Lotus Finance (UK) Ltd brings a focused, informed and professional approach to the commercial finance sector.

Research has shown that, in the UK, only some 15% of commercial finance is arranged through commercial brokers whilst in the USA this figure is close to 70%. Lotus believe that a combination of the high quality service they provide and ability to demonstrate savings to their clients, will put them firmly in the forefront of a drive to increase the penetration levels in the UK.

Financial Applications
A major aspect of our service is in putting together comprehensive commercial finance applications ensuring all the necessary information is included to enable potential lenders to make a quick decision. Applications are invariably placed with a number of different lenders with the intention of securing the best deal possible particularly in terms of fees, interest margin and security requirements.

We are therefore able to ensure that our clients are getting the best rates available and at the same time we act as intermediary dealing directly with lenders. It is becoming clear that a major benefit of seeking finance through Lotus, on both the residential and commercial sides, is in removing difficulties our clients tend to have in dealing directly with the High Street lenders.

'No strings' solutions
A further advantage of utilising our services lies in the fact that the majority of the commercial finance we arrange is "stand alone". In other words the lenders will not make any conditions regarding the day to day Banking requirements of a business so that if clients do not want to move their Bank account, they are not obliged to do so.  

This sometimes is an added bonus in that most banks will restrict the overall level of borrowing to their customers, with the result that taking on, for example, a new commercial mortgage, may result in working capital finance being restricted to a level below the requirements of the business. Conversely a bank may decline additional borrowing for an existing client whilst another lender may be very happy to provide the finance.

Our track record
Clients that we have helped include almost all types of business premises including hotels, B&B, pubs, retail properties in both the owner occupied and buy to let sectors. Industrial units, offices and engineering workshops have all featured in our portfolio.

Residential property development borrowing facilities have been agreed for new build and individual property renovations.

Without exception our clients are impressed with our professional, quick and efficient service. As quoted by one… "Handing over the responsibility for our increased borrowing requirement to Lotus enabled me to concentrate on running my business. I do what I am good at and Lotus do what they are good at. A great combination and I saved money on the deal!"

We have placed lending with all the main High Street lenders as well as with less well known lenders who will sometimes take a broader view of lending proposals particularly in the absence of accounts for a business... "Lotus's expertise seems to be in finding the right lender and they obtained agreement on really excellent terms and conditions"

Contact us to find out how we can help you...