Business Funding
J9 Advisory provides expert advice on the most suitable funding facilities for your business, no matter what stage you're at. We will help you find the right financial solutions to meet your needs, from securing capital for growth to navigating cash flow challenges.
REFINANCE
Refinancing is the replacement of an existing debt obligation with another debt obligation under different terms and / or provider.
Whether you’re looking for a cost saving, fund raising, or relationship driven project, we will find the perfect funding partner for you and your business’ specific requirements.
ASSET FINANCE
Asset financing is the use of a company’s balance sheet assets, including plant and machinery, vehicles, stock or debtors, to borrow money through a loan or revolving credit facility.
Asset finance can seem like a real minefield, with so many operators offering so many different funding streams. Based on your specific requirements we will identify and deal with the most suitable funding partner to enable you to either purchase business assets or generate working capital within your business.
BUSINESS LOANS
A business loan is a repayable debt facility that companies can utilise for working capital or asset acquisition, which they are unable to finance from existing cash reserves.
With access to numerous lenders on the high street, together with independent and alternative funders, we can assist businesses to secure the cash they require at the best possible rate.
FACTORING/INVOICE FINANCE
Factoring is a financial transaction and a type of debtor finance in which a business sells its accounts receivable (i.e. invoices) to a third party (a factor) at a discount, and enables them to access cash that would otherwise be tied up with outstanding debtors.
While once seen as a last resort for funding, factoring/invoice finance is now widely used by businesses to increase the availability of working capital. As an independent advisor I provide an unbiased view of the market; ensuring the chosen lender will suit you and your business’ requirements.
COMMERCIAL & INVESTMENT PROPERTY FINANCE
Commercial and investment property finance is available to businesses wishing to buy their own commercial premises, invest in property or raise finance secured against their current property.
Securing funding for property is much like picking the best mortgage for your home – a job that you can do, but one the professional can do better. We will provide the best possible options and guide you through the process from start to finish.
PROPERTY DEVELOPMENT FINANCE
Property development finance provides the funds needed to turn a property project into reality.
We have access to a number of funders who can provide funding for property projects - whether refurbishment or development.
TRADE FINANCE
Trade Finance is a facility that sees a business use lenders funds to assist a business in funding its stock purchases.
If you have a confirmed order and need funding to assist in purchasing the goods in order to complete the transaction, or you are a proven player in your field with a track record of selling specific products, we can help you.
STOCK FINANCE
Stock finance is a type of funding that can see stock held by a business used to secure additional funding on a revolving credit basis.
Whether you’re approaching stock finance from the point of view of raising funds to purchase more; or using it to secure new funding; we will find the perfect option for you.
Frequently Asked Questions
- 01J9 Advisory can help businesses identify and secure a wide range of funding facilities, depending on their circumstances and requirements.This can include business loans, asset finance, invoice finance, refinancing, commercial and investment property finance, property development finance, trade finance and stock finance.We take an independent approach to identify the most appropriate funding solution for your business rather than recommending a particular lender or type of finance.
- 02Yes. A bank declining an application does not necessarily mean that funding is unavailable.J9 Advisory has relationships with a wide range of high-street banks, independent lenders and alternative funders. We can review your circumstances, understand why the original application was unsuccessful and identify alternative funding options that may be more suitable.
- 03The timescale depends on the type and complexity of funding required, the lender and the information available.Where funding is time-sensitive, we can work proactively with you and potential funders to progress an application as quickly as possible. In a recent case, J9 Advisory helped a client secure funding within 13 days of the initial meeting.
- 04The amount available will depend on factors including the purpose of the funding, your business's financial position, available assets or security, cash flow, trading history and the lender's criteria.Rather than working from a one-size-fits-all funding limit, we assess your requirements and identify facilities that are appropriate for your particular circumstances.
- 05Business funding can be used for a wide range of purposes, including working capital, purchasing assets, refinancing existing facilities, acquiring commercial property, funding property developments, purchasing stock or supporting business growth.The appropriate type of finance will depend on what you are looking to achieve and your business's financial position.
- 06J9 Advisory can help businesses that need additional working capital or are experiencing cash flow pressure.Depending on the circumstances, potential solutions may include business loans, invoice finance, asset-based lending, refinancing or other forms of working capital finance.We can also review your wider cash flow position to help determine the most appropriate solution.
- 07Asset finance allows a business to use assets such as plant and machinery, vehicles, stock or debtors to obtain funding.It can be used to purchase new assets or, in some circumstances, release working capital from assets that the business already owns.J9 Advisory can assess your requirements and identify suitable asset finance providers and facilities.
- 08Invoice finance allows a business to access funds tied up in unpaid customer invoices rather than waiting for customers to pay.Depending on the facility, a funder may advance a proportion of the value of outstanding invoices, providing the business with additional working capital.J9 Advisory can provide independent advice on the invoice finance market and help identify a facility suited to your business.
- 09Yes. Refinancing can be used to replace existing borrowing with a new facility on different terms or with a different provider.Businesses may consider refinancing to reduce funding costs, raise additional capital, restructure existing facilities or move to a funding partner that better suits their current requirements.We can review your existing facilities and explore whether refinancing could improve your position.
- 10Yes. J9 Advisory can assist businesses looking to purchase commercial or investment property, raise finance against existing property or fund property development projects.We have access to a range of funders and can help identify appropriate options based on the property, project and financial circumstances.
- 11Yes. Funding can sometimes form part of a wider business rescue or restructuring strategy.Where a business is under financial pressure, we can consider options such as distressed refinancing, debt advisory, cash flow management and other restructuring solutions alongside any new funding requirements.The earlier you seek advice, the more options may be available.
- 12J9 Advisory is an independent business advisory firm rather than a single lender. This means we can consider a broad range of funding providers and solutions rather than being limited to one institution.We also understand the wider financial and commercial position of a business, allowing us to consider funding alongside cash flow, restructuring and other business requirements where appropriate.
- 13Yes. You don't necessarily need to know which funding product is right for your business before speaking to us.We can discuss your objectives, financial position and funding requirements, then assess the available options and recommend a suitable way forward.
- 14The first step is to speak to us about your business and what you are looking to achieve.We can discuss your funding requirements, understand your current position and consider the most appropriate options available. From there, we can help you navigate the funding process and work with suitable lenders through to completion.
If you would like to discuss this service further please do not hesitate to get in touch: