Sapphire Growth is a growing independent commercial finance brokerage with over 20 years of business finance experience.

Being an independent finance broker, we have access to a whole market offering tailoring the right product for your business needs. Our long established relationships with an extensive panel of lenders, means we can negotiate competitive rates and terms to suit clients exact circumstances.

Customers benefit not just from our team being experienced and trained in the commercial finance arena but also because we work alongside our Sapphire Accountants colleagues, so we’re always considering a full business offering.

The Full Package

From the outset securing the best funding package is about obtaining access to the best lenders. The experts at Sapphire Growth take a whole market approach, conducting a thorough fact find to fully understand your business, we will then work with the right types of lenders, reviewing all the options. With solutions for almost every business need, we then present you with a range of solutions to aid your business.

Helping you get deals completed quickly and easily; we assign you a dedicated Manager to get to know your business and to make the application process seamless.

Clear advice

Don’t forget Sapphire Growth is just one part of the offer, and our co-workers in Sapphire Accounting are perfectly placed to advise you on how best to manage any funding in your business, from how to claim for Research & Development tax relief to understanding and planning for any tax implications down the line.

Bespoke For You

As experienced brokers we’re known for supporting customers with the best finance solutions for their exact needs. The Sapphire Growth team not only review the whole market, they create bespoke finance solutions just for you. Talking directly with lenders to leverage the best options tailored to your needs. Helping clients regardless of business size and requirements and considering both costs and debt size implications, so you’re presented with options that fit your business requirements.

Finance Broker Services

  • Commercial Mortgages – A commercial mortgage is a loan to assist in purchasing or refinancing a commercial building for either business owners or professional landlords. . Loans usually start from £25,000.
  • Bridging Finance – Designed to enable clients to release cash from land or buildings fast. Bridging finance can be arranged on a first or second charge basis and can be used to purchase or refinance assets.
  • Unsecured business loans –  Provide a cash injection into a business, giving them working capital for fast growth or better buying power. Some facilities can be turned around in a matter of days. Designed for both established business and also fairly new ventures. Facilities tend to max out at £250,000.
  • Buy to Let Purchases & Refinance – For first time and professional investors to purchase or refinance properties. A buy-to-let mortgage is a mortgage designed for people who wants to buy property as an investment, rather than as a place to live.
  • Trade & Stock Finance – Trade Finance is often said to be the world’s oldest financial product, because traders have always needed to buy goods before selling them. A Trade or Stock finance facility bridges this structural cashflow problem – helping buy goods or materials for clients so they can trade with their customers.
  • Invoice Finance (Factoring) – A invoice finance provider will lend you a certain percentage against your debtors fast instead of waiting a set amount of days to be paid. There are a range of services including managing your sales ledger and collect payment for your invoices direct from your customers to more discreet services.
  • Foreign Exchange – Foreign exchange can help you receive a better exchange rate when purchasing stock or services in a different currency, meaning you get more for your money.
  • Development Funding – designed specifically to assist with the purchase and build costs associated with a residential development project. Development funding can be used for a new build, conversion or refurbishment development project, covering a single unit through to multiple units built across a number of phases.
  • Specialist projects – We can offer a wider range of services to aid the more specialist finance requirement such as renewable energy.

The Sapphire Growth team work in collaboration with you to understand your company, your current funding and your business goals, tailoring a solution that works best for you. With the expertise of our fully qualified accountants, we can also assist with business planning and strategy. Sapphire Growth Limited is a broker not a lender and is independent with access to the whole of market. We may receive commissions that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. The Sapphire Growth team are here to help you with every aspect of Business & Commercial Finance. Contact Ciaran on 07725 614 534 to find out more.