Ten kinds of finance. One straight conversation about which you need.
We arrange finance for businesses, landlords and property investors — and just as importantly, we explain what each option costs, what it asks of you, and when to walk away.
Covering London, Birmingham, Manchester and beyond — in person, by phone or over video.
Money to trade with
For the gap between spending and being paid — the problem that closes more profitable businesses than any other.
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Most common
Business loans
A lump sum over an agreed term, secured or unsecured. For a defined cost with a defined payback.
Business loans -
For B2B
Invoice finance
Release most of an invoice the day you raise it, instead of waiting sixty days for your customer.
Invoice finance -
For importers
Trade finance
Pay suppliers, ship the goods, and settle once the stock has sold. Take the order you could not otherwise fund.
Trade finance -
For card takings
Merchant cash advance
Repay as a share of each card sale, so quiet months cost less. Fast, flexible, and rarely the cheapest — we will show you both.
Merchant cash advance
Buying, building and holding property
Owner-occupiers, investors and developers. Different lenders, different tests, very different timescales.
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Long term
Commercial mortgages
Buy the premises you trade from, or a commercial investment. The cheapest money most businesses can access.
Commercial mortgages -
Short term
Bridging finance
For auction deadlines, broken chains and property no mortgage lender will touch yet. Fast, and priced accordingly.
Bridging finance -
Build
Development finance
Ground-up builds and conversions, released in stages as the work is signed off.
Development finance -
Landlords
BTL mortgages
Buy-to-let in personal names or through a company, including HMOs and portfolios.
BTL mortgages
Buying things, and buying businesses
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Equipment
Asset finance
Vehicles, machinery and equipment paid for over their working life — or refinanced to release cash you already own.
Asset finance -
Deals
Acquisition finance
Buying a business, a competitor or a departing partner’s shares, structured so it does not empty your own company.
Acquisition finance
Most people arrive describing a problem, not a product
"We have won a contract but cannot fund the stock." "The landlord is selling and we would rather buy it." "We are owed sixty grand and payroll is Friday." Those are the conversations we have, and the product comes out of them rather than the other way round.
If you are not sure which of the ten above fits, it does not matter. Tell us the situation and we will tell you the options — including when the honest answer is that borrowing is not the right move.
The same five steps, whichever finance you need
Nothing happens without your say-so, and no credit is searched while we are still talking things through.
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01
Tell us what you need
A short, no-pressure conversation. Call, WhatsApp or book a time that suits you — evenings included.
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02
We understand your circumstances
Your trading history, your plans, your credit position. The full picture, not a form.
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03
We explore suitable options
We compare what is realistically available to you and rule out what is not.
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04
We guide you through the process
Paperwork, lender questions, timelines. You always know what happens next.
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05
You move forward with confidence
Funds in place, terms you understand, and someone to call when things change.
How we get paid — before you ask
Most of the time, the lender pays us a commission when a case completes. In some cases a broker fee applies instead, or as well. Either way you will be told the amount and the basis in writing before you commit to anything.
We do not charge for the initial conversation, and we do not charge for telling you that borrowing is a bad idea right now.
What that means for you
- The first conversation is free, however long it takes
- Nothing is charged for telling you that borrowing is the wrong move
- If a broker fee applies, you get the amount and the reason in writing before you commit
- Ask what a lender is paying us on your case and we will tell you
- No fee is ever taken before an offer is on the table
Read first, decide later
No enquiry form required.
Let’s find the right financial solution for you.
Tell us what you need and we will point you at the right option — including the option of doing nothing.
Or email info@nemekfinance.co.uk · Call 07483 159369
No obligation, no credit check to talk, and a straight answer if finance is not the right move.