Fit To Lend

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  • 020 3633 4421
  • info@fittolend.com

Supporting Business With Finance That Fits

Your final stop for commercial finance

Who we are and how we work

Supporting Business With Finance That Fits

Lenders Available On Our Panel
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Years Experience in Commercial Finance
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Steps To Reach Your Funding Goals
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We have access to the UK’s premier panel of over 300 lenders, offering a comprehensive range of solutions. With over two decades of experience in Commercial Finance, we are committed to supporting our clients at every stage.

Lenders Available On Our Panel
0 +
Years Experience In Commercial Finance
0 +
Steps To Reach Your Funding Goals
0

financial sense

We charge our commercial finance clients a transparent and fair fee of 0.5%. By leveraging our lender relationships and cutting-edge database systems, along with our up-to-date and extensive market knowledge, we negotiate the best possible terms for our clients. Therefore, using Fit To Lend makes perfect financial sense.

authorised & Regulated

We are members of the National Association of Commercial Finance Brokers (NACFB), and we are authorised and regulated by the Financial Conduct Authority (FCA). We are committed to upholding the highest ethical and professional standards in the industry. When you choose Fit To Lend, you’re choosing a partner that operates with integrity, transparency, and expertise.

save time

The commercial finance landscape is vast and ever changing, with numerous lenders each offering unique terms and conditions. For SMEs, navigating this maze and assessing the best options can be a time-consuming diversion from core activities. Fit To Lend clients save valuable time. We handle the research, assessment, negotiation, and delivery, you focus on what you do best: running your business.

Trusted expertise

With over 20 years of experience in the commercial finance sector, working closely with SMEs and business owners to understand their unique needs, and to match those needs with the most suitable financial solutions. When you choose Fit To Lend, you’ll be supported by  a depth of knowledge & experience. This ensures that the right solution is identified and that a compelling case is presented to lenders in support of your application.

YOUR PROJECT, OUR MISSION

Supporting Business With Finance That Fits

Property finance products

Bridge Finance

Owner Occupier Commercial Mortgage

Commercial Property Investment Finance

Semi-Commercial Property Investment Finance

Property Development Finance

Property Refurbishment Finance

Buy To Let Mortgages

Property Portfolio Finance

HMO Finance

Multi-Unit Freehold Block Finance (MUFB)

other business finance products

Customer Credit Terms Support

Bridge Finance

Asset Finance

Invoice Finance

Cashier offering POS terminal for payment with credit card.

Merchant Cash Advance

Invoice Payment Spreading

Unsecured Business Loan

WORKING WITH LENDERS, FOR BORROWERS

Supporting Business With Finance That Fits

Get in touch

Get in touch

EXPERT EVALUATION, EFFECTIVE EXECUTION

Supporting Business With Finance That Fits

Purpose-Driven Solutions

property development

Ground-Up Development Project
Funding for projects Ground-Up New-Build projects
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Flatted Development Project
Funding for the development apartment buildings or complexes of any size.
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Heavy Refurbishment Project
Funding for substantial renovation work, often including structural changes.
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Light Refurbishment Project
Funding for minor, often cosmetic, renovation work.
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Commercial to Residential Project
Funding for converting commercial sites, potentially offices or warehouses, into residential units.
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Brownfield Redevelopment Project
Funding for developing on previously used land, like industrial or commercial sites.
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Greenfield Development Project
Funding for construction on undeveloped, greenfield land, e.g. farmland
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Mixed-Use Development Project
Funding for combined residential, commercial spaces.
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Eco-Friendly Development Project
Funding for sustainability-focused and environmentally friendly projects.
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Heritage Restoration Project
Funding for restoring buildings of historical significance.
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Luxury Development Project
Funding for high-end property developments with premium features.
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Student Accommodation Project
Funding for developing housing specifically for university students."
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Build to Rent Project
Funding for developments designed specifically for the rental market.
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Commercial Development Project
Funding for developing commercial properties like offices and shops.
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Property Investment

