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short term finance a guide to short term finance short-term finance has become one of the fastest-growing financial products in the uk, with annual total lending increasing from £0.8 billion in 2010 to £2.2 billion in 2014 – a huge increase of almost 300%! this is due in part to the global financial recession: high street retail banks are still wary of approving loans, and this has restricted the types of funding available to businesses and individuals. the nervousness of retail banks isn’t the only reason for short term finance’s popularity; the competitive rates that the funding offers and the many uses it can be put to make it an attractive solution for many different borrowers. what is short term finance? short term finance is, essentially, a way of obtaining a large loan relatively quickly, by trading equity in an asset for cash. by using existing assets to secure a loan, businesses and individuals are able to take advantage of opportunities as they arise, something that can be difficult to do with long-term loans. this is because long-term loans typically require a greater degree of time and security to arrange, and are therefore not suitable in situations where money is needed quickly to begin a project. short term financing is commonly used to get the ball rolling on projects where there is no option to arrange a long term loan – if a company needs to purchase a brownfield site before beginning development, for example, they wouldn’t be able to apply for a construction loan, and so would need an alternative source of finance. similarly, houses bought at auction typically need to be paid for within 28 days, a period which is much too short to arrange the surveys and paperwork required for a mortgage, but a reasonable timeframe for arranging a short term financing solution. is it expensive? a short-term loan is more expensive than a long-term loan, because the interest is charged monthly rather than annually. however, it can be deceptive to compare the two types of loan; though a bridging loan offered at 1% per month may theoretically have a staggering 12% apr, if the loan is paid back within two months then the total cost of the loan is kept to a reasonable 2%. depending on the lender, the size and length of the loan, and the ratio of loan to value, there may also be an arrangement fee of several percent payable before the loan is approved. though similar in practice to mortgage arrangement fees, the fact that it’s calculated as a percentage of the total loan value can make the upfront fees of short term financing quite expensive, a factor that should be considered before pursuing one. as previously mentioned, competition has driven down the costs of a typical short term finance package, so although it can still be a fairly expensive way to arrange financing, short term loans are becoming more and more affordable. how much can be borrowed? short term financing is a very flexible product, and can be used for anything from refurbishing a private home to renovating an entire block of flats. as such, there are many diverse companies offering different scales of finance – many companies offer funding from £30,000 up to £25 million, though projects of up to £50 million can be funded by specialist short term financiers. the amount that can be borrowed is determined by the value of the asset it is secured against, with most short term finance options having a maximum loan-to-value ratio of 75% (though there are some exceptions to this). this means that a short term loan secured against a £500,000 property could not be for more than £375,000. if the property is already mortgaged (i.e. there is already a “first charge” on it), the ltv typically drops to around 65%. this reflects the increased risk that is incurred as a “second charge” lender, as the first charge lender will take first priority if the asset should be repossessed. how is short term financing regulated? as part of the consumer credit industry, short term financing used to be regulated by the office of fair trading. in 2014, though, regulation of the industry passed to the newly-created financial conduct authority (a subsidiary of the bank of england and close cousin to the prudential regulation authority), which has the power to set minimum standards, investigate any business or individual and order limited or indefinite suspensions of any product. because some aspects of short term finance are used in similar situations to mortgages, there are certain situations where mortgage regulators require short term loans to comply with their rules – if a loan is secured against a residential property in which the borrower is living, for example. the pan-european mortgage credit directive has certain requirements for mortgages made on mixed-use properties which aren’t applicable under uk law, and are in line to be implemented in 2016. however, it is unclear how the uk market will be affected by these changes, and whether the eu commissions directives will be interpreted as the uk moves to leave the eu. the importance of an “exit strategy” because short term finance companies are typically funding money “up front” for schemes, they typically require borrowers to prove that they have an “exit strategy”. this is the borrower’s plan to repay the loan; a homeowner repaying with the balance of their mortgage, a renovation company repaying with the proceeds of a house they’ve sold, or a retail company repaying with the profits of their new establishments. any company you approach for a short term finance loan will need to approve your exit strategy before agreeing to loan you the money. depending upon the size of the project (and the loan), they may decide to “stress-test” your exit plan, testing your ability to repay if things don’t go according to plan. before applying for a loan like this you should be certain of your repayment plan, and have paperwork to prove its viability. what are the dangers of short term finance? the biggest danger in short term finance is overconfidence; if you take on a loan that’s too large for you to repay, or without a 100% guaranteed way of repaying it, you’ll find that interest charges pile up faster than they can be cleared. this is why companies will require you to provide a clear and coherent exit strategy before they’ll approve you loan. don’t be tempted to misrepresent your situation; being approved for a loan when you shouldn’t be can cause you enormous problems if you struggle to repay. there are plenty of small, one-man outfits within the market, but bigger city firms with more experience, more resources and tougher regulations will be a safer bet for borrowers. finally, don’t be tempted to take out a short term loan if it’s not right for you – recently, the fca has expressed concern that some financial advisers might be suggesting loans to people when they’re not the best option; a full understanding of exactly what rules there are surrounding your loan is the best defence against poor advice, so the more information you can gather the better! different types of short term finance as the market has become more crowded, competition has forced short term finance companies to offer better and better terms to customers, resulting in quick, easily arranged loans at highly competitive rates. with increased regulatory oversight and growing consumer confidence, short-term finance is highly flexible and offers many benefits to both individuals and businesses. the remarkable proliferation of short term financing has led to intense diversification and specialisation within the market, with companies providing loans for every situation. the sheer variety of products available can be overwhelming, though, which is why we’ve broken down some of the most common types of finance available, so you can better understand how short-term finance can work for you. bridging finance also known as “swing” loans or “caveat” loans, bridging finance is used to plug the gap between two larg

