π ππ§πππ«ππ¬π πππππ¬ ππ«π πππ’π₯π₯ ππ‘π ππ’π π ππ¬π ππ«ππ€π π¨π§ ππ‘π ππ πππ¨π§π¨π¦π² Over the weekend, I read an article by Alex Brummer who argues that the Bank of England should be cutting rates faster to stimulate growth, and from where I sit in business, commercial and property finance, itβs hard to disagree. On the other side of the coin, some will argue that higher oil and transportation costs (recent Middle East crisis) will add inflationary pressures so not to reduce rates! Over the past 18 months, higher borrowing costs havenβt killed deals but they have slowed everything down. In the last 2 weeks since the start of the Middle East crisis, I have noticed that many property term loan lenders have increased their BTL borrowing rates and also withdrawn a number of fixed rate and zero arrangement fee products, so leaving investors with fewer choices. Yet one thing hasnβt changed: π Demand for funding is still very much alive (e.g. homes need to be built, businesses need cash flow funding) but what has changed is how deals are being structured. Right now, weβre seeing strong demand for: β’ Working capital term loans and cash flow finance for businesses β’ Bridging finance to keep transactions moving β’ Development finance where projects still stack β’ Acquisition finance for profitable businesses β’ Flexible funding when high street lenders say no If youβre exploring business or property and debt finance options, feel free to drop me an email at sanjay@finances.house or book in a call at https://lnkd.in/eHeW6T7G! I partner with over 250 lenders so am confident that a solution to address your funding requirements can be found! π If rates were to fall, confidence could return very quickly. And when that happens, the deals already structured and ready to go will move first.
Posted by Sanjay Majithia at 2026-03-17 17:54:01 UTC