Serviced Offices Investment
Funding to support investment in office units let on short leases or licenses, ideal for flexible workspace solutions.
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Warehousing and Logistics Investment
Funding for investment in warehousing and logistics spaces, catering to storage, distribution, and supply chain needs.
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Mixed-Use Property Investment
Funding for investment in properties combining residential, commercial, and/or industrial spaces.
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Small Retail Investment
Funding to support investment in smaller retail spaces, suitable for boutique shops and local businesses.
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Large Retail Investment
Funding for investing in larger retail spaces like shopping centers and department stores.
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Purpose-Built Student Accommodation
Funding for investing in accommodation specifically designed for university students.
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HMO (Houses in Multiple Occupation)
Funding for investment in properties rented out to multiple tenants sharing facilities.
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Holiday Let Investment
Funding to support investment in properties used for short-term holiday rentals.
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Standard Residential Investment
Funding for investing in standard residential properties for long-term tenancies.
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Buy to Let Investment
Funding for buying properties to rent out, offering a regular income and potential capital growth.
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Luxury Residential Investment
Funding for investing in high-end residential properties with premium features.
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Social Housing Investment
Funding for investment in affordable housing for social housing purposes.
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MUFB (Multi-Unit Freehold Block)
Funding for investing in properties consisting of multiple self-contained units under one freehold title.
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Mixed Portfolios
Funding for investment in diverse property portfolios that include a mix of property types.
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asset purchase

Vehicle Finance
From a single company car to an entire fleet, ensure your business stays on the move
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Computer Equipment
A single device, kitting out a new office, or renewing devices for a whole team.
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Agricultural Machinery
From tractors to combines, irrigation systems to greenhouses, empower your farming operations with the latest machinery.
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Plant Machinery
Equip your projects with the best. From excavators to cranes, loaders to pavers, ensure timely completion with top-tier machinery.
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Own trading property

retail
From a single company car to an entire fleet, ensure your business stays on the move
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healthcare
A single device, kitting out a new office, or renewing devices for a whole team.
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Hospitality & leisure
A single device, kitting out a new office, or renewing devices for a whole team.
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Industrial
A single device, kitting out a new office, or renewing devices for a whole team.
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Bridging Finance
Funding to bridge short/ medium term needs, typically up to 3 years, aiding transactions with delayed returns, seizing sudden opportunities, or financing properties before securing long-term loans.
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Support for cashflow

Spreading bill/ invoice payments
Funding to help spread the cost of large invoices, enhancing cash flow and budgeting, aidng financial stability and meeting payment obligations.
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funding tax payments
Funding for businesses to efficiently manage and finance their tax payments, ensuring timely compliance without impacting cash flow.
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stocking up
Funding for businesses to boost stock levels, enabling them to meet diverse operational needs, including demand surges, strategic inventory buildup, and market expansion strategies.
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Leveraging debtors
Funding for businesses to access capital based on their outstanding invoices, enhancing cash flow and working capital management, providing facilities that can grow in-line with a growing business.
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Credit terms support
Solutions to ease the strain on cashflow that can arise when there is a need to offer customer extended payment terms.
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Other business activity

Export
Funding for businesses looking to expand their market reach internationally through export.
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Marketing campaign
Funding for creating and executing marketing campaigns to enhance brand visibility and customer reach.
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New Product Range
Funding for developing and launching new product lines, fostering innovation and growth.
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Technology and Automation
Funding for businesses to invest in advanced technology and automation systems, enhancing operational efficiency, productivity, and competitiveness in the market.
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Research and Development
Funding for businesses to engage in research and development activities, fostering innovation, developing new products or services, and gaining a competitive edge in their industry.
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Human Resources
Funding for human resource initiatives including recruitment, training, and employee engagement programs.
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expanding the team
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Management Buyout
Funding for management teams to facilitate the acquisition of their company, enabling a smooth transition of ownership and continued business growth.
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Financial difficulties
Funding for businesses facing financial challenges, providing vital support for restructuring, stabilizing cash flow, and aiding in recovery efforts.
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Debt Restructuring
Funding for businesses to reorganize their debt arrangements, enhancing financial stability and liquidity, and creating a more manageable debt repayment structure.
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Bridging Finance
Funding for short-term financial needs to bridge gaps in cash flow or pending receipt of funds.
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Business Expansion
Funding for businesses aiming to expand, whether through entering new markets, increasing production capacity, or enhancing service offerings, to drive growth and scale operations.
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Employee Training
Funding for training programs to enhance employee skills and productivity.
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Mergers and Acquisitions
Funding for businesses undergoing mergers or acquisitions, facilitating growth and market expansion.
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FINANCE MADE CLEAR, SUCCESS MADE POSSIBLE

