Grace Cartledge provides finance broking support to Business Owners and Self-Employed Clients exploring business lending beyond property including Working Capital Facilities and Equipment Finance. These are often considered alongside property and personal finance arrangements and can play a role in supporting day-to-day operations or business growth.

Working Capital Finance may be explored to support cash flow variability, seasonal trading or changes in operating conditions. Equipment Finance is commonly considered where vehicles, plant or specialised assets are required to support business activity. Each form of lending is assessed differently by lenders and may involve varying documentation, security and repayment structures.

For business owners, non-property lending can impact personal borrowing capacity and future property plans. The way these facilities are structured may influence lender exposure, serviceability assessments and ongoing credit review requirements. Viewing these arrangements in isolation can sometimes obscure how they interact with existing lending.

As a Finance Broker, Grace assists with the lending component of working capital and equipment finance and engages with lenders where appropriate. Grace works with Accountants and Advisers to ensure lending discussions align with broader business considerations and recommended structures.