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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.

15/10/2026

We've all heard the phrase "cash is king", and when it comes to running a business, it's absolutely true. Sales and profit are important, but without cash available to fund day-to-day operations, even successful businesses can feel the pressure.

Whether your cash is tied up in stock, unpaid invoices, or rising costs, improving your working capital can give your business greater flexibility and support future growth.

Here are five practical ways to strengthen your working capital:

• Review your expenses – identify unnecessary subscriptions, services, and overheads that can be reduced or removed.
• Negotiate longer payment terms – if possible, agree extended terms with suppliers to keep cash in your business for longer.
• Reduce excess stock – holding too much inventory ties up valuable cash that could be used elsewhere.
• Get paid faster – invoice promptly, automate payment reminders, and stay on top of outstanding invoices.
• Use funding strategically – solutions such as invoice finance, trade finance, and asset finance can help improve cash flow while supporting growth.

Working capital isn't just about staying afloat. It's about creating the financial flexibility to invest in opportunities, manage challenges, and grow with confidence.

What's the biggest challenge affecting your cash flow right now: late payments, excess stock, or rising costs?

14/10/2026

Under the Government's proposed changes, the minimum EPC requirement for rental properties is expected to increase from E to C by October 2030. Whilst there is still time to prepare, many property owners are already reviewing their portfolios to understand the potential implications.

For owners of older properties, this could mean investment in:
• Insulation and building fabric improvements
• More efficient heating and cooling systems
• Upgraded lighting and controls
• Renewable energy solutions where appropriate

The challenge isn't just the cost of the works themselves.

Many landlords are also considering:

• How EPC ratings may affect future property values
• Whether tenants will increasingly favour more energy-efficient buildings
• The potential impact on refinancing and lender appetite
• Whether improvements should be completed sooner rather than later

For some, it's simply a compliance issue.

For others, it's an opportunity to future-proof an asset, reduce running costs and improve its long-term attractiveness to occupiers.

With October 2030 now less than four years away, we're expecting energy performance to become an increasingly important part of commercial property discussions.

Are EPC requirements influencing your investment or property strategy yet, or is it still too far down the road?

08/10/2026

One of the most rewarding things about this job is helping clients find a property that genuinely fits where their business is heading.

Our client runs a well-established construction and infrastructure business with around £20m turnover and 200 employees. They weren't looking for just a bigger office. They wanted a property that would support future growth whilst also generating rental income.

After an 18-month search, Josh helped the client secure the right opportunity: a £1.85m office property in Essex, acquired through an OpCo/PropCo structure to combine owner occupation with investment income.

The funding wasn't straightforward. Construction isn't a sector every lender is comfortable with, and during the transaction we hit a roadblock when one of the original lending conditions could no longer be satisfied.
Working closely with the lender, we negotiated revised terms and kept the deal moving.

The result:
• £1.85m office acquisition completed
• £1.36m commercial mortgage arranged over 15 years
• OpCo/PropCo structure
• Owner occupation combined with investment income
• A long-term home secured for a growing business

A great outcome for the client and another reminder that the right lender can be just as important as the right property when a deal becomes complicated.
Well done to Josh , who supported our client throughout their property search and played a key role in helping them find a property that matched their long-term growth ambitions.

07/10/2026

When a business reaches the point where it needs additional premises to support its growth, securing the right funding can be a key part of the journey.

We were recently approached to arrange funding for the purchase of a freehold semi-commercial property in Nottingham, providing office space for a growing social care business as it continued to expand its operations.

The funding requirement included:
• Purchase price: £215,000
• Loan amount: £161,250
• Freehold semi-commercial property
• Owner-occupied office space
• Residential accommodation above to support social housing provision

As with many commercial property transactions, the process required careful coordination to ensure everything progressed smoothly from application through to completion.

A special mention to Pratik, who worked closely with all parties involved and remained focused on delivering the right outcome for the client.

At BIZL, we're proud to support growing businesses with the funding solutions they need to invest in their future and achieve their long-term goals.

Have you considered purchasing your own business premises rather than continuing to rent?

01/10/2026

Meet Chantal

If you've ever met Chantal, chances are you've experienced her warmth, positivity and ability to make people feel comfortable from the very first conversation.

Chantal began her career as a Junior Broker for a fine w**e investment company before spending 8 years as a Member Lending Specialist at Freedom Credit Union. During that time, she helped individuals and families navigate their financial journeys with confidence, building a strong foundation in consumer lending and client relationship management.

What sets Chantal apart is her natural ability to build meaningful relationships. Approachable, charismatic and genuinely people focused, she enjoys connecting with others and creating lasting professional relationships. As an active member of BNI, she is passionate about networking and meeting new people. Known for her infectious smile, many would say you can hear it through the phone before you even meet her.

