Our services
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Pearl Funding is your premier destination for innovative and tailored real estate financing solutions. Whether you're a seasoned investor or a first-time landlord, our team of experienced professionals is dedicated to helping you achieve your real estate goals. We offer a wide range of financing options, including investment & commercial mortgages, commercial loans, and private lending, to meet your unique needs. With our commitment to exceptional customer service and competitive rates, Pearl Funding is your partner for success.
Commercial Investment
Commercial mortgages are a type of loan used to finance the purchase or refinance of commercial properties, such as office buildings, retail spaces, industrial facilities, or multi-family residential properties. These loans are typically offered by banks, credit unions, and other financial institutions.
Bridging Loans
Bridging loans are a short-term financing solution designed to bridge the gap between purchasing a property and securing an exit strategy for the bridging finance. This exit could involve selling a property, refinancing through a mortgage, or a combination of both to repay the bridging loan.
Common uses for bridging loans include:
- Purchasing an un-mortgageable property
- Acquiring a property at auction
- Conducting light or heavy refurbishments
- Covering unexpected business expenses
Development Finance
Development finance is a short-term funding solution, typically lasting 6-24 months. It is specifically tailored to cover purchase and construction costs for residential or commercial development projects.
This type of finance can support a range of projects, including new builds, conversions, or refurbishments, from single units to large-scale developments across multiple phases.
Acquisition Funding
We source backers for acquisition funding, a process that often involves navigating complexities. It is crucial for both the acquiring and target companies to thoroughly evaluate the financing terms and conditions to ensure they are favorable and align with their goals.
The acquiring company must also perform comprehensive due diligence to identify financial and operational risks associated with the acquisition, ensuring the transaction supports its broader strategic objectives.
Asset Finance
Asset finance is a flexible funding solution that enables businesses to acquire essential assets, such as equipment, vehicles, or machinery, without the need for an upfront payment.
Under this arrangement, the lender purchases the asset and leases it to the borrower for a specified term. At the end of the lease period, the borrower typically has three options: purchase the asset outright, return it to the lender, or renew the lease agreement.
Unsecured Business Loans
We work with lenders to provide unsecured business loans, a financing option that does not require collateral, such as property or vehicles. Instead, these loans are granted based on the borrower’s creditworthiness and ability to repay.
Unsecured loans are versatile and can be used for various purposes, including debt consolidation, business growth, or operational expenses.
Invoice Finance
Invoice finance unlocks the cash tied up in unpaid invoices, providing a valuable boost to business cash flow. This financing method, which includes options such as invoice factoring and invoice discounting, enables businesses to manage their capital more effectively.
- Invoice Factoring: This is a disclosed facility that combines funding with credit control and debt collection services. Your customers will be aware that a factoring company is involved. It can also include bad debt protection for added security.
- Invoice Discounting: This is a funding-only solution, typically confidential, where you retain control over credit management. Like factoring, it can also include bad debt protection.
Both options can provide up to 90% of the invoice value within 24 hours of completing the work or delivering the goods. The remaining balance is paid after the customer settles the invoice, minus a service fee.