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Epic Financial Services Ltd can provide advice and information in the following areas:
Commercial mortgages and raising finance:
Epic Financial Services Ltd are able to arrange business mortgages/remortgages and other types of commercial finance. In addition to having access to commercial finance provided by major banks, Epic has links to many specialist finance companies who are able to look at the 'wider' picture with special deals and rates for loans over £1 million.
The types of properties we can arrange finance for range from shops, offices, hotels and pubs through to warehouses and factories. All applications are assessed on their own merits & our team will assist you in obtaining the best possible terms.
Here are some of the niche areas we may be able to help you with:
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Lending on owner occupied or investment properties.
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Lending to both 'status' or 'non status' clients in addition to providing help to those with limited accounts.
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Development and refirbishment funding for purchases or conversions to single property builds or multiple property development.
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Professional practice loans for Doctors, Vets, Accountants etc for the purchase or refinance of their own business premises.
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Ability to find lenders willing to lend to Trusts and Pension Funds.
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Able to arrange mortgages for SSAS's and SIPP's to buy commercial property.
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Bridging finance.
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Equipment finance and leasing.
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Help with working capital and factoring.
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Invoice discounting.
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General commercial banking.
Key-person insurance:
Directors and employees with specialist skills or knowledge are key employees of the companies they work for. To lose one through death or incapacity can be damaging to the business. That is why taking out a key-person insurance to protect the company is a wise move and companies, regardless of size, should ignore the risks at their peril.
Share protection through life assurance:
Directors' or partners' share agreements may provide for the remaining directors to purchase the shares of other shareholding directors when they die. However, there is a risk that the remaining directors may not have sufficient funds to hand when a fellow director passes away unexpectedly.
One way round this is to take out life cover coupled with an appropriate agreement as a source of funding.
Pension planning:
Directors may prefer to establish a separate pension plan from that of their employees. The reasons for this are that the term of their employment may be a fixed number of years, their tax position may be more complicated than other employees, or they may prefer to set up a form of self administered scheme more suitable to their circumstances.
Directors and partners may also wish to leverage their company pension scheme at some stage to raise funding for the business. This may be a tax and cost-efficient way of funding the acquisition of commercial property.
In these circumstances, sound pensions advice will be invaluable.
Management and employee benefits:
It goes without saying that to retain and recruit the best management and staff the salaries offered to them are important. However, employees today are more financially aware and often expect their employers to provide pension, protection and health benefits as key elements of their remuneration packages.
Epic can appraise existing and advise on potential arrangements providing solutions in the most cost effective way.
At Epic we ensure that our corporate client objectives are met in the most cost effective way. Our corporate advisers will carry out a full financial fact find, usually without charge, before making any recommendations. | 
