One application form covering all finance products. Choose your product and only the relevant questions will appear.

What are you applying for? *

Unsecured Business Loan
Merchant Cash Advance
Acquisition Finance
Invoice Finance
Trade Finance
Asset Finance
Bridging Loan
BTL Mortgage
Commercial Mortgage
Development Finance
Document Upload & Consent

Choose one. The rest of the form adjusts to what you pick.

Loan Amount - Term Desired

First

Last

Applicant Name *

First

Last

Contact Number - Email Address *

First

Last

Please Upload Last 6 Months Bank Statements

Click or drag files to this area to upload. You can upload up to 6 files.

Please upload the most recent 6 months worth of business bank statements in PDF format

Last Years Filed Accounts (if available)

Click or drag a file to this area to upload.

If 1st years accounts have not been submitted, please upload up to management accounts

Applicant Details

Funding Details

Company Details

Company Name - Company Number

First

Last

Date of Incorporation / VAT Number

First

Last

Monthly Sales / Website

First

Last

Registered Address

Address Line 1

Address Line 2

City

State / Province / Region

Postal Code

Trading Address (leave blank if same as above)

Address Line 1

Address Line 2

City

State / Province / Region

Postal Code

Directors/Partners Details

Number of Directors/Partners *

Full Name *

First

Last

Phone *

Email *

3 Years Address History

D.O.B. *

Director/Partner 1 (required)

Title *

Homeowner Status *

Property Value - Outstanding Mortgage

First

Last

Director/Partner 2 (if applicable)

Title

Director/Partner 2

First

Last

3 Years Address History

Homeowner Status

Property Value - Outstanding Mortgage

First

Last

D.O.B.

Phone

Director/Partner 3 (if applicable)

Title

Director/Partner 3

First

Last

3 Years Address History

Homeowner Status

Property Value - Outstanding Mortgage

First

Last

D.O.B.

Phone

Director/Partner 4 (if applicable)

Title

Director/Partner 4

First

Last

3 Years Address History

Homeowner Status

Property Value - Outstanding Mortgage

First

Last

D.O.B.

Phone

Coronavirus impact statement (if affected) - Is the business still receiving revenue, furloughing staff? How much revenue are you expecting to receive? What are you putting in place to keep going? etc.

Please provide a paragraph on how the Coronavirus has or will affect your business in the coming months. This will help if placing your application through the CBIL Scheme.

Additional Information - Please give as much information as possible.

Late with HMRC? *

Is the business late with any HMRC or other payments? If so, please detail...

Any directors guaranteed any loans? *

Have any directors guaranteed any other loans for any other business, family or friends. If so, the total amount per director?

Involved in any liquidation *

Have any directors or shareholders been involved in any business that has been in liquidation or administration? (Lenders do NOT make a lending decision purely based on this, please let us know company name(s) or company number)

Any other info? *

If there is any other information that you feel would help us make the right decision, feel free to let us know.

Current Business Debt? (Please include lender, loan amount, balance and repayments of each) *

Does the business have any of the following outstanding: business loans, leases, hire purchases, asset finance, credit cards, invoice discount or overdrafts? If so, please provide the following information above.

Last 4 Quarters VAT Returns

Click or drag files to this area to upload. You can upload up to 4 files.

Please upload the last 4 quarters VAT returns or as many as you have submitted since starting.

Last 12 Months Management Accounts (if available)

Click or drag files to this area to upload. You can upload up to 3 files.

Please upload an up to date balance sheet, P&L and running total if available.

Authorisation *

by ticking this box and submitting this application, you authorise us to approach our panel of lenders with your proposal in order to issue you with terms. Please note we do not carry out credit searches and this application does not affect your credit rating. Our lenders may run soft searches to determine their appetite to lend, however this will not affect your credit rating.

Please upload the following docs, to allow us to process your enquiry as efficiently as possible, Thank You.

You can also email the documents to your agent if too many to upload here.

Contact Approval

I consent that Howe Commercial Finance will send me from time to time, offers or information with regards to my historical purchasing behaviours and products and services they believe may be of benefit to me and my business. I am aware that I may withdraw my consent at any time by contacting customer service on info@howecommercialfinance.co.uk. For more information on the processing of my personal data in this respect, please contact the email above. Please note that Howe Commercial Finance does not share your information with 3rd party sources other than with respect to commercial finance procurement.

How would you like us to contact you?

SMS
Email
Post

Purpose of the loan (please provide as much info as possible) *

As much information as you can provide really helps us get a positive decision.

Last 12 months turnover?

What does the business do?

Please describe your business activity in a few sentences.

