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BIZL

We connect businesses looking to fund growth with lenders that have the vision to help them succeed. We help businesses go further.

We believe in entrepreneurs who dream big and want to do more. We're a credit broker, not a lender. BIZL helps you compare business finance online for free. Apply in 5 minutes and receive indicative offers in 48 hours.

17/06/2026

Ever bought a flat with a short lease?

Josh has just helped a client buy a short lease flat as an investment - and managed to avoid a bridging loan. He's pretty chuffed with himself so we thought we'd spill the beans.

This transaction started as a short‑lease purchase, with only 46 years remaining and no agreed premium with the freeholder — so the original (realistic) solution was a bridging loan to complete the purchase and refinance later once the lease was sorted. We got the bridge agreed but then put the brakes on.

What changed?

We managed to get hold of the freeholder and then the client negotiated a £50,000 lease extension premium, allowing the lease to be extended to 999 years contemporaneously with the purchase.

That meant we could move past the bridge entirely and secure a Day 1 remortgage at the higher value (after the lease extension).

Here's how it went:

🔸 Purchase price: £190,000
🔸 Lease extension premium: £50,000 (client-agreed with freeholder)
🔸 End value: £285,000
🔸 Mortgage raised: £213,750 (c. 75% LTV)
🔸Only £27k cash in 💥

Same asset. Better structure. Better outcome.

How have you funded short lease purchases?

09/06/2026

Still focused purely on buy-to-let? It might be time to rethink.

With the Renters Reform Act tightening regulations and higher stamp duty continuing to squeeze returns, a lot of investors are starting to look beyond standard residential deals.

One area gaining more attention?

💡 Semi-commercial.

Shops with flats above and other mixed-use properties can offer:

❇️ stronger, more resilient income
❇️ less competition than pure resi
❇️ access to flexible funding structures

It’s not about moving away from property - just evolving your strategy as the market shifts.

We’ve put together a clear, practical guide to help you see where semi-commercial fits and how to approach it properly. 📖 Read it here: https://lnkd.in/enhTe-au

02/06/2026

Scaffolding firm 👍
Needs £250k sharpish 🤔
Customer management accounts show a 10% jump in gross profit margin 👀

On the face of it, that’s the sort of thing that makes credit underwriters sit back and raise an eyebrow 🤨

A bit too tidy. A bit too good to be true. A bit convenient. And in fairness - it often is.

But this is where experience matters.

Rather than taking the numbers at face value, Nimish dug a level deeper and spent time understanding how the business actually works. Because scaffolding isn’t a smooth, linear model.

His client undertakes large commercial contracts for developers. At the start of a project, costs are heavy - planning, labour, transport, all front-loaded. At the end, you see another spike - dismantling, again labour-driven, transport.

But in between? You’ve got equipment up, rental income coming in steadily, and relatively low ongoing cost. So depending on when you take the snapshot, margins can look wildly different - particularly on larger, longer-duration projects. What looked like a sudden jump in gross profit margin was really just timing.

Once that story was properly understood and translated to the underwriter the deal started to make sense.

Outcome:
→ £250,000 loan
→ Personal guarantee only
→ 3-year term
→ Delivered inside 10 days

Same business. Same numbers. Better understanding.

26/05/2026

Buying a property for your trading business? One of the biggest decisions you’ll make is how you structure the purchase.

In this blog we break down OpCo / PropCo in practical terms. including:
• why some buyers separate the trading business from the property
• how this can help with risk and asset protection
• what lenders typically look for when funding different structures

OpCo / PropCo can work really well in the right scenario - but it can also complicate funding if it’s set up without proper advice.

That’s why understanding your structure before you apply for finance is so important.

If you’re planning a commercial property purchase and want to know what structure might work best for you, this blog is a great place to start 👉 https://bizl.co/blog/opco-propco/

19/05/2026

Mortgage brokers – commercial enquiries don’t have to be dead ends.

We were introduced by a national mortgage broker to a client buying a £400,000 office for their growing business. The plan was to purchase via a new Ltd Co and let the property to their trading company, allowing them to move out of rented space and scale up.

