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Aside from broker fees, you may incur lender arrangement fees, valuation fees, and legal fees.

Typically, you may be asked to provide 2-3 years of audited accounts, 6 months of business bank statements, a business plan, and details of the property or asset being financed.

Generally, businesses need to be trading for at least 6 months, though some products accept newer businesses or start-ups with a strong business plan.

A commercial finance broker acts as an intermediary between your business and a wide range of lenders (not just high street banks) to secure funding, leveraging industry expertise to find the best terms, interest rates, and structures.

Brokers have access to a broader market, including specialist lenders, offering more options for tailored finance, particularly if you have unique circumstances or require faster turnaround times.