and Managing General  Agent authorised and regulated by the Financial Conduct Authority

• Annual insurance cover to protect you in the event there is a call on the Personal Guarantee by your lender

What does Personal Guarantee Insurance protect?

Despite the best intentions of Directors, things can sometimes go wrong – things which are often outside of their control such as default by customers or suppliers, regulatory changes or macroeconomic factors.

In the unfortunate event the business becomes insolvent, the lender can call on the Personal Guarantee to recover some or all of the shortfalls due on the outstanding finance obligations that the business owes to the lender.

Personal Guarantee Insurance provides insurance cover to the Director in the event there is a formal call on the Personal Guarantee by the lender following insolvency. 

Any claim payment is made direct to the lender on the Insured's behalf.

*Gardele Finance is an introducer and not an Insurance Broker

I would Like more information

Throughout the clients’ business life, we at Gardele are here to help.

Call 01204 492210