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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.

03/09/2026

Our client had previously secured a Growth Guarantee Scheme (GGS) facility, but as the business evolved and plans were put in place to bring new investment into a subsidiary company, the existing banking structure created a challenge.

With debentures held across both the main company and subsidiary, it was creating a conflict for incoming investors. The solution required a refinance that would support the wider business while releasing the subsidiary from the existing security structure.

This wasn't a straightforward lending request. It required careful planning, lender discussions and a clear understanding of the client's future growth ambitions.

A special mention to Josh, who worked closely with the client throughout the process, providing invaluable support, guiding negotiations and helping navigate a complex situation with a clear focus on finding the right outcome.

Thank you, Andy, for the kind words and for trusting Josh and the BIZL team throughout the process.

02/09/2026

Meet Pratik

Pratik began his career on the RBS Leadership Graduate Programme, supporting innovative and disruptive businesses as they explored opportunities to partner with the bank through proof of concepts and pilot studies.

After moving into a technology-focused relationship management role, working with ambitious businesses across London, he found his passion in commercial and property finance. Today, he leads BIZL's Commercial Finance Broker team, bringing extensive specialist property finance expertise and an unwavering determination to get deals done.

What truly sets Pratik apart is his mindset.

When others see obstacles, Pratik sees opportunities. Rather than focusing on why something can't be done, he focuses on finding a way to get it done. Even when a case seems impossible, he embraces the challenge, exploring alternative routes and working tirelessly to find the best possible outcome for his clients.

His reputation has been built on persistence, creativity and results. Clients know that when Pratik is involved, they have someone fighting in their corner from start to finish.

Pratik is a natural people person. His approachable nature, extensive knowledge and genuine commitment to helping others have allowed him to build lasting relationships and is exactly the sort of broker you'd want on your side when it really matters.

Outside of work, Pratik enjoys spending time with family, discovering great food and new restaurants, talking cars, and following and playing football. His competitive nature means he's always up for a challenge, a trait that serves him just as well in sport as it does when fighting to get the best results for his clients.

We're proud to have Pratik leading our Commercial Finance Broker team, helping clients achieve funding solutions and navigating complex deals.

27/08/2026

Should You Use Debt Finance to Grow Your Business?

Growth often requires funding. Whether it's new equipment, more stock, additional staff or larger premises, many businesses reach a point where extra capital is needed.

Debt finance can be a useful tool because it allows you to access funding without giving away ownership of your business.

Some of the benefits:

• Retain full ownership and control
• Predictable repayments help with planning
• Interest costs may be tax deductible
• Can help build your business credit profile

However, it's important to remember:

• Repayments must be made regardless of performance
• Borrowing comes with interest costs
• Security or personal guarantees may be required

In simple terms, debt finance works best when it's supporting a clear growth plan and creating long-term value for the business.

At BIZL, we help businesses explore funding options for growth, acquisitions, working capital and commercial property purchases.

Would debt finance help take your business to the next level?

26/08/2026

Nimish recently helped a client secure funding to purchase the freehold premises for their convenience store in Norfolk.

Buying the property your business trades from can be a big step, helping to create long-term stability while giving you the opportunity to build value in both your business and property.

In this case, the transaction was structured with the property being purchased through a dedicated property holding company, while the trading business continued to operate separately.

The outcome:

• £173,600 commercial mortgage secured
• Freehold property purchased for £248,000
• Property acquired through SPV (Special Purpose Vehicle)

A great example of how the right structure and funding can help business owners take control of their premises and invest in their future.

Looking to purchase your business premises or refinance an existing commercial property?

We'd be happy to explore your options.

20/08/2026

Meet Rachel

With over 20 years of experience across retail and commercial banking, Rachel brings a wealth of knowledge and a practical, no-nonsense approach to helping businesses secure the finance they need.

Having held senior banking roles at Santander, Metro Bank and NatWest, Rachel has extensive experience in credit risk, underwriting and complex lending. She has worked closely with a wide range of trading businesses and has developed a particular expertise in agricultural finance, making her a valuable asset for clients operating within the sector.

