Alpha Business Loans

A lending arm providing Innovative funding solutions for Innovative entrepreneurs. We offer a prompt and flexible range of finance products enabling projects, property developments and businesses to get off the ground and move forward.

We deploy funding across the whole spectrum of the capital stack from first mortgages through to equity on project and property developments:

  • First Mortgage. We provide registered first mortgage funding where there are attributes to the loan that may prohibit it conforming with covenants required by traditional banks.
  • Mezzanine Debt. Mezzanine debt ranks behind the senior bank and is subordinated to the bank’s position. The facility incurs an interest cost, usually not linked to the profitability of the project, though if structured as a participating mortgage it has both an interest and profit-share component.
  • Preferred Equity. Sometimes referred to as structured equity the key attribute is that the repayment of capital occurs in advance of and in priority to the repayment of ordinary equity. There is no registered mortgage on preferred equity.
  • Equity. We co-invest alongside the core equity provided by the project sponsors. On some occasions this equity investment is a ‘follow-on’ from an earlier involvement as a lender to a project. At other times it facilitates a core buy-and-hold position in a long-term asset.

      Sometimes a business is well established, but is confronted with a cash-flow problem which is often not evident until it is already in advanced stages, with Alpha Business Loans we may be able to help you with a range of short term funding arrangements, allowing you to pay your staff and creditors, shifting your entire focus on to the business, and getting cash-flow back on track.

    • Secured Business Loans. A commonly used product. You can unlock equity from items you own, or even loan against the item that you plan to purchase.

      The typical loan terms of this product varies from as short as 2-3 months, up to 12 months or more.

      Interest rates vary depending on the term of the loan.

    • Interest Only Loans. There are times when you are looking to take on a large project, but your cash flow is not quite capable to carrying the cost involved, through to the final balance being paid, and let’s face it – some large companies pay when they pay, it is difficult to hurry them up.

      For these types of situations, where you know you have a large amount coming in, but need cash flow to carry costs in the meantime, we offer interest only loans, meaning your monthly payment is merely the interest installment, keeping costs lower, until the payment comes in, at which point, you can retire the debt entirely.

    • We are dedicated to helping talented entrepreneurs and innovators build and run remarkable companies; understanding the challenges of launching and running an enterprise we take an active role and add value through Alpha Consulting during and beyond the loan period.
      • Alpha Business Loans was formed with the intention of providing fast and easy finance for businesses, without all the red tape that is normally associated in this particular type of finance. We believe that in order for us to succeed in business, we must assist our clients in achieving the same in theirs.

        At Alpha Business Loans, we base our everyday business decisions on a few core beliefs:

        – Treat ALL clients with absolute respect. We all start somewhere, and we all have our reasons for what we do.

        – Keep every aspect of our business transactions transparent, giving clients the ability to know exactly what they are signing.

        – Ensure that our clients are satisfied with the service we offer – without clients, our business does not exist… With happy clients, our business grows, as they re-use our services and also reccommend others. So client satisfaction is paramount to us at Alpha Business Loans.

        – To provide a professional and speedy service. Generally TIME is a major factor with such loans, we understand this, which is why we do our very best to ensure we understand the schedule which you are following, enabling you to capitalise on those opportunities, and not letting them get away.