25/09/2026
Going directly to one lender may feel like the simplest route when you need commercial finance.
But it does mean you are only seeing one lender’s view of your business.
Different banks and lenders have very different appetites when it comes to sectors, loan-to-values, repayment structures, security, pricing and overall credit approach.
That can make a significant difference, particularly on larger commercial borrowing.
My role isn’t simply to find a lender that will say yes.
It’s to look at the wider picture, understand what you are trying to achieve, compare the options available and work out which structure makes the most commercial sense.
Sometimes the right answer is your existing bank.
Sometimes it isn’t.
And with borrowing costs still very relevant to businesses, even relatively small differences in rate, fees or structure can become very significant over the lifetime of a facility.
I spent many years working inside commercial banking before moving into broking, so I’ve seen the process from both sides of the desk.
My advice is simple: before committing to one lender, understand what your options are.
That conversation could be more valuable than you think.