What sets Rachel apart is her straightforward approach. She believes in being honest, transparent and solution-focused, helping clients understand their options and navigate the funding process with confidence.

Outside of work, Rachel is someone who enjoys testing her own boundaries. Whether it's on the rugby pitch or training for her next swimming marathon, she's always looking for ways to challenge herself and see what's possible, proving that determination isn't just something she brings to her clients.

We're delighted to have Rachel as part of the BIZL team, supporting businesses with the expertise, guidance and funding solutions they need to grow.

19/08/2026

We recently got the team together for lunch with Lendhub.

We've worked with Lendhub on many bridging & development transactions over the past year and have always valued their professionalism, reliability, and commitment to finding solutions that help our clients achieve their goals.

A big thank you to the Lendhub team for their hospitality. The food was excellent, but the discussions around delivering better outcomes for our clients and creating new opportunities together were the real highlight of the lunch.

We're looking forward to working together on more deals in the future.

13/08/2026

Could the expanded Growth Guarantee Scheme make funding easier to access this year?

The Government has announced a major expansion of the British Business Bank's Growth Guarantee Scheme (GGS), giving more businesses access to government-backed funding.

At its core, it means lenders may be able to support more businesses that would previously have struggled to secure finance.

Here's what that looks like:
• £2bn of additional SME lending expected each year by 2028/29
• Government guarantee remains at 70% on eligible facilities
• Loan terms extended from 6 years to up to 10 years on some products
• Eligibility increased to businesses with turnover up to £54m (previously £45m)
• Expected to support an additional 12,000 businesses annually

In short: more funding options, longer repayment terms, greater accessibility.

We're already seeing opportunities for businesses looking to:
• Acquire another company
• Fund growth and expansion plans
• Purchase commercial property
• Improve cash flow with lower monthly repayments

The message is clear - finance options continue to evolve, and businesses that may have been overlooked before could now have new opportunities available.

Could this open the door for your next growth project?

12/08/2026

Josh recently helped a portfolio landlord secure bridging finance to purchase a flat in South East London, with a plan to add a bedroom and refinance onto a buy-to-let mortgage.

The Details:

• £310,000 purchase price
• Bridging secured for 80% net day one, 248k including a £20,000 refurb.
• Value-add through reconfiguration
• Target GDV (Value after refurbishment) of £450,000
• Refinance onto Buy-To-Let after 3 months

A clear strategy, with a defined exit from day one.

Considering a similar bridge-to-BTL project? Feel free to DM us with any questions.

06/08/2026

Owning the premises you operate from is a major milestone for any business, but when that business is a pub, it can mean everything.

This wasn't a straightforward transaction. Our client was purchasing a pub in London with an Airbnb apartment above, creating a mixed-use proposition that presented a number of challenges. In a sector that has faced significant headwinds in recent years and is not always a favourite among lenders, securing the right funding required careful planning and persistence.

We worked closely with our lending partner to structure a deal that met appetite and mitigated risks. The transaction secured the future of the business while creating a valuable long-term asset for the owner.

Thank you for the kind words and for trusting Pratik and the team at BIZL throughout the process.

05/08/2026

Meet Marian O'Connor

When it comes to navigating complex property finance cases, Marian is someone you want in your corner.

As a Property Finance Broker, Marian brings over 25 years of banking and mortgage experience, helping clients secure funding with confidence. Specialising in bridging finance and buy-to-let mortgages, she works closely with portfolio landlords, property investors and clients incorporating their property portfolios.

Known for her determination, attention to detail and problem-solving mindset, Marian thrives on finding solutions where others see obstacles. Her extensive industry knowledge, combined with a genuine commitment to her clients, helps ensure every case receives the expertise, support and guidance needed to achieve the best possible outcome.

Away from work, Marian enjoys a good glass of w**e, has a special place in her heart for Ireland and is always looking forward to her next holiday.

We're proud to have Marian as part of the BIZL team, helping clients turn their property ambitions into reality.

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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