Outside of work, Chantal enjoys travelling, keeping up with the financial markets and discovering new restaurants. She also loves journalling, dancing, singing karaoke and spending quality time with friends and family. Whatever she's doing, she brings the same enthusiasm and energy that she's known for in the office.

We're delighted to have Chantal as part of the BIZL team, supporting our clients with dedication, professionalism and a genuine people first approach.

30/09/2026

A common misconception among business owners is that having a CCJ means a commercial mortgage is completely out of reach.

The reality is more nuanced.

While a County Court Judgment (CCJ) will affect how lenders view your application, it doesn't automatically mean you'll be declined. Many lenders are willing to look beyond a historical credit issue and assess the overall picture.

When reviewing an application, lenders will typically consider:

• How long ago the CCJ was registered
• Whether the CCJ has been satisfied or remains outstanding
• The value of the CCJ
• Your recent financial conduct and credit profile
• The strength of the property and overall proposal
• The amount of deposit or equity being introduced

It's also important to remember that not all lenders assess risk in the same way. Whilst many high street banks have strict credit criteria, specialist lenders can often take a more flexible approach where there is a strong property, a sensible borrowing requirement and a clear repayment strategy.

The key takeaway?

A CCJ may reduce your options, but it doesn't necessarily prevent you from obtaining a commercial mortgage. With the right preparation, the right lender and the right advice, funding may still be available.

Have questions about commercial mortgages or adverse credit?

24/09/2026

Pratik recently helped a client in Northwest London refinance their property from an existing bridging facility, securing a funding solution that provided a clear exit from short-term finance and the flexibility to move their project forward.

Refinancing away from a bridge can be complex, particularly when a property has undergone significant refurbishment and requires a lender who understands the client's long-term plans. It takes the right structure, the right lender, and a clear plan for the next phase.

The outcome:
• £1.5m gross loan secured
• 75% LTV against a property valued at £2m
• Exit from an existing bridging facility
• Funding secured against a recently refurbished residential property

A great example of how specialist short-term finance can be used strategically to support longer-term investment and development goals.

Well done, Pratik, on another excellent client outcome.

Looking to refinance a bridge loan or explore your property finance options?

We'd be happy to explore your options.

18/09/2026

We knew we liked Flat Iron Square...

We just didn't realise we liked it enough to end up on their website.

Spotted while researching Christmas party venues today 👀

Flat Iron Square , should we be asking for commission... or at least a bar tab?

17/09/2026

If you've ever met Nimish, chances are you'll remember the conversation.

Whether he's sharing a story from his travels, recommending a new restaurant, or catching up with contacts across London's business community, Nimish has a natural ability to put people at ease.

With over 25 years of banking and SME relationship management experience, including senior roles at NatWest, Nimish combines strong credit expertise with a genuinely client-focused approach. He understands that every business is different and works closely with owners to help them navigate challenges and achieve their ambitions.

For Nimish, it's never just about the transaction. It's about understanding the people behind the business and building lasting partnerships that earn the trust of his clients.

Outside of work, Nimish is endlessly curious, well connected, and always has a great story to tell. A fan of Bollywood music and films, he also enjoys DIY projects, restoring mechanical equipment and following cricket.

Having spent much of his life between Africa and the UK, he has developed a genuine appreciation for different cultures and communities, something that shines through in the way he connects with people.

Fluent in four languages, Nimish brings positive energy, experience and authenticity to every conversation, making him a valued member of the BIZL team and a trusted adviser to the businesses he supports.

We're delighted to have him on the team, helping businesses secure the funding and support they need to grow with confidence.

What's the most important quality you look for in a trusted business adviser?

16/09/2026

Last month, the BIZL team swapped the usual networking drinks for a golfing social hosted by Avamore Capital.

As a specialist property lender, Avamore supports property investors and developers with development finance, bridging loans and bespoke funding solutions for projects that often sit outside the scope of traditional high street lenders. Their flexible approach and deep understanding of the property market make them a valued partner for brokers and clients alike.

Events like these are a great reminder that strong relationships are at the heart of what we do. The better we know and understand our lending partners, the better positioned we are to deliver the right funding solutions for our clients.

A huge thank you to the Avamore team for organising a great event. It was a fantastic opportunity to catch up, exchange market insights, learn more about their current appetite and offerings, all while putting our golfing abilities to the test. Thankfully, our lending knowledge was far more accurate than our putting... with the exception of Pratik and Tom, who appeared to be operating under PGA (Professional Golf )Tour conditions.

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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