Frequently Asked Questions

Get answers to frequently asked questions about commercial lending, asset finance, bridging loans, development finance and more. Expert guidance from Emet Capital.

Frequently Asked Questions Get instant answers to the most common commercial lending questions. Expert insights to help you make informed financing decisions. Most Popular Questions ( ) : ( Didn't Find Your Answer? Our commercial lending specialists are ready to provide information about your specific questions and circumstances. Contact Us Commercial Lending FAQs | Emet Capital | Business Finance Questions Get answers to frequently asked questions about commercial lending, asset finance, bridging loans, development finance and more. Expert guidance from Emet Capital. commercial lending FAQ, business loan questions, asset finance questions, bridging loan FAQ, commercial finance help hover:shadow-md transition-shadow What types of commercial lending do you facilitate? We facilitate a comprehensive range of commercial lending solutions including asset finance, development and construction finance, bridging and caveat loans, working capital facilities, trade and import/export finance, and specialized non-bank lending. We work exclusively with commercial lending - no residential or consumer finance. How long does the commercial loan approval process take? Approval timeframes vary by loan type and complexity. Simple asset finance can be approved in 24-48 hours, while development finance may take 2-4 weeks. Bridging finance is typically faster at 5-10 business days. We work closely with lenders to expedite applications wherever possible. What is the minimum loan amount you handle? We typically handle commercial loans from 00,000 upwards, though this can vary by loan type. For smaller amounts, we may refer you to appropriate lenders directly. Our expertise is most valuable for complex or larger commercial financing requirements. Do you charge upfront fees for your brokerage services? What types of assets can be financed? We can arrange finance for virtually any business asset including vehicles, machinery, equipment, technology, furniture, and specialized industry equipment. The asset must be used for business purposes and typically needs to retain value over the loan term. With hire purchase, you own the asset at the end of the term after making all payments. With a finance lease, you lease the asset and can either return it, upgrade, or purchase it at market value at the end. Lease payments may offer better tax benefits as they Can I finance used equipment? Yes, we can arrange finance for quality used equipment. Lenders typically prefer equipment that What deposit is required for asset finance? Deposits typically range from 10-30% depending on the asset type, age, your business What is development finance and who needs it? Development finance provides funding for property development projects including land acquisition, construction costs, and related expenses. It How are development finance repayments structured? Development finance typically features interest-only payments during the construction phase, with principal and interest repayments beginning after completion. Some facilities include a sales period allowing interest-only payments while units are sold. What security is required for development finance? Security typically includes the development site itself, plus additional security may be required such as other real estate or guarantees. Lenders often require comprehensive insurance coverage throughout the development period. How are funds released during construction? Funds are typically released in stages based on construction milestones, verified by independent quantity surveyors or building inspectors. This protects both the lender and borrower by ensuring funds are used appropriately. When would I use bridging finance? Bridging finance is ideal for time-sensitive property transactions, such as buying before selling, property development bridging, refinancing urgent situations, or capitalizing on investment opportunities that require quick settlement. How quickly can bridging finance be arranged? Bridging finance can often be arranged within 5-10 business days for straightforward applications. In urgent situations, we What are typical bridging finance interest rates? What exit strategy is required for bridging finance? Lenders require a clear exit strategy such as property sale, refinancing to permanent finance, or business cash flow. The exit strategy must be realistic and achievable within the loan term, typically 6-24 months. What working capital solutions are available? We arrange various working capital solutions including business lines of credit, overdraft facilities, invoice finance, trade finance, equipment rental finance, and seasonal funding facilities. Each solution is tailored to specific cash flow patterns and business needs. How does invoice finance work? Invoice finance allows you to access up to 80-90% of outstanding invoice values immediately. You sell your invoices to a financier who collects payment from your customers. This provides immediate cash flow while your customers take their normal payment terms. With confidential invoice finance, your customers don How is a business line of credit different from a term loan? re only paid when your loan successfully settles, which means our interests are completely aligned with yours. Our commission comes from the lender, not from you. s the difference between a hire purchase and a finance lease? s requirements. New equipment often requires smaller deposits than used equipment. s the difference between confidential and disclosed invoice finance?