What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

BIZL

We connect businesses looking to fund growth with lenders that have the vision to help them succeed. We help businesses go further.

We believe in entrepreneurs who dream big and want to do more. We're a credit broker, not a lender. BIZL helps you compare business finance online for free. Apply in 5 minutes and receive indicative offers in 48 hours.

05/11/2026

Buying an HMO? There’s more to consider than whether the numbers stack up.

Planning rules and licensing requirements can have a big bearing on a potential deal, so it’s worth doing your homework early.

That’s why we’ve built a free HMO Property Checker to give landlords a simple place to start.

Pop in the property details, see what you need to consider, and go into the deal better informed.

Try the free HMO Property Checker and let us know what you think.

https://bizl.co/funding/hmo-mortgages/

What do you check first when looking at a potential HMO?

04/11/2026

Tony finds a way to raise £165,000 for a property investor

Tony recently helped a property investor raise £165,000 by refinancing a semi-commercial property.

The deal:
• Property value: £220,000
• Existing mortgage: £77,000
• Refinance: £165,000 at 75% LTV

But the interesting part is that this wasn’t the property Tony originally planned to refinance.

The initial plan involved another property in the client’s portfolio, which was being used for supported-living accommodation and had C2 planning in place.
That created complications. Tony explored specialist options, but the small size of the loan required meant the available routes weren’t suitable.

So, rather than stopping there, Tony took a step back and looked at the client’s wider portfolio.

That’s where the semi-commercial property came in.

Tony found a way to refinance this property instead, raising the £165,000 the client needed.

It wasn’t completely straightforward. Fire-safety issues created another hurdle along the way, but the deal ultimately completed, allowing the client to raise the funds they needed.

Sometimes the property you start with isn’t the one that provides the solution.
Got a property finance challenge that needs a different approach? Speak to the BIZL team.

29/10/2026

It’s not just about knowing lenders. It’s about building relationships with them.

We recently had Simon from Moda Mortgages visit the BIZL team to give us an update on their offering.

Moda specialises in buy-to-let mortgages, giving us another avenue to explore when we're looking at options for our property investor clients.

Visits like Simon’s matter.

They help us stay connected with lenders, understand their offering and, most importantly, give our clients more options when it comes to finding the right finance.

Thanks for coming in, Simon!

Got a buy-to-let deal you’d like us to look at? Let’s talk.

22/10/2026

Josh is currently helping a growing construction business in East London secure the funding needed to move into a larger office space.

More room. More opportunity. More growth.

What could your business achieve with the right funding behind it?

21/10/2026

Nimish recently helped a client refinance two semi-commercial investment properties in Watford, securing a £967,000 facility and raising additional capital against the properties.

The portfolio consisted of a semi-commercial property with a commercial unit and a 6-bed HMO above, alongside a second semi-commercial property comprising a commercial unit with a 2-bed flat above. Given the mixed-use nature of the assets, it was important to identify a lender that understood the security and could support the client's objectives.

One of the key reasons this transaction progressed so smoothly was the client's preparation. Having all the necessary information and documentation available from the outset allowed Nimish to present a strong application, secure approval quickly, and keep the process moving.

By pairing the client with the right funding structure, the refinance and capital raise completed from enquiry to completion in just six weeks.

The result:
• £967,000 refinance and capital raise completed
• 73% LTV achieved
• 6.99% fixed for 5 years
• Interest only payment
• Completed in 6 weeks

This transaction demonstrates how preparation, a clear funding strategy, and effective lender selection can help clients raise additional capital from their property portfolio whilst securing a long-term funding solution.

Well done to Nimish, who managed the transaction from start to finish and delivered an excellent outcome for his client.

15/10/2026

We've all heard the phrase "cash is king", and when it comes to running a business, it's absolutely true. Sales and profit are important, but without cash available to fund day-to-day operations, even successful businesses can feel the pressure.

Whether your cash is tied up in stock, unpaid invoices, or rising costs, improving your working capital can give your business greater flexibility and support future growth.

Here are five practical ways to strengthen your working capital:

• Review your expenses – identify unnecessary subscriptions, services, and overheads that can be reduced or removed.
• Negotiate longer payment terms – if possible, agree extended terms with suppliers to keep cash in your business for longer.
• Reduce excess stock – holding too much inventory ties up valuable cash that could be used elsewhere.
• Get paid faster – invoice promptly, automate payment reminders, and stay on top of outstanding invoices.
• Use funding strategically – solutions such as invoice finance, trade finance, and asset finance can help improve cash flow while supporting growth.

