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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.

18/09/2026

We knew we liked Flat Iron Square...

We just didn't realise we liked it enough to end up on their website.

Spotted while researching Christmas party venues today 👀

Flat Iron Square , should we be asking for commission... or at least a bar tab?

17/09/2026

If you've ever met Nimish, chances are you'll remember the conversation.

Whether he's sharing a story from his travels, recommending a new restaurant, or catching up with contacts across London's business community, Nimish has a natural ability to put people at ease.

With over 25 years of banking and SME relationship management experience, including senior roles at NatWest, Nimish combines strong credit expertise with a genuinely client-focused approach. He understands that every business is different and works closely with owners to help them navigate challenges and achieve their ambitions.

For Nimish, it's never just about the transaction. It's about understanding the people behind the business and building lasting partnerships that earn the trust of his clients.

Outside of work, Nimish is endlessly curious, well connected, and always has a great story to tell. A fan of Bollywood music and films, he also enjoys DIY projects, restoring mechanical equipment and following cricket.

Having spent much of his life between Africa and the UK, he has developed a genuine appreciation for different cultures and communities, something that shines through in the way he connects with people.

Fluent in four languages, Nimish brings positive energy, experience and authenticity to every conversation, making him a valued member of the BIZL team and a trusted adviser to the businesses he supports.

We're delighted to have him on the team, helping businesses secure the funding and support they need to grow with confidence.

What's the most important quality you look for in a trusted business adviser?

16/09/2026

Last month, the BIZL team swapped the usual networking drinks for a golfing social hosted by Avamore Capital.

As a specialist property lender, Avamore supports property investors and developers with development finance, bridging loans and bespoke funding solutions for projects that often sit outside the scope of traditional high street lenders. Their flexible approach and deep understanding of the property market make them a valued partner for brokers and clients alike.

Events like these are a great reminder that strong relationships are at the heart of what we do. The better we know and understand our lending partners, the better positioned we are to deliver the right funding solutions for our clients.

A huge thank you to the Avamore team for organising a great event. It was a fantastic opportunity to catch up, exchange market insights, learn more about their current appetite and offerings, all while putting our golfing abilities to the test. Thankfully, our lending knowledge was far more accurate than our putting... with the exception of Pratik and Tom, who appeared to be operating under PGA (Professional Golf )Tour conditions.

10/09/2026

The Bank of England is currently holding the Base Rate at 3.75%, with its next decision due on 17 September.

Whilst many businesses have become accustomed to a higher interest rate environment, hopes of rapid rate cuts have faded. In fact, wholesale funding costs and swap rates have been moving upwards in recent weeks, suggesting lenders may not see materially cheaper funding in the near term.

Why does this matter?

Interest rate movements can have a significant impact on:

• Commercial mortgage pricing
• Development finance costs
• Business loan affordability
• Refinancing opportunities
• Investment and acquisition plans

Many borrowers have spent the last 12 months waiting for rates to fall before refinancing or pressing ahead with growth plans. However, lending costs are influenced by far more than the Bank of England's Base Rate, and waiting for cheaper borrowing doesn't always deliver the outcome businesses expect.
That doesn't mean rushing into new debt. It does mean having a clear funding strategy rather than trying to perfectly time the market.

Whether you're approaching a refinance, funding an acquisition, investing in property, or supporting future growth, understanding your options now can put you in a stronger position regardless of where rates move next.

Our view remains simple: make funding decisions based on your business objectives, not on the assumption that rates will be significantly lower in a few months' time.

Are you waiting for rates to fall before making your next move, or is the right opportunity worth pursuing today?

09/09/2026

Rachel recently helped a Bedford-based business secure funding to purchase the commercial property they trade from, turning a monthly overhead into a long-term asset for the business.

The transaction involved a £275,000 purchase, supported by a 25% deposit. Alongside the commercial mortgage, a £55,000 VAT facility was arranged. This covered the VAT due on completion, which can then be reclaimed from HMRC after the purchase has completed.

With strong trading performance, the business was well positioned to make the move from tenant to owner-occupier. By structuring the funding correctly, Rachel helped secure a solution that worked comfortably alongside the business's cash flow while supporting its future growth plans.

For many business owners, owning their premises is about more than property. It's about control, security and investing in the future of the business.
A fantastic outcome for the client and a great piece of work from Rachel in guiding the transaction through to completion.

Could owning your business premises put your business in a stronger position for the future?

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.

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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