Supporting Business With Finance That Fits

News, Views & Finance Clues

Gen Z’s Bold Leap into Entrepreneurship: Insights from Lloyds Bank

Unveiling the entrepreneurial spirit of Gen Z in the UK: A surge in young innovators driven by autonomy, passion, and resilience, poised to redefine the business landscape.........

COVID Relief: Bittersweet Results

Revealing a stark contrast within COVID-19 financial aid, new data unveils £1.84 billion in suspected fraud amidst £76.98 billion provided to UK businesses. This alarming figure underscores the challenges of managing emergency support schemes effectively, while also spotlighting the resilience of businesses navigating through the pandemic's economic turmoil.........

BTL Mortgage Shift

Adapting to Change: With rising interest rates reshaping the buy-to-let mortgage scene, explore how innovative lending solutions are helping landlords navigate affordability challenges and investment opportunities effectively.........
Cashier offering POS terminal for payment with credit card.

Contactless Surge

Embracing the future of transactions, a Barclays report reveals a staggering 93.4% of UK in-store purchases under £100 are now contactlessly made. This shift, marked by a notable rise in average spend per user and broadening across all age groups, signals a robust move towards digital convenience and security in spending. Discover how the UK is tapping into the speed and ease of modern payments.........

Chinese EVs arrive in Europe

The arrival of 7,000 Chinese EVs in Europe, aboard Explorer No 1, signifies a shift in the global auto industry and economic landscape.........
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The UK’s Leap Towards AI Mastery

The UK's AI surge could add £520 billion to the economy by 2030. Challenges like the digital skills gap remain, necessitating investment in training.........

Manufacturing output stabilises but orders remain subdued

UK manufacturing shows resilience with steady production and cautious optimism for growth, despite challenges. Explore the nuanced CBI survey findings and future outlook.........

The London E-Business Support Programme

The London E-Business Support Programme, funded by the UK government and led by Business for London, offers digital support to enhance SMEs' online operations, covering SEO, e-commerce, and cyber-security.........

London’s Housing Challenge

London faces a housing crisis with over 60,000 homes under-delivered. Expert report calls for streamlined policies to unlock housing potential, urging action for a sustainable future.........

UK Construction: 2024 Outlook

Entering 2024, the UK construction industry faces economic and geopolitical challenges, including high interest rates and inflation. Despite these hurdles, there's optimism for more tender opportunities, aided by AI innovations and a labor market adjusting to skill and diversity needs amidst wage and material cost pressures.........

UK Truck Registrations Rise

Exploring the 13.5% surge in UK truck registrations for 2023, the move towards sustainable transport is clear. With a tripled uptake in zero-emission HGVs, the push for a greener future in trucking gains momentum, despite infrastructural challenges.........

Opportunities for SME House Builders

The UK's housing market struggles with a home under-supply, worsened by rising interest rates in 2023. Recent shifts toward lower rates and competitive mortgages offer hope, particularly for SME housebuilders, despite larger builders limiting new projects to sustain prices.........

Remote Work: Pros and Cons for Businesses and Staff

Unlocking the Potential of Remote Work: Opportunities, Challenges, and the Path Forward. Explore the evolving world of remote work in 2024. #RemoteWork #FutureOfWork"........

