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Lime Finance Solutions

@limefinance.bsky.social
11 followers 2 following 385 posts

Commercial mortgage and property finance expert. Arranging finance for property professionals where others struggle. UK based, fully independent commercial & property finance specialist. Friendly, speaking plain English, no financial jargon in sight

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Lime Finance Solutions @limefinance.bsky.social · 1h
The South East Investment Fund has launched, offering £210m to South East based businesses across debt and equity funding. It risks being another great scheme that nobody knows about. More info available on the link, including pdf download and how to apply.
lime-fs.com
£210m Has Just Landed via South East Investment Fund. Here's What It Actually Is. - LIME FINANCE SOLUTIONS
The £210m South East Investment Fund is open. Loans from £25k to £2m, equity to £5m, across Sussex, Surrey, Kent and beyond. What it is and who qualifies.
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Lime Finance Solutions @limefinance.bsky.social · 01/10/2026
5 Ways AI is Transforming Commercial Mortgages The world of commercial lending is evolving fast. AI isn't just a buzzword; it’s estimated that AI-enabled decisioning will reduce commercial mortgage processing times by over 40% in 2026. Here are the 5 biggest ways AI is impacting applications rig
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Lime Finance Solutions @limefinance.bsky.social · 30/09/2026
Fixed rate commercial mortgage expiring? Based on what is happening with borrowing costs at present here is what I would do about it now. lime-fs.com/fixed-rate-m... #fixedrate #commercialmortgage #expiringrate #interestrate
lime-fs.com
If Your Fixed Rate Mortgage Is Ending. Here's What I'd Be Doing About It - LIME FINANCE SOLUTIONS
£33 billion of UK commercial fixed rate mortgage property loans mature in 2026. If yours is one of them, David Farmer explains what to do
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Lime Finance Solutions @limefinance.bsky.social · 30/09/2026
Tax Calculation vs. Tax Year Overview: What’s the Difference? If you're a director, landlord, or self-employed professional applying for a commercial loan, your lender will nearly always ask for these 2 documents. Getting them mixed up is one of the most common reasons for application delays! Do
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Lime Finance Solutions @limefinance.bsky.social · 29/09/2026
5 Things to Look Before Signing a Personal Guarantee. If you’re a business owner or director, a Personal Guarantee (PG) is often the key to unlocking finance. But it also means your personal assets - like your home or savings - may be on the line. Here are five critical things to check. #Busine
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Lime Finance Solutions @limefinance.bsky.social · 29/09/2026
Super happy to have completed this Development Mortgage for one of our regular property developer customers. Overcoming a few land issues and property restrictions on the way! Big thank you to the lender for working with us and the solicitors for getting this one done! #developmentlending #develop
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Lime Finance Solutions @limefinance.bsky.social · 28/09/2026
Lenders are more regularly reviewing how their buy to lets are being used. A standard buy to let loan used as a short term let isn't going to pass going forward. The message? The right mortgage for the right type of tenancy. The risk of getting it wrong is too big. #buytolet #shorttermlet #seviced
lime-fs.com
The Risk of the Wrong Buy to Let Mortgage - LIME FINANCE SOLUTIONS
Using a standard buy to let mortgage for Airbnb or serviced accommodation puts you in breach. Here's why lenders check, how they find out, and what to do instead.
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Lime Finance Solutions @limefinance.bsky.social · 25/09/2026
The South East Investment Fund has arrived, offering £210m to South East businesses on debt and equity funding. It risks being a great scheme that nobody knows about. More info available on the link, including pdf download and how to apply.
lime-fs.com
£210m Has Just Landed via South East Investment Fund. Here's What It Actually Is. - LIME FINANCE SOLUTIONS
The £210m South East Investment Fund is open. Loans from £25k to £2m, equity to £5m, across Sussex, Surrey, Kent and beyond. What it is and who qualifies.
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Lime Finance Solutions @limefinance.bsky.social · 25/09/2026
The UK commercial property market is seeing a major shift: more businesses are ditching leases for ownership. Commercial mortgage lending is up significantly, driven by the desire for stability and control as well as landlords looking to exit. Why the rush to buy? Security: Escape unpredictable re
bit.ly
Commercial Mortgages on the Rise: Why More Companies Are Buying Their Own Premises
Discover why more UK businesses are using commercial mortgages to buy their premises as landlords sell and offer tenants first refusal. Learn how Lime Finance Solutions helps SMEs secure stability and growth.
