Our Sectors



Our Specialist Finance Sectors

Find out more about our range of finance options for our specialist sectors below.

  • Hospitality & Leisure
  • Professional Services
  • Healthcare
  • Retail
  • Agricultural
  • Property & Construction
  • Haulage & Transport
  • Recruitment Finance
Hospitality & Leisure

Given our location on the edge of the Beautiful English Lake District, here at Hornby Commercial we have many years’ experience of working with Hospitality Businesses to fund their needs.

Whether you are purchasing a new Business or investing in your existing operation, speaking to someone who understands your Sector is vital when it comes to arranging finance.  This sector can require a large investment in property and our Commercial Mortgages and Secured Business Loans help to support this sector.

We have excellent relationships with Specialist Lenders who still have a strong appetite towards the Hospitality Sector, and once we have discussed your proposals with you, we will ensure that your request is placed with the lender best suited to your needs.  If you aren’t sure which Bank/Building Society or alternative lender is best suited to your needs let us guide you through the process.

Leisure and Hospitality is also an industry where energy costs represent a significant expense. Why not speak to us today (Inspired Energy) to see if your bills can be reduced, or to take advantage of a certified ‘green energy’ package.

Professional Services

We have specialist options for Legal and professional services from Tax and VAT loans, to Commercial Mortgages and unsecured loans for working capital, asset finance for IT  and vehicles or Professional Indemnity Insurance finance to preserve your cash flow by spreading the cost of your premium.

Whatever your needs, call us today to see how we can help.

Healthcare

Businesses in the Healthcare Sectors of Doctors, Dentists, Vets and Care Facilities all have requirements for funding for their property related needs.

These sectors are highly specialised and lenders have a varied appetite to different types of Businesses in these areas. Development Finance, Commercial Mortgages and Asset Finance are all used regularly in this Sector.

Talk to us today and find out how we can support your Business with your funding needs.

Retail

There are many areas of finance needed in a retail business, and let’s start with your premises.

You may be entering into a lease agreement with your Commercial Landlord which requires an upfront lease premium to be paid, or you may be purchasing your premises and need a Commercial Mortgage to finance your property.

Whether you own or lease your property, you will also need to fit out or maintain the premises to accommodate your business, and this can take a significant proportion of your capital to undertake this work.

The requirement to create a welcoming and attractive shopping experience for your customers will mean that you will need to hold and display sufficient stock to meet demand, as well as having well trained and sufficient staff to serve your customers professionally.

Stock funding can tie up a significant amount of your working capital, and this will be an ongoing commitment.  Understanding how quickly your stock sells, and how quickly products can be received from your suppliers after ordering are the key to successfully managing this funding gap whilst providing a great environment for your customers to visit.

Orders for stock may also need to be committed well in advance of your sales periods, especially for seasonal items across a range of products from clothing, gifts to furniture and outdoor goods to ensure availability when you need it.

Here at Hornby Commercial, we can help you finance your established retail business from a range of the following options and will be happy to discuss your needs.

We can also help you to save money on your energy bills, by working with our partners at Inspired Energy plc.

Agricultural

Here at Hornby Commercial, we work with a wide range of lenders who support the Agricultural Industry.  From Asset Finance to acquire new vehicles and Machinery, Farm Loans to purchase or fund your Farm, or working capital facilities by way of Short-Term Loans, call us today to see how we can help.

We work with some of the best lenders in the Market for the Agricultural Sector and are confident we will find you a great deal.

Property & Construction

For many years since the Financial Crisis of 2008 lending into the Construction and Property Sector was stalled by many High Street Banks.

During this time, as the economy has recovered, specialist lenders have come into the Market, many of whom have experts in property development and investment available to guide their customers and assess their loan requests.

Whether you need access to a Bridging Loan to acquire a property at Auction or fund the development of a housing or Commercial Development opportunity talk to us today to see how we can help you access a lender to support your needs.

Construction led Businesses often have a requirement for a large Plant fleet, and spreading the costs of these purchases via a suitable Asset Finance agreement can leave your other cash flow and Land Security available towards the completion of your development project.

Construction Sector Finance is a very specialised area and will require a lender who understands your needs so that you can have the confidence to take on new projects.  There are large up-front costs for labour and materials in this Sector, and being able to obtain payment of your invoices promptly could be vital when it comes to completing your contract successfully and profitably.

We work with lenders who can help you help you with funding against contracts, framework agreements and applications for payment to ensure your working capital requirements are met.

Haulage & Transport

Businesses in the Haulage and Transport Sectors continue to experience strong pressures on profit margins, and having the correct finance structure in place is imperative to the smooth operation of the business.

Invoice Finance to help access the cash tied up in your invoices is a common funding structure in this industry, as you will have costs of wages, fuel and vehicles to meet before you receive payment from your customers.

Asset Finance

Operating a modern and well-maintained fleet can have cost-saving benefits as well as helping to ensure reliability and brand awareness are enhanced.

Whether your fleet is owned outright or funded via HP or lease arrangements, Hornby Commercial can work with you to ensure that Vehicle funding is available to meet your acquisition plans for the year ahead.  This can help you to obtain the most competitive rates, and help you to plan your purchases to ensure that these are timed in line with your available cash flow.

We work with a variety of lenders who have a strong appetite for this sector, so talk to us today to find out how we can help you.

Recruitment Finance

Financing arrangements for your recruitment agency business will always need to take into account the timeline between paying temporary staff and contractors wages (often weekly)  and receiving the funds from your clients for their services. (often monthly or longer).

The ability to receive cash immediately you raise an invoice to your clients will allow for a smooth cash flow experience within your recruitment business.  It will ensure that you can take advantage of the demand from your customers without worrying about how you will pay your agency staff.

Recruitment Companies often use either Invoice Discounting or Factoring in order to provide the working capital needed within their business.  Here at Hornby Commercial we have arrangements with some of the best recruitment funders in the business and will be happy to work with you to source the finance you need.

Call us today to see how we can help.



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Members of Cumbria Tourism

Here at Hornby Commercial, we are lucky enough to be based in Cumbria on the edge of the beautiful English Lake District (now a Unesco World Heritage Site). We are passionate about supporting Businesses in the area many of whom operate in the Leisure and Hospitality Sectors.

Cumbria Tourism works really hard as a Destination Management Organisation in helping to drive visitors and Business to the area and are a key source of information to help us keep up to date with local Sector performance and news.

If you are planning on investing in The English Lake District contact a member of our team to see how we can help.