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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.

22/07/2026

Will the Renters Reform changes shift how you approach property this year?

The Renters Reform (Renters’ Rights) Act is a new law designed to give tenants more security, but it also changes how landlords manage their investments.

At its core, it means renting becomes more regulated and less flexible for landlords.

Here’s what that looks like:

• Section 21 removed - you can’t easily take back your property
• Court process required - regaining possession takes longer
• No fixed end dates - tenancies can run on indefinitely
• Rent increases limited - harder to keep up with rising costs

In short: less control, more responsibility.

We’re already seeing landlords:

• Reassess traditional buy-to-let
• Explore different models like corporate lets or supported living
• Shift towards commercial and semi-commercial property

The shift is clear - property is no longer passive, it’s a hands-on, regulated business.

16/07/2026

Rachel recently supported a client based in Hertfordshire who runs a security company and needed quick access to capital to support business expansion and facilitate the acquisition of another company.

Here are the details:

Loan type: Unsecured Business Loan
Amount secured: £30,000
Term: 36 months

The outcome?

A fast and efficient funding solution that enabled the client to move forward with confidence and complete their growth plans without delay.

Would unsecured funding help accelerate your business ambitions?

Get in touch to explore your options.

15/07/2026

Meet Josh, Founder & CEO of BIZL.

Josh began his career at NatWest as a Business Relationship Manager, quickly progressing into complex lending before leading the Central London team. In 2015, he was recognised as Deloitte UK Young Banker of the Year.

In 2017, he launched BIZL with a clear vision, to bring a fresh approach to commercial finance and build one of London’s leading brokerages.

Today, Josh works closely with key clients, specialising in working capital solutions and complex property finance.

From structuring deals to navigating lender options, his focus is simple: finding what genuinely works for each client’s business and supporting them every step of the way.

09/07/2026

A recent client shared this feedback after working with Josh and Tony on the re-mortgage of their two-bedroom investment flat in Brighton.

What stood out?

• Clear, consistent support throughout the process
• A smooth and efficiently managed re-mortgage
• The confidence to work with us again in the future

That's exactly what we strive for on every case.

Whether you're reviewing your buy-to-let or commercial mortgage options, having the right team in your corner can make all the difference.

08/07/2026

June has been a strong month for the BIZL team.

A great mix of getting out, catching up, and strengthening the relationships that matter.

We kicked things off with a lunch with the team at LendInvest, a good opportunity to step away from the day-to-day and get a clear update on what they’re currently offering.

We also spent time at our industry association/NACFB event in Birmingham, which gave us the chance to:

• Reconnect with familiar faces
• Meet new lenders
• Stay up to date with market developments

Time spent like this always makes a difference when it comes to building long-term partnerships and delivering for our clients.

A productive month all round, with plenty more to come.

02/07/2026

Thinking about buying your shop instead of renting?

We speak to business owners all the time who are paying rent and starting to question whether it could work differently.

Here’s the reality.

You can get a commercial mortgage.

It’s based on the property, your business, and your deposit.

What can be funded:
• Shops
• Cafés and takeaways
• Warehouses
• Mixed-use units

It’s the same idea as a residential mortgage, just assessed in a different way.

So the real question is…

does owning your premises make more sense than renting?

Check out our blog for a full breakdown:
https://bizl.co/blog/can-i-get-a-mortgage-to-buy-a-shop

01/07/2026

Pratik recently helped a landlord in East London move 3 residential buy-to-let properties (£1m portfolio) from his sole name into a limited company, leading the process start to finish with his expertise.

The outcome:

• Shift from personal name into Ltd Co
• 75% LTV secured at a low rate
• Automatic valuation — saving time and cost
• Improved long-term tax structure

A clean restructure, handled by someone who knows exactly how to get it done.

Thinking about making the move into a limited company?

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.

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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