The challenge?
An existing lender reduced the loan to 65% LTV, wouldn’t fund the vat, and left the client needing an extra £80,000 - all with a tight 6‑week deadline.

What we did:
✅ sourced two strong commercial mortgage options
✅ increased borrowing to 75% LTV
✅ secured VAT funding on purchase
✅ delivered full offers quickly to keep the deal moving
✅ coordinated lender, valuation and solicitors to hit completion

The result:
A successful purchase, a new office for the business, and a much stronger outcome than the original offer. Happy client. Happy mortgage broker. Generally lots of happiness.

If you’re a mortgage broker with commercial enquiries on your desk, we can help you turn them into completed deals, additional revenue and happier clients. Check us out at https://bizl.co/advisers/

12/05/2026

Build trust first. Everything else follows 🤍

Our newst broker, Nimish Shah, has been busy doing what he does best - listening properly, being straight with the client, and building on the trust that was already there. No pressure, no noise, just clear conversations and a structure that actually made sense.

He's midway through a really strong bridging loan deal, raising capital against 2 residential assets so that the client can purchase additional commercial assets. The deal will enable our client to be a cash buyer, meaning he can negotiate hard and move quick.

The plan? Buy vacant commercial units under market value, obtain planning consent to convert to resi and then sell.

Nimish is arranging:
✨ £700k
✨ 55% LTV
✨ 16‑month term
✨ Just 6.6% p.a.

This is exactly how we like to work. Thoughtful structuring, honest advice, and backing our clients with the confidence to move decisively when the right opportunity comes along.

05/05/2026

We recently had a bit of anti‑money laundering training as a team 🥳

Led by Tony – our resident banking veteran. He’s seen a thing or two on the front lines, which helps us enormously at work and occasionally makes for a good yarn after hours.

A practical session, down‑to‑earth, and focused on the details that feel dull right up until the moment they become extremely important.

We’re friendly, human, and easy to deal with. But behind that is decades of financial services experience, proper process, and people like Tony making sure everything holds up to scrutiny.

Safe ✔️ Professional ✔️ Done properly ✔️

We trust you.

Tony would just like to see the paperwork 👀

01/05/2026

Happy Renters' Rights Act Day 🥳🫩

Today marks the start of the biggest shake‑up to renting in England for a generation.

No more Section 21. Rolling tenancies. New possession rules. More compliance. More forms.

Tenants gain certainty. Landlords gain homework.

We’ve pulled together a practical, landlord‑focused guide setting out what the Renters Reform Act (now the Renters’ Rights Act) actually means in practice – where the risks now sit, and what landlords should be thinking about next.

If you own rental property in England, it’s worth a read 👉 https://bizl.co/blog/renters-reform-act-for-landlords/

Happy reform day 🍾🙄

28/04/2026

Thinking about buying a shop? 🏪 Getting a mortgage is very achievable.

Whether you’re buying as an investment or for your own business, shop mortgages are widely available and more straightforward than many people expect.

Lenders regularly support:
- A wide range of retail uses
- Shops with or without flats above
- Both investors and owner‑occupiers

We’ve written a clear, practical guide explaining how shop mortgages work and how to approach a purchase with confidence.

📖 Read the guide: https://bizl.co/blog/can-i-get-a-mortgage-to-buy-a-shop/

21/04/2026

A huge thank you to Landbay for hosting our team meeting at their lovely Victoria offices this week.

We genuinely enjoy working together, and getting time face to face really shows how strong that partnership is.

A special thanks to Harry Phillips for working so closely with us – that personal contact and approachability mean a lot and make collaboration easy 🙌

We value Landbay because they’re responsive, open, and great to deal with. Clear communication, quick answers, and a shared focus on getting deals over the line – it all makes a real difference.

The best results always come from close, trusted partnerships and taking the time to work properly together 😍 😇

Address

Notcutt House, 36 Southwark Bridge Road
London
SE19EU

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://bizl.co/

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