The Loan Process
A clear, structured approach from initial enquiry through to successful completion and drawdown.
Securing commercial finance can seem daunting, but with the right guidance, the process is straightforward and efficient. At Aberdeen Corporate Finance, we manage every stage on your behalf, ensuring your application is professionally prepared, strategically submitted, and expertly negotiated.
With all commercial finance applications, the broker will need to provide specific credit information in respect of the potential borrower prior to receiving a proposal or indicative terms from lenders. Below we outline exactly what to expect at each stage.
Our Six-Step Process
Initial Consultation
A free, confidential discussion to understand your requirements, financial position, and objectives. We assess the feasibility of your proposal and outline the likely funding options available.
Information Gathering
We provide a clear checklist of the documents and information required. Our team guides you through the preparation process, ensuring nothing is overlooked and your case is as strong as possible.
Proposal Preparation
We prepare a comprehensive, professionally formatted funding proposal that presents your business and requirements in the best possible light. This is tailored to each lender's specific criteria and appetite.
Lender Matching & Submission
We identify and approach the most suitable lenders from our network of 200+ institutions. Your proposal is submitted to multiple lenders simultaneously to maximise options and create competitive tension.
Negotiation & Terms
We review all offers received, compare terms, and negotiate on your behalf to secure the best possible rates, fees, and conditions. We present our recommendations with clear, impartial analysis.
Completion & Drawdown
We manage the process through to completion, coordinating with solicitors, valuers, and the lender to ensure a smooth drawdown of funds. We remain available throughout and beyond.
Documents Typically Required
The exact documentation depends on the type and complexity of your funding requirement. Below is a general guide — we will provide a specific checklist tailored to your situation.
Financial Records
- Last 3 years audited or management accounts
- Up-to-date management accounts for current year
- Bank statements (last 6 months minimum)
- Details of all existing borrowings and facilities
Business Information
- Business plan with financial projections (where applicable)
- Company structure chart and ownership details
- Details of key management personnel
- Industry-specific licences or certifications
Personal Information
- Personal assets and liabilities statement for all directors/guarantors
- Proof of identity (passport or driving licence)
- Proof of address (utility bill, less than 3 months old)
- CV or career summary for principal applicants
Property-Specific
- Property valuation report or purchase price details
- Planning permissions or building regulations approvals
- Lease details and rental income schedules
- Development appraisal or schedule of works (for development finance)
What Sets Our Process Apart
Speed
Our established processes and lender relationships mean faster turnaround times at every stage.
Expertise
Professional proposal preparation significantly increases the probability of approval.
Dedicated Support
A single experienced broker manages your case from start to finish — no handoffs.
Clear Communication
Regular updates at every stage so you always know where your application stands.
24hrs
Initial Response
7 Days
Proposal Ready
14 Days
Indicative Terms
30 Days
Typical Completion
Ready to Begin?
The first step is a free, confidential conversation. Contact us today to discuss your funding requirements and let us guide you through the process.
Start Your Application