How lenders read each kind of business and property, one line on each.

• Hospitality Hotel, guest house, pub, holiday let and holiday park finance across Scotland, from brokers who own a west coast hotel. Purchases, refurbs and fit-out from £75k.
• Guest house and B&B finance Guest house and B&B mortgages in Scotland from £75k: when an owner-occupied guest house is still a commercial case, going-concern valuations, seasonality, licensing and deposits.
• Holiday let and self-catering business finance Finance to buy an established holiday cottage, chalet or lodge business in Scotland from £75k: trading valuations, tired accounts, short-term let licences and the owner's house on site.
• Holiday park, campsite and glamping finance Finance for campsites, holiday parks and glamping sites in Scotland from £75k: buying a site, adding pods and lodges, asset finance versus property finance, planning, croft title and island lending.
• Retail Commercial mortgages from £75k for shops and mixed-use units, asset finance for shopfitting and EPOS, and working capital that respects retail's cash cycle.
• Offices and professional services Commercial mortgages from £75k to buy your office, finance for practice acquisitions and partner buy-ins, and funding for fit-out and technology.
• Industrial, manufacturing and warehousing Commercial mortgages from £75k for industrial premises, asset finance for plant and machinery, and invoice finance for manufacturers trading on credit terms.
• Care Finance for care homes, supported living and childcare settings: acquisitions, refinance and development, assessed on EBITDA, occupancy and grades.
• Agriculture and rural business Lending secured on farmland and rural property from £75k, asset finance for agricultural machinery, and funding for diversification projects across Scotland.