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Alongside delivering professional support for our clients and introducing partners, Omega have strong relationships with lenders to such an extent we’re able to deliver terms and deals that aren’t readily available direct, providing increased loan to value ratios, including against business valuations and also at reduced costs through lower interest rates or in some cases waived lender fees.

Assessing Client requirements and Businesses on a Case-by-Case Basis

The reason we encourage early conversations with clients because no two businesses are the same even when they are in the same sector. It is not just that the business is unique, the reason for the finance will be specific to that client. There will also be variations in assets, cashflow and other expenses to consider. Over three decades in the commercial finance space gives us a knowledge base coupled with long term lender relationships that work in our clients’ favour.

It’s this experience that gives the Omega team the expertise to structure deals in a way that makes sense to the lenders and ensure success. 

Veterinary Practice – Partner Buy Out

• 90% facility against full Business Valuation.
• 65% over Bank Base Rate

The property value only forming a small part of the advised £3,000,000+ valuation, the majority tied up in the trading business goodwill value.

Accessing finance on that basis enabled the client to secure favourable terms that would not have been available if the loan was based purely on the asset.

Northern Ireland Financial Services

Support to our partner networks is UK wide and we have also recently secured terms for clients in Northern Ireland: 

Commercial mortgage to support a Northen Ireland based Financial Services company, looking to secure new premises to continue their business growth plan.

• Debt arranged at 75% loan to purchase price

Secured Loan to support refinance of existing Business Debt.

A secured loan was utilised to refinance a short-term debt arrangement over an extended repayment profile, reducing the monthly liability to the business and thereby instantly improving cashflow both today and over the next 6 years. This allowed the business to look to reinvesting that additional cash saving further enhancing the business itself.

Other recent Secured Loan cases structured in support of:

• Business purchases and acquisitions
• Deposits for new property investments
• Raising capital for wider development activity
• Management Buyouts (MBOs) & Management Buy-Ins (MBIs)

From bridging loans in the case of delayed sales, refinancing existing transactions and preventing time sensitive opportunities from being lost due to delays. There is not much we don’t see!

Having access to a broad range of lenders means we can negotiate terms that align with the client’s strategy. This enables them to maximise return and reduce monthly costs, structuring loans to support long-term growth and help cash flow.

It’s not all about the terms we deliver, our introducing partners and clients work with us because of the professional support and back up we offer beyond the terms. This provides confidence, to go and win more business, look to invest in new opportunities or simply know they have an expert partner available to them for free initial advice.