"We can help you finance any
business you decide to buy not
just those sold by
Sidney Phillips"

• advice on
  freehold funding
• we can arrange
  loans for leases
• partnership buy out
  expansion
  consolidation
• get in touch
  with us

RECENT COMMENTS FROM OUR CLIENTS

"Thank you very much for your help and advice over the past few months. The service we have received from you has been absolutely first rate and I would not hesitate to recommend you to anyone wishing to buy a licensed business"

"So far it has been plain sailing as far as I am concerned exactly what I wanted. Just like to thank you for making it so easy"

• deals on gas
  and electricity
• friendly and
  efficient service

Pubs Hotels & Restaurants

Re-finance packages can be arranged for a variety of reasons.

• Debt consolidation
• Partnership buy out
• Expansion
• Repayment of Brewery borrowing

Debt consolidation

We have seen a number of instances recently where clients have built up borrowings from a number of sources because their own bankers declined to advance further funds to develop the business.

This can be a mixture of credit card and personal loan borrowing often at excessive rates of interest, despite there being good overall equity in the business.

We can arrange to replace all these debts with a term mortgage on competitive interest rates over terms from 5 -30 years which means that not only are overall monthly outgoings reduced but the capital can also start to be repaid.

Partnership buy out

With funding of up to 70% of the value of the business currently available then where required funding can be available to buy out partner’s interest. Repayment terms up to 30 years available on competitive terms.

Expansion

By valuing the business before and after refurbishment and improvement it may well be possible to arrange funding of up to 70% of the current value of the business plus a further 70% of the redevelopment cost.

Repayment of Brewery Loans

With free of tie discounts exceeding £150.00 per barrel for a reasonably busy wet led pub, replacing brewery borrowing with commercial borrowing may unlock substantial barrelage discounts, far in excess of the extra borrowing costs

For more information on re-financing your pub please contact us on 01834 849795.