At EFS we have vast experience in providing all types of loans to both house holders and businesses.

Business Loans

We have many years of experience and in providing financial solutions to businesses and during this time we developed many contacts with financial institutions and we use these to get the best business loan terms for your business. We have arranged a variety of business loan products, from commercial property finance and bridging loans to asset finance loans.

• Commercial finance consists of loans and mortgages used by businesses to raise capital to either purchase business property or for other uses such as investing in the growth of the business. Financing businesses is seen as a higher risk than providing finance for homeowners and so you will pay correspondingly higher interest rates on your loan.

• Bridging loans are a form of commercial finance that businesses use to bridge the gap between purchasing their new premises while they are still waiting to raise capital from the sale of their old property. Bridging loans are intended to be taken out for relatively short periods and the lender will require a higher interest rate than for longer term commercial loans.

• Asset finance is the sort of commercial finance where you raise money to purchase the assets needed for the success of your company and use the assets purchased as security. If you already own your company’s assets then it is possible to free the funds tied up in these by refinancing your assets, once more using these assets to secure your loan.

Personal Loans

There are times in everybody’s lives when they need a bit of extra cash and they need to take out an unsecured personal loan which is one of the cheapest ways to borrow money. Whether you need a home improvement loan, a car loan, or a holiday loan this could be the best option for you.

It’s also possible to take out a secured loan using your home as security but there are benefits in not putting your home up as collateral, such as not putting your home at risk in the event of you being unable to make your loan repayments.

Debt Consolidation Loans

These sorts of loans are for people who have had difficulties with their loan repayments, or credit card payments and for these it could be a better option to consolidate these debts with a debt consolidation loan, the interest rates, of which are sure to be a lot lower than those that your credit card provider charges.

A debt consolidation mortgage is where a loan is secured against your home and you also may borrow more than you need to cover your existing debts and use this to improve your credit rating.

It’s important to remember that this sort of loan is secured against your property and the decision to take out this form of equity release requires careful thought beforehand.


We have experience in providing all sorts loans from business loans to personal loans. So why not click on our loan enquiry and ‘other calculators’ links to find out more about how much you can borrow. Or alternatively fill out the online form and one of our expert financial advisers will contact you to discuss your financial needs.

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