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Lime Finance Solutions @limefinance.bsky.social · 24/09/2026
Market update: things are still moving steady out there this July! Buyer registrations are up, more new instructions coming through, and on the lettings side demand is still well ahead of supply. Nine applicants for every property available, would you believe! For landlords, this is exactly the ki
theintermediary.co.uk
Sales and lettings activity remain steady in July, Propertymark finds
Nathan Emerson said: “The rise in prospective buyer registrations, alongside a modest increase in sales agreed and new instructions, suggests there is still underlying demand in the sales market."
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Lime Finance Solutions @limefinance.bsky.social · 23/09/2026
Fixed rate commercial mortgage expiring? Based on what is happening with swap rates at present here is what I would do about it now. lime-fs.com/fixed-rate-m... #fixedrate #commercialmortgage #expiringrate #interestrate
lime-fs.com
If Your Fixed Rate Mortgage Is Ending. Here's What I'd Be Doing About It - LIME FINANCE SOLUTIONS
£33 billion of UK commercial fixed rate mortgage property loans mature in 2026. If yours is one of them, David Farmer explains what to do
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Lime Finance Solutions @limefinance.bsky.social · 23/09/2026
Thinking of investing in the growing student let market? Student lets can provide attractive, but borrowing and compliance are key challenges. Smart Moves for Landlords: Get Specialist Finance: Most student properties require a Student Let Mortgage or HMO Mortgage (often requiring 25-30% deposit).
bit.ly
Smart Moves: Top Dos and Don’ts for Student Let Mortgages
Discover the top dos and don'ts for student let mortgages. Learn how to invest in student rentals successfully, navigate HMO rules, and secure the right mortgage deal.
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Lime Finance Solutions @limefinance.bsky.social · 22/09/2026
Property Developers don't pick the wrong finance! The project scope dictates your funding structure. Bridging Loans are asset-backed and quick - ideal for quick acquisitions, chain breaks, and light cosmetic renovations. They offer quick capital but require a clear, fast exit. Development Finance
bit.ly
Bridging Loans vs Development Finance: Which Is Right for Your Project?
Compare bridging loans vs development finance with our broker’s guide. Learn costs, risks, timelines, and FAQs to choose the right funding for your project.
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Lime Finance Solutions @limefinance.bsky.social · 22/09/2026
Delighted to see this working capital finance complete for one of our superb customers. The facility enables the client to grow their business and better meet the demand they are seeing. A fast turnaround business loan completed. #smallbusiness #businessloan #cashflow #SME #limefinancesolutions
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Lime Finance Solutions @limefinance.bsky.social · 21/09/2026
Lenders are more regularly checking how their buy to lets are being used. A standard buy to let loan used as a short term let isn't going to wash going forward. The message? The right mortgage for the right type of tenancy. The risk of getting it wrong is too big. #buytolet #shorttermlet #seviceda
lime-fs.com
The Risk of the Wrong Buy to Let Mortgage - LIME FINANCE SOLUTIONS
Using a standard buy to let mortgage for Airbnb or serviced accommodation puts you in breach. Here's why lenders check, how they find out, and what to do instead.
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Lime Finance Solutions @limefinance.bsky.social · 18/09/2026
The South East Investment Fund has launched, offering £210m to South East businesses on debt and equity funding. It risks being another great scheme that nobody knows about. More info available on the link, including pdf download and how to apply.
lime-fs.com
£210m Has Just Landed via South East Investment Fund. Here's What It Actually Is. - LIME FINANCE SOLUTIONS
The £210m South East Investment Fund is open. Loans from £25k to £2m, equity to £5m, across Sussex, Surrey, Kent and beyond. What it is and who qualifies.
