Essex Commercial Finance

Local and National Coverage
Based in Chelmsford

01245 979100
Commercial Finance

Mon - Fri :08.30-17.30
Remote Meetings Available

Commercial Finance
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Helping Businesses fund the purchase of Offices, Land and Property for Investment

Raising Capital?
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Keeping your Business Performing with Cash Flow funded by your Assets and Invoice Value

Property Development
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Keep your Property Development Plans on-Track with the right Finance to support your Project

Growing Business ?
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With a number of Funding Options, Let us discuss your plans and show you how to raise money to expand and improve your business

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Our Service

With no ties to any individual lenders, Essex Commercial Finance can access a large range of lenders covering every aspect of commercial finance that your business might need. And the way that we work means that you have a partner with a shared goal of delivering the best possible outcome for your requirements.

Based in Chelmsford, we work with companies both locally and nationally. We help clients with a broad range of funding requirements, including but not limited to business loans, invoice finance, vehicle leasing and HP, asset finance, commercial property and development finance.

Beyond funding requirements we can add value to businesses by helping to secure Research & Development (R&D) Tax Relief to eligible firms, as well as reviewing and saving you money on Business Utilities, including broadband and mobile phones.

We are part of the Essex Home Finance Group, which is established in residential finance, protection and estate agency. FCA regulated, they completed on over £50m in residential transactions in 2019.

The team has over 60 years Financial Services experience between them, and share the ethos of putting you, the client, first. With our refined systems and comprehensive list of lenders, we are ideally placed to match you with suitable finance.

Why Use a Commercial Finance Broker?

Essex Commercial Finance shares your goal to achieve the best possible outcome for your business’s funding requirements.

We hold an initial discussion however suits you – phone call or video conference – and when safe and practical to do so again, in person.

We gather information about your finance requirements, your business’s trading performance and its assets and liabilities. We then agree the documents that would support your application – you can email these, or upload them via our secure online client portal!

Our clever tech helps us to match your finance requirements with appropriate lenders, and because we are independent we can search our whole of market lender database to provide access to the most suitable funding for your requirements.

Our role includes presenting the best case possible to ensure your best chance of success at the point of application, as well as negotiating the best rates and terms that are available to you.

Ultimately, as a business owner or director your time is valuable. Instead of contacting tens of finance providers yourself, let us do that legwork for you, and save your time and efforts for managing your business.

How We Are Paid

We treat our customers fairly and put them first. Our company ethos is to achieve the best possible outcome for your finance requirements, and to partner with you in the long term to help your company succeed with the help of the finance that we can secure for you.

The majority of lenders will pay us a fee or commission, commonly 1% of the loan amount for property and asset-based finance, but this does vary by lender and by finance product. The lender fee or commission will be clearly stated and provided to the client in the lender’s contract.

On the client receiving an actionable offer of finance we charge an admin fee to cover our costs and time achieving the offer for you – there are no up-front fees or meeting costs etc.

Our standard administration fee starts at £249, and rises to no more than £499 for property, invoice and asset-based finance, where an actionable offer can take months to achieve rather than days or weeks. We reserve the right to adjust our administration fee up to 1% of the loan value if the lender does not pay us a fee or commission for the introduction to that particular finance product.

We do not charge an administration fee to work with a client on Research & Development (R&D) Tax Relief, or on Business Utilities.

Advice From Professionals

Let Us Help You - Just Ask

Latest News

A selection of recent news, and product changes within the Commercial Lending sector

Essex Commercial Finance Limited  is a company registered in England and Wales with Company number 12610135
Registered Office : Suite 3, 8 Kingsdale Business Centre, Regina Road, Chelmsford, Essex, CM1 1PE

Data Protection Registration : ZA759800

(c) Essex Commercial Finance Limited 2020