Success Fee *

By ticking this box – You agree that you are one of the directors above or have the authority to agree on behalf of the director(s). You agree to pay Howe Commercial Finance, a success fee equal to 3% for funding secured between £1,000 - £256,000, 2% for funding secured between £257,000 - £506,000, 1.5% for funding secured between £507,000 - £756,000 and 1% for funding secured of £757,000 plus, secured by Howe Commercial Finance for which Howe Commercial Finance or partners was the procuring cause of the financing for a period of 12 months from the execution of this Agreement. The success fee does not include any point(s) to be paid to the lending institution, closing costs or any point(s) or fees paid to other consultants for their services. The success fee is fully earned by Howe Commercial Finance when the finance has been approved in writing by us with terms and conditions acknowledged in writing to be acceptable to you, the client. This fee will be collected on the day of draw-down of the financing. If we cannot procure your financing, there is no fee to pay.

Aged Debtor & Creditor Report

Click or drag files to this area to upload. You can upload up to 3 files.

Please upload an up to date balance sheet, P&L and running total if available.

Client Consent to Search, Success Fee & Marketing Preference

Reference *

Current Provider *

Facility Required - Term Desired

First

Last

Coronavirus impact statement (if affected)

Please provide a paragraph on how the Coronavirus has or will affect your business in the coming months. This will help if placing your application through the CBIL Scheme.

Current Lender? - Term Left on Contract?

First

Last

Cost Ex Vat/VAT

First

Last

Applicant Details *

First

Last

Contact *

First

Last

Company Name *

First

Last

Director/Partner 1 *

First

Last

Mortgage

First

Last

Mortgage

First

Last

Mortgage

First

Last

Mortgage

First

Last

Last 6 Months Business Bank Statements

Click or drag files to this area to upload. You can upload up to 3 files.

Please upload last 6 months bank statements

Choose how you want to hear from us... *

SMS
Email
Post

Description of Equipment *

Cost/Deposit

First

Last

Balance Finance/Term Required

First

Last

Equipment Supplier Name *

No. of Directors/Employees *

First

Last

When do you require the finance?

Supplier Quotation / Marketing Material

Click or drag files to this area to upload. You can upload up to 3 files.

Finance Type (please choose) *

Desired Term (in months)

Years 0

Valuation/Marketing Brochure/Home Report

Click or drag files to this area to upload. You can upload up to 3 files.

Purpose of Loan *

Purchase
Remortgage

1. New Loan Details

Loan Purpose

£ - Loan Amount *

Loan Amount

LTV *

LTV

Term Required *

Term Required

Purchase Price

Deposit Source *

Deposit Source

Refinance (if applicable)

Refinance

Current Lender

Est. Property Value(s)

Amount Outstanding

Explanation of increase in value (if applicable)

Amount of Additional Capital Being Raised (if applicable)

Detailed reason for the refinance / remortgage, inc. full breakdown

Detailed reason for the refinance, inc. full breakdown for any capital being raised (use additional info space if req.)

Original Purchase Price

Applicants

Company Name *

Home Address *

Address Line 1

Address Line 2

City

State / Province / Region

Postal Code

Country

Limited Company Registered Address *

Home Address

Address Line 1

Address Line 2

City

State / Province / Region

Postal Code

Country

If less than 3 years, please provide previous address below:

Please provide any other Directors/Shareholders with 20% or more in the additional info section.

Supporting Documentation

Please provide any documentation that may support the application including but not limited to, property valuation, rental agreements, marketing literature etc.

Comparables / Estate Agent Report

Click or drag files to this area to upload. You can upload up to 3 files.

Any other useful documentation

Click or drag files to this area to upload. You can upload up to 10 files.

Security

No. of properties being offered for security *

Please include the property(s) to be purchased (if applicable) or the property(s) to be refinanced (if applicable)

Additional Information

Full addresses of properties being offered *

Property 2

Property 5

Property 4

Property 3

Property 6

Property Use

Residential
Semi Commercial
Commercial
BTL
Land
Other

No. of storeys in block

If Flats:

No. of units to be lent on

If there is anything non-standard about the property, title or ownership please give details:

Rental Income (if applicable)

No. of tenants

Residential (AST’s) Current passing rental income generated at security from residential letting

Commercial (Leases) Current passing rental income generated at security from commercial letting

Other Income

Banking & Credit Conduct

Banking & Credit Conduct *

Please state any adverse credit details with regards to CCJs, defaults, mortgage accounts, any other credit facilities or bank account / overdraft facilities. Use Additional Info section if necessary. Please note, adverse credit does not necessarily exclude you from financing, it is better we know about it upfront, to allow us to put a narrative behind it, as we know, most businesses experience hiccups along the way:

Any planned improvements?

Details of any planned improvements, including anticipated cost of works

Has planning been granted?

Contact Number *

Does it require planning? *

Describe the project in a few sentences *

Please give as much details as possible, the info the better chance we have of funding it for you.

£ Property Value - Outstanding Mortgage *

First

Last

Borrower 1 - Name *

First

Last

Borrower 2 - Name *

First

Last

Estimated Completion Date *

Original Purchase Date

Entity of Borrower *

Entity of Borrower

Last valuation for the property

Click or drag a file to this area to upload.