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Lime Finance Solutions @limefinance.bsky.social · 18/09/2026
The UK business finance market is being fundamentally reshaped by the rise of unsecured business lenders. As traditional high-street banks become more risk-averse (with approval rates dropping below 50% for SMEs), agile fintechs are bridging the gap. Key Drivers: Speed: Digital platforms use AI an
bit.ly
The Rise of Unsecured Business Lenders in the UK
Discover how unsecured business lenders are transforming UK SME finance — faster approvals, £4 billion funding, rising demand amid traditional bank retrenchment
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Lime Finance Solutions @limefinance.bsky.social · 17/09/2026
A sole 5-digit code - your SIC-Code (Standard Industrial Classification)—holds the power to make or break your small business finance application. Why it matters to lenders: Risk Assessment: Lenders use it to instantly gauge the underlying risk of your industry (e.g., hospitality vs. professional
bit.ly
Why the Correct SIC Code Matters When Applying for a Business Loan
Applying for a small business loan in the UK? Discover why having the correct SIC code is crucial for lenders, risk assessment, and loan approval success.
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Lime Finance Solutions @limefinance.bsky.social · 16/09/2026
Fixed rate commercial mortgage due to expire? Based on what is happening with swap rates at present here is what I would be doing about it now. lime-fs.com/fixed-rate-m... #fixedrate #commercialmortgage #expiringrate #interestrate
lime-fs.com
If Your Fixed Rate Mortgage Is Ending. Here's What I'd Be Doing About It - LIME FINANCE SOLUTIONS
£33 billion of UK commercial fixed rate mortgage property loans mature in 2026. If yours is one of them, David Farmer explains what to do
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Lime Finance Solutions @limefinance.bsky.social · 16/09/2026
Refurbs are now a vital aspect of the UK property market, outpacing new builds for many investors. With short-term lending for refurbs doubling in recent periods, the opportunity to unlock value is increasingly clear: Value Uplift: Renovations significantly boost property value and are faster than
bit.ly
Why Refurbishment Finance Matters - Right Now
Explore the growing opportunity in UK property refurbishment finance: rising demand, how refurbishment loans work, and what investors need to know to unlock value in the current market.
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Lime Finance Solutions @limefinance.bsky.social · 15/09/2026
For professional landlords, 2026 is a significant opportunity in the UK Buy-to-Let market. The market shift is driven by three factors: Rate Normalisation: Stabilising BofE rates are improving BTL Mortgage affordability and making rental coverage stress tests easier to pass. Unstoppable Demand: H
bit.ly
Buy-to-Let Mortgage Opportunity 2026: Why Now is the Time for Professional Landlords
Discover how falling mortgage rates, strong rental yields, and professionalisation trends are creating a strong investment environment.
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Lime Finance Solutions @limefinance.bsky.social · 15/09/2026
Super delighted to have completed this refinance for one of our superb clients. Solving a few lease issues and reducing their cost of borrowing. Big thank you to the lender for working with us and the solicitors for getting this one done! #remortgage #commercialmortgage #mortgage #London #property
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Lime Finance Solutions @limefinance.bsky.social · 14/09/2026
Lenders are more regularly checking how their buy to lets are being used. A standard buy to let mortgage used as a short term let isn't going to pass going forward. The message? The right mortgage for the right type of tenancy. The risk of getting it wrong is too big. #buytolet #shorttermlet #sevi
lime-fs.com
The Risk of the Wrong Buy to Let Mortgage - LIME FINANCE SOLUTIONS
Using a standard buy to let mortgage for Airbnb or serviced accommodation puts you in breach. Here's why lenders check, how they find out, and what to do instead.
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Lime Finance Solutions @limefinance.bsky.social · 11/09/2026
The South East Investment Fund has launched, offering £210m to South East businesses across debt and equity funding. It risks being a great scheme that nobody knows about. Full details available on the link, including pdf download and how to apply.
lime-fs.com
£210m Has Just Landed via South East Investment Fund. Here's What It Actually Is. - LIME FINANCE SOLUTIONS
The £210m South East Investment Fund is open. Loans from £25k to £2m, equity to £5m, across Sussex, Surrey, Kent and beyond. What it is and who qualifies.
