Usually, a small or medium sized business borrower will consider bank funding in the first instance. This will be because, if the loan can be extended, it is likely to be the lowest cost option. However, in the following frequently occurring situations, A mortgage-secured non-bank finance by Quantum Credit will often be the best option:

When TIME is an issue – banks can take up to six weeks to assess and three weeks to settle a loan, while Quantum Credit can approve and settle transactions in a fraction of that time. This means that a transaction that would not survive a lengthy bank process can be concluded successfully. Bank funding will often follow later to settle Quantum Credit’s bridging/interim loan

When INFORMATION is an issue – a borrower may not have completed accounting or tax returns yet, without which banks will not approve a loan

When INCOME is an issue – banks use financial statements and tax returns to satisfy themselves that a borrower has the capacity to repay the debt and they are generally not flexible in this regard. Quantum Credit can use other sources to verify income, or agree to approve a loan in the absence of income verification but on a conservative loan-to-value ratio

When”HASSLE” is an issuenon-bank funding, for example through a private mortgage, is simply less stressful than a bank loan; there is less paperwork, and financial statements and tax returns are not required. Quantum Credit is approachable, credit decisions are made quickly, processes are predictable and efficient, and funds are released very quickly

When the LOAN AMOUNT is an issue – in certain instances Quantum Credit may advance more funds than a bank would. For example, Quantum Credit will lend on the real value of the property as reflected in a valuation report, even if the property was purchased at a lower price

When CREDIT RATING is an issue – credit ratings can be negatively impacted by minor adverse issues (such as a small unpaid utility bill). Banks generally will not consider the circumstances of an adverse listing, while Quantum Credit will. If a reasonable explanation is available, a small adverse issue needn’t disqualify an otherwise good borrower from accessing credit

When SELF EMPLOYMENT is an issue – income verification for self-employed borrowers can be more complex, as their personal affairs are often enmeshed with their business affairs. While banks adopt a very strict approach to self- employed borrowers,  Quantum Credit can be more flexible, especially when good security property is available

When just being a SMALL BUSINESS is an issue – the international Basel capital adequacy rules implicitly encourage banks to favour residential mortgage lending over providing loans to smaller businesses. Quantum Credit is not subject to this type of regulatory constraint and is wholly focused on lending to small and medium businesses, not consumer lending

When SHORT TERM is an issue – while banks do offer short term finance, their normal assessment procedures and return parameters often cannot deal with the borrower’s unique short term finance needs. As a result, their response is often ineffective and not competitive with Quantum Credit in the short term loan market

When the PROPERTY itself is the issue – banks accept only fully completed security properties. An incomplete house, at lock up stage with minor items such as landscaping to be done, provides an opportunity to Quantum Credit to provide a loan when a borrower has no more room to move with their banker

When COMPLEXITY is an issue – Quantum Credit is often presented with complex borrowing situations involving multiple borrowers, multiple security properties and other funders. These require a flexible approach and Quantum Credit has the skills and experience to implement appropriate solutions, often in conjunction with the bankers to the transaction


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