Sample 1 - Blog #alternative financeSample 1 - Blog #alternative financehttps://lololol.zohosites.com/thoughts/tag/alternative-financeFri, 02 Aug 2024 15:51:38 -0700http://zoho.com/sites/<![CDATA[Boutique Lending: How Small Businesses are Cashing in on Specialized Financing]]>https://lololol.zohosites.com/thoughts/post/Boutique-Lending-How-Small-Businesses-are-Cashing-in-on-Specialized-Financing

The UK SME lending market has evolved in recent years and we’re here to help

In the UK, small and medium-sized enterprises (SMEs) are the backbone of the economy. But accessing finance has not always been easy for these businesses. Fortunately, the SME lending market has evolved in recent years, and there are now a range of options available to help businesses get the funding they need to grow and thrive.

We specialize in helping SMEs find the best possible solution for their needs, from traditional bank loans to crowdfunding and alternative finance. 

  • We understand that each business has its own individual requirements, so we work closely with our clients to ensure they get the right deal for them. 
  • We are committed to helping businesses access the finance they need to reach their goals and make their dreams a reality. 

So, if you're looking for help with your SME lending needs, we're here for you. 


What are the Different Types of SME Lending?

There are a number of different types of SME lending available, and the best option for your business will depend on your specific circumstances.

Bank loans:

Bank loans are the most traditional form of SME lending, and usually offer the lowest interest rates. However, they can be difficult to obtain, and you may need to provide collateral in order to qualify.

Revolving Credit Facility:

A revolving credit facility is a line of credit that can be used as and when needed, up to an agreed limit. This can be a flexible and convenient option for businesses with fluctuating cash needs.

Asset-Based Lending:

Asset-based lending is a type of lending that uses your business assets as security. This can include invoices, plant and machinery, or property. It can be a flexible option, as you can usually borrow up to 80% of the value of your assets.

Trade Finance:

Trade finance can help businesses to grow by providing funding for imports and exports. This can be a useful option for businesses that are looking to expand their operations into new markets.

Supply Chain Purchase Finance:

Supply chain purchase finance can help businesses to free up cash that is tied up in their supply chain. This can be a useful option for businesses that have regular large payments to make, such as for raw materials or inventory.

Crowdfunding:

Crowdfunding is a newer form of finance that allows businesses to raise money from a large number of people. This can be a great option if you have a strong online presence and are able to generate interest in your project.

Alternative finance:

Alternative finance covers a range of different funding options, including invoice financing, merchant cash advances, and short-term loans. These options can be a good fit for businesses that have trouble qualifying for traditional bank loans.

Property Bridging Loans:

Property bridging loans can provide funding for the purchase of property and can be a useful option if you are looking to invest in commercial property or other real estate assets.

Property Development Finance:

Property development finance can provide funding for the construction of new property developments. This can be a useful option for businesses that are looking to expand their property portfolio.

Find the Right Solution for Your Business

No matter what your business goals are, we can help you to find the right solution for your needs. We have a wide range of options available, and our experienced team can help you to find the best deal for you.


Get in touch with us today to find out more about our services and how we can help you to access the finance you need.

What are the Benefits of SME Lending?

There are a number of benefits that come with accessing finance for your business.

  • Firstly, it can help you to cover the costs of expansion, such as new premises, equipment, or staff.
  • Secondly, it can provide you with working capital to help you tide over during tough times or take advantage of opportunities as they arise.
  • And finally, it can help you to improve your business's overall financial management and give you greater peace of mind.


If you're looking for ways to grow your business, SME lending could be the answer.

We can help you to find the perfect solution for your needs, so don't hesitate to get in touch.

Did you know the UK SME lending market has evolved in recent years? Let us help you make the most of your financing needs. Here at GIC Capital, we offer simple and hassle-free business finance and property finance solutions. Our knowledgeable team is here to help you make informed decisions about your next financing venture: #GICCapital #SMEFinance #SmallBusinessFinance #sme #lending #uk #evolve #help #business #growth #financial

]]>Tue, 27 Dec 2022 19:45:22 -0800<![CDATA[How are UK housebuilders benefiting from the alternative lending industry?]]>https://lololol.zohosites.com/thoughts/post/How-are-UK-housebuilders-benefiting-from-the-alternative-lending-industry


It’s no secret that the housing crisis in the UK is one that has been getting progressively worse for a number of years, with the Prime Minister stating that it was her personal mission to ‘fix’ the situation towards the end of last year.


At present, the building of new houses in the UK is controlled by a handful of large developers, with the number of SME housebuilders declining by around 80%.

It wasn’t always like this. Back in the 60s the top 10 housebuilders only accounted for 9 percent of new housing production. The rest was supplied by small, often family-led businesses.

The shift in the building of new homes has often been accredited to the difficulties associated with obtaining finance, with 54% of SMEs claiming that a lack of funding was the obstacle that stood in the way of getting the work done.


Alternative finance is, however, beginning to plug this gap and offer a resolution to SMEs that would otherwise struggle to complete building projects.

Providers of alternative sources of finance have been establishing their position in the SME property value chain, and it’s not hard to see why.

This type of finance tends to be uninhibited by things such as legacy loan books, outdated and lengthy technology processes and regulatory constraint, making it much more attainable for smaller businesses who can’t obtain the funds that they need through banks.


Despite these progressions, there are still a number of changes that the Government could implement that would further support the work of small building businesses.

Reintroducing the pre-1990 presumption in favour of development, particularly for small brownfield sites that lie within existing settlements would certainly help.

Doing so would help to unlock areas of unused land for SMEs while simultaneously protecting the greenbelt and undeveloped areas.

Areas suffering from significant housing shortages would benefit if the reclassification of garden land to “greenfield” land was reversed. This was a lifeline that many small businesses previously relied on to stay in business.


It seems that the presence of the Government’s Help-To-Buy scheme has done plenty to boost the demand for houses, just not the supply. Perhaps now is the time for a Help-To-Build scheme to also be implemented…

Are you an SME seeking alternative finance? We work with substantial privately owned investment companies to deliver exceptional funding opportunities to businesses, find out more here. 

We aim to deliver much needed capital to start-ups and SMEs

Call Now +44 (0) 203 2909019

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