ASC Finance for Business

ASC Finance for Business Helping you secure the funding you need to seize opportunities, drive growth, and realise your business ambitions.

A bank saying no doesn't have to be the end of the road. Short trading history, complex ownership, accounts that don't ...
27/08/2026

A bank saying no doesn't have to be the end of the road.

Short trading history, complex ownership, accounts that don't tell the full story, tight timeframes, or unusual security, none of these mean a business isn't lendable. They just mean the mainstream route isn't the right fit for that particular transaction.

In our latest blog, we look at five common reasons banks decline finance applications, and why the right broker can often still find a way through.

Read more on our blog: https://asc.co.uk/knowledge-hub/why-your-bank-saying-no-isnt-the-end-of-the-road/

This smiley chap is our local expert, Philip Thompson. Phil helps businesses across Northamptonshire, Warwickshire, and...
26/08/2026

This smiley chap is our local expert, Philip Thompson.

Phil helps businesses across Northamptonshire, Warwickshire, and Buckinghamshire secure the finance they need to grow, invest in property, or fund an acquisition, without unnecessary stress.

Having run a business himself, Phil understands the pressures business owners face day to day. He takes the time to understand your goals before connecting you with the right lenders and terms, whatever your industry. From commercial loans to working capital to development finance, you'll deal with Phil personally from first enquiry through to loan offer, with clear communication at every stage.

Based out of Greatworth Hall Business Centre, Phil is ready to help businesses in the region find the right funding solution.

We've received lots of five-star feedback from clients across the country this month. "As ever this gang is great. Four...
25/08/2026

We've received lots of five-star feedback from clients across the country this month.

"As ever this gang is great. Fourth BTL project now. Always straight forward, informative, friendly and realistic. A pleasure to deal with and always go the extra mile." – Sussex

"Many thanks for your help advice and general understanding of my debt issues and the competent way in which you have helped me. I shall of course be very vocal in spreading the word as to your competence." – Leicestershire & Nottinghamshire

"Alex and his team were a pleasure to work with. They assessed and advised in great time, securing us with an excellent mortgage deal which has saved a small fortune. Recommend 100%." – Kent

"A business friend of mine recommended ASC Finance to me following some issues I had with other finance companies. From the initial discussions I had with John Fuchs it was clear I was dealing with an organisation that understood my requirements and how to fulfil my aspirations. With Lou providing support ASC met my financial requirements in a timely manner. I shall return as and when I need their support again." – Leicestershire & Nottinghamshire

Whatever the challenge, our teams are here to help. Thank you all for the kind words.

Nearly a fifth of UK commercial property loans are due to mature this year, £33 billion worth, in a market that looks ve...
20/08/2026

Nearly a fifth of UK commercial property loans are due to mature this year, £33 billion worth, in a market that looks very different to a few years ago.

Bank market share is down from 40% to 36%, while debt funds and alternative lenders have grown their share from 12% to 28%. More options exist for owners refinancing this year, but comparing them takes more work.

In our latest blog, we look at what this shift means for commercial property owners and why starting the refinancing process early makes a real difference.

Read more on our blog: https://asc.co.uk/knowledge-hub/what-the-2026-refinancing-wave-means-for-commercial-property-owners/

ASC Devon recently helped secure £175,000 for the purchase of a freehold pub Despite a short completion timeframe and p...
19/08/2026

ASC Devon recently helped secure £175,000 for the purchase of a freehold pub

Despite a short completion timeframe and poor accounts, we got it over the line and secured the funds needed to complete the purchase within the required timeframe.

This success story is a good reminder that a lender's rejection, or accounts that look tricky on paper, aren't always the end of the road. The right broker knows how to present the full picture. Cheers!

Your client's bank said no. That doesn't always mean the answer is no. There are many reasons a mainstream bank might d...
18/08/2026

Your client's bank said no. That doesn't always mean the answer is no.

There are many reasons a mainstream bank might decline a case, such as a short trading history, a complex ownership structure, accounts that don't tell the full story, a tight completion timeframe, or security that doesn't fit a standard lending box. None of these reasons is an automatic dead end.

Swipe through for 5 common reasons banks say no, and where a specialist broker can often still find a way through.

If a client's finance application has been turned down, it's worth a conversation before writing it off.

When timing matters, it matters, as you can see from these five-star client reviews. "These guys make it happen. Finance...
13/08/2026

When timing matters, it matters, as you can see from these five-star client reviews.

"These guys make it happen. Finance for a large commercial building secured and completed all within the timescale required. Will absolutely use again." – Sussex client

"Fantastic service throughout my commercial mortgage application. Great communication, professional advice, and everything was handled efficiently. Highly recommend! Anthony did a great job. Thank you!" – Devon client

Two different deals, two happy clients, and one theme – getting it done properly and on time.

A first-time developer can struggle to get a fair hearing from a mainstream lender, regardless of the plan’s viability. ...
12/08/2026

A first-time developer can struggle to get a fair hearing from a mainstream lender, regardless of the plan’s viability.

ASC Cornwall recently helped a first-time developer secure £455,000 to purchase land for a residential scheme comprising a five-bed detached house and a three-bed bungalow. With no track record, this is exactly the kind of case a bank is likely to turn down, regardless of how solid the numbers look.

But we were able to secure the funding needed, working with a lender who looked beyond the lack of history to the strength of the plan itself.

Getting the right finance structured early doesn't just fund the project; it's often the difference between a first-time developer getting started at all and not.

Nearly a fifth of UK commercial property loans are due to mature this year. The latest Bayes Business School review put...
11/08/2026

Nearly a fifth of UK commercial property loans are due to mature this year.

The latest Bayes Business School review puts the figure at around £33 billion, roughly 19% of all outstanding commercial real estate debt. With UK banks having pulled back (their share has fallen from 40% to 36%) and debt funds (private investment funds that lend directly to businesses, rather than taking deposits like a bank) and other alternative lenders stepping in, refinancing in 2026 looks very different to just a few years ago.

If your loan is coming up for renewal, the lending landscape you refinance into may be very different now. More options exist, but comparing them is more complex.

If refinancing is on your radar this year, it's worth having that conversation early. Our tried-and-tested panel of alternative lenders means we can introduce you to the right funding partner for your situation, whatever that looks like.

Some of the best feedback comes from clients who keep coming back. Here's what two repeat clients of ASC Cornwall have t...
06/08/2026

Some of the best feedback comes from clients who keep coming back. Here's what two repeat clients of ASC Cornwall have to say:

"We have worked with Conrad and his team on a number of finance projects over the past few years and the service has always been excellent. Very thoughtful and patient finding the right finance house and product for our needs each time, and always taking the time to explain not just the options but all the minutiae that is so important with these arrangements. The whole team work together seamlessly. Thoroughly recommend ASC Finance Truro - they make business happen!"

"Absolutely first class throughout a variety of issues presented, Anthony and Conrad along with rest of team have been available by email or phone 100% of the time with support, patience and expertise to help me with refinancing complex project with various options for my chosen path. It's repeat business between us and no problems with either project."

Repeat business is the best kind of review.

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