Commercial Finance Solutions
Erduran Capital Solutions arranges commercial property finance for business owners and for landlords of commercial property across the UK. You deal with one person, Erman Erduran, from the first conversation to completion.
Commercial property finance for business purposes only. Not for personal borrowing, consumer buy-to-let, or borrowing secured on a home you or your family live in or plan to. We are a credit broker, not a lender.
Services
We work with business owners and landlords of commercial property, structuring finance around what each client needs it for.
We arrange finance across most types of commercial property. We explain what lenders will look at, keep the case moving, and look for finance that fits what you need now and your plans for the property.
Long-term finance to buy or refinance the premises your business trades from, such as an office, shop, surgery or workshop. Lenders usually expect a deposit and look closely at the business's accounts and its ability to repay.
Finance to buy or refinance commercial property let to business tenants, from a single unit to a portfolio. Lenders look closely at the tenants, the leases and whether the rent covers the repayments.
Refinancing existing borrowing, for example when a term or fixed rate is ending, or raising capital against commercial property you own for another purchase or for the business. Refinancing can bring early repayment charges and new fees, and borrowing more increases the debt secured on the property.
Short-term finance for auction purchases, time-sensitive purchases or property not yet suitable for a term loan. Bridging usually costs more than a term loan, and you need a clear way to repay it at the end of the term, such as a sale or a refinance. If that does not happen, costs rise and the property is at risk.
Short-term finance to build, convert or substantially refurbish property. It is usually released in stages as the work progresses, after checks by the lender's surveyor, and repaid when the property is sold or refinanced. Lenders look closely at experience, costs, planning and how the loan will be repaid, and terms vary widely.
Subject to status, valuation and lender criteria; not every case can be placed. Lender and other costs apply. Personal guarantees may be required and can put the guarantor's assets at risk. Your property may be repossessed or a receiver appointed if you do not keep up repayments on, or repay when due, any debt secured against it.
We do not arrange finance secured on a property that you, or a member of your family, live in or plan to live in, including a flat that is part of a mixed-use building. If your needs include borrowing of that kind, we will tell you straight away. It is not part of this service.
How it works
Most of the work happens before a lender sees the case. A clear, complete application is easier for a lender to assess.
We start with your objectives, your business and the property, before any lender is approached.
We look at how the borrowing could be structured and which lenders' criteria it fits.
We prepare a clear proposal so lenders can assess the case properly from the outset.
We present the options available, with their costs and conditions, and negotiate terms where we can. You choose whether to go ahead, and with which lender.
The lender makes its own decision after its own checks and a valuation. We deal with its queries and liaise with the valuer and solicitors through to completion.
About
Erduran Capital Solutions is run by Erman Erduran, who has more than 20 years of experience in banking and finance. That background gives a clear understanding of how lenders assess risk and reach credit decisions, and each case is presented in the way credit teams expect to see it.
We work with a range of lenders, from high-street and challenger banks to specialist and private lenders, and present the options whose criteria fit your case. We are a credit broker, not a lender.
You deal with Erman directly throughout, so the person who understands your business is the one speaking to the lender.
Erman ErduranCommercial finance broker
Enquire
Call or email Erman with a few details about the property, how much you are looking to borrow and your timescale. He aims to reply to every enquiry within one working day.
It helps to have these to hand:
This service does not cover personal borrowing, consumer buy-to-let, or borrowing secured on a home you or your family live in or plan to.
We use the details you send us to respond to your enquiry. Our privacy notice explains how we use and protect your information.