EVs in SME Fleets: A Strategic Shift

The move to electric vehicles (EVs) offers SMEs a chance to cut emissions and costs, despite initial investments and adapting to new tech. The UK's £2 billion support for zero-emission transitions by 2035, including grants for EVs and charge points, aids SMEs in integrating EVs, enhancing sustainability, and meeting future regulations.........

AI in SMEs: 2024’s Transformative Tech

In 2024, the integration of Artificial Intelligence (AI) in business operations has become essential for Small and Medium-sized Enterprises (SMEs) aiming to stay competitive. This technology not only enhances operational efficiency but also reshapes decision-making processes, opening new avenues for growth and innovation.........

Supply Chain Resilience for SMEs

With growing concerns about potential disruptions to global supply chains, as highlighted by the Red Sea crisis and ongoing geopolitical tensions, SMEs in the UK face significant challenges in maintaining smooth operations.........
Close up businessman hand moving the king in a chess game for win.

Conveyancing in the UK: A Systemic Issue?

The UK conveyancing system, integral to property transactions, is often viewed by many stakeholders as falling short of expectations, particularly regarding speed. While it's clear the system is evolving, the pace of change has been a point of concern for many.........
Small business. Female florist in flower shop.

Property Assets Not Required

Get the right financing for your business without property security. Learn about alternative options like Invoice Financing, Merchant Cash Advances, Unsecured Business Loans, Business Credit Cards, and Invoice Splitting in this blog.........

useful tools & links

Basic

Loan Calculator

Advanced Loan

Calculator Download

Property Market

Data

New-Build

Project Review

Refurbishment

Project Review

SDLT

Calculator

Latest UK Inflation

And Pricing

Cyber

Security Guide

Base Rate

Forecast

Planning Permission

And Building Regs

financial sense

We charge our commercial finance clients a transparent and fair fee of 0.5%. By leveraging our lender relationships and cutting-edge database systems, along with our up-to-date and extensive market knowledge, we negotiate the best possible terms for our clients. Therefore, using Fit To Lend makes perfect financial sense.

authorised & Regulated

We are members of the National Association of Commercial Finance Brokers (NACFB), and we are authorised and regulated by the Financial Conduct Authority (FCA). We are committed to upholding the highest ethical and professional standards in the industry. When you choose Fit To Lend, you’re choosing a partner that operates with integrity, transparency, and expertise.

save time

The commercial finance landscape is vast and ever changing, with numerous lenders each offering unique terms and conditions. For SMEs, navigating this maze and assessing the best options can be a time-consuming diversion from core activities. Fit To Lend clients save valuable time. We handle the research, assessment, negotiation, and delivery, you focus on what you do best: running your business.

Trusted expertise

With over 20 years of experience in the commercial finance sector, working closely with SMEs and business owners to understand their unique needs, and to match those needs with the most suitable financial solutions. When you choose Fit To Lend, you’ll be supported by  a depth of knowledge & experience. This ensures that the right solution is identified and that a compelling case is presented to lenders in support of your application.

Supporting business with Finance That Fits

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Location

20-22 Wenlock Road, London N1 7GU
Tel: 020-3633-4421

WORKING HOURS

Monday – Friday
09:00 am – 05:30 pm
Saturday – Sunday – Closed

Quick Links

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Terms & Conditions

Data Protection Statement

Fit To Lend and Fit To Lend Financial Services are trading names of Fit To Lend Financial Services Ltd (company number: 14430436) registered at 20-22 Wenlock Road, London N1 7GU. Fit To Lend Financial Services Ltd (FRN: 987751) is a credit broker and appointed representative of White Rose Finance Group Limited (FRN: 630772) authorised and regulated by the Financial Conduct Authority. We comply fully with the General Data Protection Regulations (GDPR) 2018 and all client data and information provided to us will be managed, processed and kept secure in accordance with the GDPR. Please make borrowing decisions carefully, property or other assets offered as security may be at risk if you cannot keep up with repayments.