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Whois Information

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Domain name:
shorttermfinance.uk

Registrant:
Falbros Media Group Ltd

Trading as:
Falbros Media Group

Registrant type:
UK Limited Company, (Company number: 11085818)

Registrant's address:
Metro House Northgate
Metro House
Northgate
Chichester
UK
PO19 1BE
United Kingdom

Data validation:
Nominet was able to match the registrant's name and address against a 3rd party data source on 17-Jan-2018

Registrar:
Falbros Ltd t/a Falbros Media Group Ltd [Tag = FALBROS]
URL: https://www.falbrosmediagroup.com

Relevant dates:
Registered on: 13-May-2016
Expiry date: 13-May-2018
Last updated: 17-Jan-2018

Registration status:
Registered until expiry date.

Name servers:
pdns07.domaincontrol.com
pdns08.domaincontrol.com

WHOIS lookup made at 20:58:44 05-Mar-2018

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  REFERRER http://www.nominet.org.uk

  REGISTRAR Nominet UK

SERVERS

  SERVER uk.whois-servers.net

  ARGS shorttermfinance.uk

  PORT 43

  TYPE domain

OWNER

  ORGANIZATION Falbros Media Group Ltd

TYPE
UK Limited Company, (Company number: 11085818)

ADDRESS
Metro House Northgate
Metro House
Northgate
Chichester
UK
PO19 1BE
United Kingdom
Data validation:
Nominet was able to match the registrant's name and address against a 3rd party data source on 17-Jan-2018

DOMAIN

  SPONSOR Falbros Ltd t/a Falbros Media Group Ltd [Tag = FALBROS]

  CREATED 2016-05-13

  CHANGED 2018-01-17

STATUS
Registered until expiry date.

NSERVER

  PDNS07.DOMAINCONTROL.COM 216.69.185.53

  PDNS08.DOMAINCONTROL.COM 208.109.255.53

  NAME shorttermfinance.uk

DISCLAIMER
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:
Copyright Nominet UK 1996 - 2018.
You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at http://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REGISTERED yes

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