Working capital isn't just about staying afloat. It's about creating the financial flexibility to invest in opportunities, manage challenges, and grow with confidence.

What's the biggest challenge affecting your cash flow right now: late payments, excess stock, or rising costs?

14/10/2026

Under the Government's proposed changes, the minimum EPC requirement for rental properties is expected to increase from E to C by October 2030. Whilst there is still time to prepare, many property owners are already reviewing their portfolios to understand the potential implications.

For owners of older properties, this could mean investment in:
• Insulation and building fabric improvements
• More efficient heating and cooling systems
• Upgraded lighting and controls
• Renewable energy solutions where appropriate

The challenge isn't just the cost of the works themselves.

Many landlords are also considering:

• How EPC ratings may affect future property values
• Whether tenants will increasingly favour more energy-efficient buildings
• The potential impact on refinancing and lender appetite
• Whether improvements should be completed sooner rather than later

For some, it's simply a compliance issue.

For others, it's an opportunity to future-proof an asset, reduce running costs and improve its long-term attractiveness to occupiers.

With October 2030 now less than four years away, we're expecting energy performance to become an increasingly important part of commercial property discussions.

Are EPC requirements influencing your investment or property strategy yet, or is it still too far down the road?

08/10/2026

One of the most rewarding things about this job is helping clients find a property that genuinely fits where their business is heading.

Our client runs a well-established construction and infrastructure business with around £20m turnover and 200 employees. They weren't looking for just a bigger office. They wanted a property that would support future growth whilst also generating rental income.

After an 18-month search, Josh helped the client secure the right opportunity: a £1.85m office property in Essex, acquired through an OpCo/PropCo structure to combine owner occupation with investment income.

The funding wasn't straightforward. Construction isn't a sector every lender is comfortable with, and during the transaction we hit a roadblock when one of the original lending conditions could no longer be satisfied.
Working closely with the lender, we negotiated revised terms and kept the deal moving.

The result:
• £1.85m office acquisition completed
• £1.36m commercial mortgage arranged over 15 years
• OpCo/PropCo structure
• Owner occupation combined with investment income
• A long-term home secured for a growing business

A great outcome for the client and another reminder that the right lender can be just as important as the right property when a deal becomes complicated.
Well done to Josh , who supported our client throughout their property search and played a key role in helping them find a property that matched their long-term growth ambitions.

07/10/2026

When a business reaches the point where it needs additional premises to support its growth, securing the right funding can be a key part of the journey.

We were recently approached to arrange funding for the purchase of a freehold semi-commercial property in Nottingham, providing office space for a growing social care business as it continued to expand its operations.

The funding requirement included:
• Purchase price: £215,000
• Loan amount: £161,250
• Freehold semi-commercial property
• Owner-occupied office space
• Residential accommodation above to support social housing provision

As with many commercial property transactions, the process required careful coordination to ensure everything progressed smoothly from application through to completion.

A special mention to Pratik, who worked closely with all parties involved and remained focused on delivering the right outcome for the client.

At BIZL, we're proud to support growing businesses with the funding solutions they need to invest in their future and achieve their long-term goals.

Have you considered purchasing your own business premises rather than continuing to rent?

01/10/2026

Meet Chantal

If you've ever met Chantal, chances are you've experienced her warmth, positivity and ability to make people feel comfortable from the very first conversation.

Chantal began her career as a Junior Broker for a fine w**e investment company before spending 8 years as a Member Lending Specialist at Freedom Credit Union. During that time, she helped individuals and families navigate their financial journeys with confidence, building a strong foundation in consumer lending and client relationship management.

What sets Chantal apart is her natural ability to build meaningful relationships. Approachable, charismatic and genuinely people focused, she enjoys connecting with others and creating lasting professional relationships. As an active member of BNI, she is passionate about networking and meeting new people. Known for her infectious smile, many would say you can hear it through the phone before you even meet her.

Outside of work, Chantal enjoys travelling, keeping up with the financial markets and discovering new restaurants. She also loves journalling, dancing, singing karaoke and spending quality time with friends and family. Whatever she's doing, she brings the same enthusiasm and energy that she's known for in the office.

We're delighted to have Chantal as part of the BIZL team, supporting our clients with dedication, professionalism and a genuine people first approach.

Address

Notcutt House, 36 Southwark Bridge Road
London
SE19EU

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://bizl.co/

Alerts

Be the first to know and let us send you an email when BIZL posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.