Application Authorisation (required) *

by ticking this box and submitting this application, you authorise us to approach our panel of lenders with your proposal in order to issue you with terms. Please note we do not carry out credit searches and this application does not affect your credit rating. Our lenders may run soft searches to determine their appetite to lend, however this will not affect your credit rating.

Borrower Requirements

Type *

Individual/Partnership
UK Limited Company
LLP

Mortgage Purpose

Loan Amount *

Loan Amount

Interest Only *

Term *

Term

Purchase Price (if a purchase)

Estimated Completion Date *

Deposit Source (if a purchase)

Remortgages

Original Purchase Date

Limited Company Name (if applicable)

Borrower 1 - Full Name *

Borrower 2 - Full Name

Supporting Info 1

Click or drag a file to this area to upload.

Supporting Info 2

Click or drag a file to this area to upload.

Supporting Info 3

Click or drag a file to this area to upload.

Property Description *

Residential
Semi Commercial
Commercial
House
Flat
Maisonette
Retail
Leisure
HMO
Student
Office
Industrial

Rental Income

Contact Number *

Contact Number

Last valuation for the property (if applicable)

Click or drag a file to this area to upload.

Lease Agreement (if applicable)

Click or drag a file to this area to upload.

Planning Consent (if available)

Click or drag files to this area to upload. You can upload up to 2 files.

DETAILS OF THE LOAN

Loan Amount Required

Loan Term

Charge Required

GDV (Gross Development Value) *

Current Land Value *

Total Development Costs (excluding finance costs) *

Construction Costs *

Cost to Acquire Land/Purchase Price *

PRIMARY DEVELOPMENT SITE BEING USED AS SECURITY

Property Currently Owed By *

Sites Current Use *

Description of Site *

Full Address *

Build Appraisal / Schedule

Click or drag files to this area to upload. You can upload up to 2 files.

Developers CV's (if available)

Click or drag a file to this area to upload.

Any Other Supporting Info

Click or drag files to this area to upload. You can upload up to 15 files.

Marketing Term

Briefly explain the development proposition

Is refinancing of the land required?

Exit Strategy *

If yes, provide lender's name and outstanding balance:

What is the source of deposit funds? *

Provide info of any particular risks that apply to the development location, e.g. adjacent properties, site access, flood risk etc.

Tenure: *

Freehold
Leasehold

If Leasehold, unexpired term of lease:

BORROWER DETAILS

Name & Address of Company Accountant

Email Address *

Email Address

Directors Name *

First

Last

Directors Email *

Please choose your preference *

Email
SMS
Phone

Location

Document Upload (please provide as much as you can)

The more information you provide, the more likely we will be able to secure funding.

>>> Please choose your finance type <<< *

Property or Site Valuation

Click or drag files to this area to upload. You can upload up to 2 files.

Asset & Liability Statement

Click or drag files to this area to upload. You can upload up to 5 files.

Developers CV's

Click or drag files to this area to upload. You can upload up to 5 files.

Management Accounts - Up to Date P&L and Balance Sheet

Click or drag files to this area to upload. You can upload up to 5 files.

Development Cost Schedule

Click or drag files to this area to upload. You can upload up to 5 files.

12 Months Merchant Statements

Click or drag files to this area to upload. You can upload up to 2 files.

Additional Info (optional)

Success Fee *

By ticking this box – You agree that you are one of the directors above or have the authority to agree on behalf of the director(s). You agree to pay Howe Commercial Finance, a success fee equal to 1% or a minimum of £1,995, whichever is more, for any funding secured by Howe Commercial Finance for which Howe Commercial Finance was the procuring cause of the financing for a period of 12 months from the execution of this Agreement. The success fee does not include any point(s) to be paid to the lending institution, closing costs or any point(s) or fees paid to other consultants for their services. The success fee is fully earned by Howe Commercial Finance when the finance has been approved in writing by us with terms and conditions acknowledged in writing to be acceptable to you, the client. This fee will be collected on the day of draw-down of the financing.

Name

Acquisition Finance Enquiry

Applicant Details

Funding Details

Company Details

Directors/Partners Details

Director/Partner 1 (required)

Director/Partner 2 (if applicable)

Director/Partner 3 (if applicable)

Director/Partner 4 (if applicable)

Additional Information - Please give as much information as possible.

Please upload the following docs, to allow us to process your enquiry as efficiently as possible, Thank You.

Client Consent to Search, Success Fee & Marketing Preference

1. New Loan Details

Loan Purpose

Refinance (if applicable)

Applicants

Supporting Documentation

Security

Rental Income (if applicable)

Banking & Credit Conduct

Borrower Requirements

Mortgage Purpose

Remortgages

Rental Income

DETAILS OF THE LOAN

PRIMARY DEVELOPMENT SITE BEING USED AS SECURITY

BORROWER DETAILS

Document Upload (please provide as much as you can)

Additional Info (optional)

Address

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