Many of our personal clients are business owners and we support our clients with various financial planning needs in this area.
Do you have money sitting in your business account? Would you like to invest your company’s leftover cash?
Under the Pensions Act 2008, every employer in the UK must put certain staff into a workplace pension scheme and contribute towards it. This is called 'automatic enrolment'. If you employ at least one person you are an employer and you have certain legal duties.
A commercial mortgage is a loan secured on any property which is not your residence. There are a variety of different commercial mortgages and the assessment and pricing for each type will vary according to the risk posed by the venture. Please speak to one of your experts who can assist you in this area
A business loan is generally unsecured up to £25,000, but lenders will ask for some security for loans exceeding this value based upon the risk value. That said, due to the legal and administrative costs of taking security against a commercial property, many lenders will impose minimums on the amount they’re willing to approve in these situations.
Asset finance (leasing and hire purchase) gives firms access to equipment which might otherwise be out of reach due to lack of cash flow. It usually involves paying a regular charge for use of the asset over an agreed period of time, therefore avoiding the full cost of buying outright.
Invoice financing is a way for businesses to borrow money against the amounts due from customers. Invoice financing helps businesses improve cash flow, pay employees and suppliers, and reinvest in operations and growth earlier than they could if they had to wait until their customers paid their balances in full.
If you are looking for a short-term finance option when purchasing property or land, a bridging loan can be useful. This option helps to ‘bridge the gap’ if you want to buy a new home before selling your old one and do not have the funds.
Trade Finance is the provision of dedicated funding in support of the movement of physical goods being traded along a supply chain. Providing the exporter with receivables or payment whilst the importer might be extended credit to fulfil the trade order.
A grant is a sum of money awarded to your business from the government that doesn’t need to be repaid. For investments, regional grants are available for capital investment and job creation, and gaining funding can depend on where your business is based.
The FCA does not regulate aspects of corporate services.
Part of our client’s journey will be establishing specific financial objectives. This will vary between our clients and creating a personal financial goal for our clients will form the basis of all recommendations. We will also include assessing our client’s attitude to investment risk, capacity for loss and knowledge, all of these areas will form the basis of our recommendations.
We have many years’ experience advising clients with their lending requirements including First Time Buyers, Clients coming to the end of their current mortgage deals, Buy To Let mortgages, Limited Company Buy to Lets. We pride ourselves to go the extra the mile using our experience to advise the most suitable mortgage for our clients.
Yes, we offer financial planning advice for businesses. Our local business financial advisors are fully qualified and experienced in business financial planning advice and everything that entails. If you have any questions, please get in touch to see how we can help you.
There are several ways to reduce an inheritance tax bill, which can help maximise the value of your legacy. We can advice the most efficient way forward that is appropriate for your circumstances.
As retirement nears, it pays to be prepared. At Meriden Financial Planning Ltd, we offer financial advice for decisions that can shape retirement plans for the rest of your life.
Throughout your working life, you may accumulate several pensions from your employers or from a private personal pension. Our independent financial advisers can help to review your existing pensions, advise on your options and what you can expect to receive when you access them.
Equity release refers to a range of products letting you access the equity (cash) tied up in your home if you are over the age of 55. You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both.
Financial protection can cover several options, from life assurance to income protection and critical illness cover. At Meriden Financial Planning Ltd, our financial advisors can match your requirements with many protection and insurance products on offer across the whole of the market.
Whether you are considering your first buy-to-let property purchase or looking to increase your existing portfolio, Meriden Financial Planning Ltd can help with buy-to-let mortgage advice that will help you choose the most appropriate mortgage deal on the market.
When coming to the end of your current mortgage deal, Meriden Financial Planning will compare the options from your current providers and providers across the market and advice the most appropriate solution.
Meriden Financial Planning Ltd can help with first time buyer mortgage advice that will help you choose the most appropriate mortgage deals on the market. Contact us to book your consultation.
An independent financial adviser can give you advice about managing your money or help you with specific needs or goals. You may require someone to help you understand complicated financial jargon, or simply need independent financial advice you can trust.