Commercial Finance
Commercial finance built around where you are going.
Commercial finance isn't always about choosing a product from a list. Often, the right starting point is understanding what you're trying to achieve and how the finance needs to support it.
Beacon works with businesses, investors and professionals across acquisitions, commercial property, growth, development, refinancing, asset finance and more complex transactions.
What are you trying to achieve?
We start with the objective, not the product.
We look at the broader financial picture and then consider how the transaction could be structured and approached.
Grow
Your business is expanding, investing or needs more financial capacity. We look at what the funding needs to achieve, how it fits with your existing position and what the business may need next.
May include working capital, cash-flow funding, equipment and asset finance, expansion funding and corporate facilities.
Acquire
You're acquiring a business, practice or franchise. The purchase price is only one part of the transaction. Existing debt, working capital, assets, property and post-acquisition requirements may all influence the structure.
May include business acquisition finance, commercial property finance, working capital, asset finance and refinancing.
Invest
You're purchasing commercial property or growing an investment portfolio. We consider the acquisition alongside your broader asset position, existing facilities, cash flow and future plans.
May include commercial property acquisition, investment property finance, refinancing and equity release.
Develop
You're funding a development, construction project or site acquisition. These transactions can involve timing, staged funding, security and feasibility considerations that require a more considered approach.
May include development finance, construction finance, site acquisition and project funding.
Restructure
Your current finance may no longer reflect where the business is today or where it is heading. We can help review existing facilities and consider whether a different structure is appropriate.
May include refinancing, debt restructuring, equity release and changes to existing commercial facilities.
Something complex?
The transaction doesn't fit neatly into a standard lending model. Multiple entities, unusual security, complex ownership, existing debt, multiple income streams or a time-sensitive opportunity may require a broader view.
The starting point is understanding the whole transaction before deciding how to approach the market.
Capabilities
Where Beacon can help.
Business Finance
Working capital, acquisition funding, cash flow and trade facilities.
Commercial Property
Investment and owner-occupier property across all asset classes.
Asset & Equipment
Plant, fleet and equipment acquisition structured to cash flow.
Specialist Structures
Development, bridging and transactions outside standard criteria.
Finance solutions
The solution starts with the transaction — not the product.
Depending on the objective and transaction, Beacon can assist across the full commercial lending market.
Built around the transaction
The market is wide. The approach should be precise.
Beacon considers the full commercial lending market, then narrows it to the lenders suited to your transaction.
“Start with where you're going — the finance should follow.”
Have a transaction in mind?
You don't need the structure worked out before speaking with us.
Tell us what you're trying to achieve and we'll start there.