Raising Urgent Business Funds: How Our Process Works

If your business needs cash fast, waiting around just isn’t an option sometimes. That’s where we come in at Goldhill Finance. We do short-term secured loans that are all about getting money into your account quickly, whether that’s to sort cash flow, grow the business, do a refurb, or bridge a gap between two separate cases.

We strive to make the whole thing quick, flexible and totally upfront with no nasty surprises. Here’s how it actually works for you:

1. Give us a quick call or message – tell us a bit about your business, what you’re putting up as security (property or another solid asset), how much you need and how you plan to pay it back. We’ll look at it straight away and let you know if it works and what your options are.
2. We’ll send you a proper offer – if it looks good, you’ll get a clear indicative offer the same day, so you know exactly what the costs are before you commit to anything.
3. Valuation & checks – we get the asset valued and do the usual due diligence. It’s just to keep everything safe and transparent for both of us.
4. Legals (but the painless kind) – our lawyers talk to yours, sort the paperwork and get everything signed. We keep it simple and fast with no need for the endless back-and-forth.
5. Money in your account – once everything’s agreed, funds are normally with you in just a few days. If you’re doing a refurb project, we can release the money in stages as the work gets done or as contractors need to be paid.
6. Paying it back – when you’re ready (sale completes, refinance in place, whatever works), you just settle up. We’ll even help you figure out the smartest, cheapest way to exit.

We can usually give you a straightforward yes or no within 4 hours of the first initial discussion we have with you.

What we can actually lend:

• £10k up to £500K
• Up to 85% loan-to-value (depends on the property and the deal)
• 3–18 months normally, but we can go longer (5–10 years) if that suits better
• Rates usually 0.5%–2% per month, but take that as a guide only
• Standard fees for arrangement, legals, valuation etc. – all quoted up front
• We lend to individuals, limited companies, trusts – pretty much anyone
• We look at the whole picture; just because you have adverse credit doesn’t mean it will be an automatic no for being approved.

What we accept as security: Any property that would be considered as holding value – such as shops, offices, warehouses, houses, buy-to-lets, mixed-use, even slightly unusual property. If it’s got value and makes sense, we’ll probably accept (and grant the loan as either a first or second charge).

Why people choose us over a bank or remortgage:

• You get the money in days, not months
• No need to mess up your existing cheap mortgage
• Way cheaper than unsecured borrowing
• We actually listen and build the loan around what you need
• Clear exit routes so you’re never stuck

Don’t just take our word for it – one property developer in Manchester said:

“Goldhill got me £300k while I waited for a sale to go through. They turned it around in days and made the exit really straightforward when I refinanced.”