About Us
Who we are and what we do
Who We Are & What We Do
At Fit To Lend, we are committed to simplifying the complex and dynamic financial marketplace for SMEs and individual borrowers. With an array of services extending from commercial finance to regulated advice for personal mortgages and protection products, our mission is to ensure clients access the most suitable financial solutions with ease and confidence. In a landscape filled with challenges and opportunities, our goal is to provide clarity and support.
The foundation of Fit To Lend was laid against the backdrop of a transforming UK SME lending market, transitioning from the dominance of large banks to a broad spectrum of lenders. This shift, propelled by technological advancements, regulatory changes, and a more volatile interest rate landscape, has rendered the SME Finance sector both dynamic and fragmented. Supported by decades of experience helping SMEs raise finance, we’re well-placed to support the ever growing need for an advisory service that can navigate this complexity with independence and professionalism.
At the heart of Fit To Lend lies a depth of knowledge and experience. Managing Director, Michael Baker, has a solid background in financial services, gained through a long career working within the commercial lending industry. His understanding of financial products and services is enhanced by professional qualifications, including certifications in Mortgage Advice and Practice (CeMAP) and Advanced Commercial Lending, all accredited by the prestigious London Institute of Banking and Finance.
Fit To Lend is authorised & regulated by the Financial Conduct Authority (FCA) and holds memberships with the National Association of Commercial Finance Brokers and the Financial Intermediary & Broker Association (FIBA). These affiliations signify our adherence to the highest standards of professionalism and ethical practice in the commercial finance sector.
We specialise in property finance, and also offer a wide range of other commercial finance solutions to meet the diverse needs of the UK market. Whether it involves cashflow solutions, intricate mortgage arrangements or crafting tailored lending solutions, our expertise ensures that businesses and their owners are provided with thoughtful, customised advice.
In an ever-changing financial landscape, our commitment to keeping abreast of market trends and regulatory changes enables us to deliver relevant, informed guidance. Fit To Lend is more than just a consultancy; we are a committed partner to SMEs across the UK, dedicated to aiding their development and success through strategic financial planning and support.
Choosing Fit To Lend means partnering with a team that prioritises your financial success and stability. Our approach is defined by three key pillars: personalised service, comprehensive market knowledge, and a commitment to integrity.
Personalised Service: We understand that each business and individual has unique financial needs and objectives. Our bespoke advisory service is tailored to meet these specific requirements, ensuring that every client receives focused and attentive support throughout their financial journey.
Comprehensive Market Knowledge: With decades of industry experience and continuous market research, we are adept at navigating the complex landscape of commercial finance. Our extensive network of lenders and access to a wide range of financial products enable us to identify the most suitable solutions for our clients, whether for property finance, business loans, or personal mortgage and protection products.
Commitment to Integrity: As a member of the National Association of Commercial Finance Brokers, and the Financial Intermediary & Broker Association (FIBA), and being authorised & regulated by the Financial Conduct Authority (FCA), we uphold the highest standards of professionalism and ethical conduct. Our advice is honest, independent, and always in the best interest of our clients.
At Fit To Lend, we go beyond merely securing finance. We strive to build lasting relationships with our clients, offering ongoing support and advice as their financial needs evolve. Our goal is to be your trusted financial advisor, not just today, but for the future.
At Fit To Lend, our process is designed to be flexible, tailored to meet the varied needs of our clients, whether they seek a comprehensive advisory relationship or a more transactional service. Here’s how we guide you through the journey:
- Initial Conversation: Everything starts with a conversation. Our aim is to gain a deep understanding of your business and financial needs while addressing any queries you might have. This initial discussion allows us to share valuable insights and expertise, setting the foundation for a tailored financial solution.
- Evaluation: We take a thorough look at your financial situation, reviewing the information you’ve provided, considering your needs and objectives. This stage is crucial for us to identify and explore potential solutions that align with your goals, ensuring we move forward with options that truly fit your requirements.
- Solution Presentation: Once we’ve identified the best-matched financial solutions, we present these to you, ensuring you have a clear understanding of your options. This step is about empowering you with information and confidence to make informed decisions.
- Negotiation and Application: Leveraging our extensive expertise, we negotiate the best possible terms on your behalf and assist in crafting a compelling application that meets lender criteria. We manage the application process from start to finish, ensuring everything aligns with your financial objectives.
- Loan Coordination: Our role extends to overseeing the entire loan process, coordinating with valuers, solicitors, and lenders to guarantee a smooth and timely completion. Our meticulous attention to detail ensures that all elements of the loan process are handled efficiently, in line with your schedule.
- Celebration and Partnership: The successful completion of your loan is a moment worth celebrating. It marks the beginning of what we hope will be a lasting partnership, where we continue to support your financial goals and aspirations. Our commitment extends beyond transactions; we are dedicated to fostering enduring relationships with our clients.
Our process is designed to be adaptable, acknowledging that each client’s journey is unique. Whether you’re looking for a one-time financial solution or ongoing support, Fit To Lend is committed to providing the expertise and guidance you need to navigate the complexities of commercial finance with confidence and ease.
At Fit To Lend, your financial success is our priority. Whether you’re exploring options for property finance, seeking bespoke commercial finance solutions, or simply have a query about how we can support your business, we’re here to help.
Contact Us to start a conversation that could redefine your financial strategy and support your business growth. You can reach us through the following channels:
Email: info@fittolend.com
Phone: 020 3633 4421
We welcome the opportunity to discuss your financial needs and outline how our services can be tailored to achieve your objectives. Let’s build a partnership that supports your ambitions, guiding you towards financial solutions that truly fit.
Remember, at Fit To Lend, we’re more than just a service provider; we’re your partner in finance, committed to supporting you every step of the way.
FINANCE MADE CLEAR, SUCCESS MADE POSSIBLE
Supporting Business With Finance That Fits
Property finance products
other business finance products
YOUR PROJECT, OUR MISSION
Supporting Business With Finance That Fits