001
Lime Finance Solutions @limefinance.bsky.social · 11/09/2026
The UK property development market for the next year is defined by innovation and sustainability. It's a pivotal year where change is mandatory, not optional. Key Trends Shaping 2026: Sustainability as Standard: Net-zero projects and exceeding EPC ratings are now the baseline, leading to better ac
bit.ly
Property Development Trends for 2026
Explore the key UK property development trends set to shape 2026 — from green construction and modular innovation to finance flexibility and smart urban growth. Insights for investors and developers from Lime Finance Solutions.
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Lime Finance Solutions @limefinance.bsky.social · 10/09/2026
‘Abolish landlords’ party deputy leader revealed as landlord 7 September 2026 | By Marc da Silva | 2 454 The Green Party’s deputy leader owns two buy-to-let properties despite his party backing policies that seek to reduce private landlordism. Mothin Ali, co-deputy leader of the Green Party of Engl
propertyindustryeye.com
‘Abolish landlords’ party deputy leader revealed as landlord
The Green Party adopted a policy last year aimed at reducing private landlordism
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Lime Finance Solutions @limefinance.bsky.social · 09/09/2026
England's national register for short-term and holiday lets now has a date — fully up and running by March 2027, Culture Secretary Lisa Nandy has confirmed. Expected to be mandatory, with the detail still to come. For anyone running Airbnb or Booking.com lets on a standard buy to let mortgage, it's
propertyindustryeye.com
Government announces date for new property register
New mandatory property register gets launch date
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Lime Finance Solutions @limefinance.bsky.social · 08/09/2026
Did you know you can buy a landlord's whole portfolio without technically buying the properties? If the properties sit inside a limited company (an SPV), buying the company's shares instead of the properties themselves means Stamp Duty Land Tax doesn't apply — share purchases attract just 0.5%, not
financialreporter.co.uk
Buying the company: the upcoming purchase route that can save landlords thousands in stamp duty
<p>Phil Riches, sales director at Keystone Property Finance, argues brokers and landlords may be overlooking a way to acquire portfolios held in limited companies, namely, by buying the SPV itself rather than the underlying properties.</p>
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Lime Finance Solutions @limefinance.bsky.social · 08/09/2026
Delighted to see this mixed use property mortgage complete for one of our superb customers. The facility enables the client to remove pressure from the current lender and set them on the path to their next investment purchase. A really nice mixed use mortgage completed! #mixeduseproperty #semicomme
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Lime Finance Solutions @limefinance.bsky.social · 04/09/2026
A Perrsonal Guarantee (PG) is often essential for limited company borrowing, blurring the line between your business & personal assets. A PG provides a director's personal commitment to repay the debt if the company fails, making the loan statistically less likely to fail. 5 Key Things to Check Be
bit.ly
Five Things to Look Out for When Agreeing to a Personal Guarantee
Before signing a personal guarantee for your limited company borrowing, understand the key risks and protections available. Learn five crucial things every UK director should know.
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Lime Finance Solutions @limefinance.bsky.social · 03/09/2026
AI is fundamentally reshaping the commercial mortgage journey, making it faster, fairer, and more data-driven. The 5 key changes impacting commercial borrowers: Automation: Drastically cuts processing time by using OCR to scan financial documents in minutes, not days. Predictive Analytics: Assess
bit.ly
5 Powerful Ways AI Is Transforming Commercial Mortgage Applications
Discover 5 ways AI is changing commercial mortgage applications in the UK. Learn how automation, analytics, fraud detection, and personalised lending are transforming the commercial mortgage landscape.
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Lime Finance Solutions @limefinance.bsky.social · 02/09/2026
What could UK interest rates look like in 2026? A year of stability, not a race to the bottom. Economists agree the BofE is approaching the end of its rate-cutting cycle. The base rate is largely anticipated to stabilise between 3.0% and 3.5% as inflation falls closer to target. Key takeaway for b
bit.ly
What WIll UK Interest Rates Look Like in 2026?
The consensus among major financial institutions suggests that 2026 will mark the completion of the UK’s monetary easing cycle. Driven by continued success in bringing down inflation and signs of a cooling labour market, the Bank of England (BoE) is widely expected to cut the base rate further from its current level (4% as of late 2025). Most forecasts project the Bank Rate will settle in a range between 3.0% and 3.5% by the end of 2026, transitioning from restrictive policy to a more neutral stance.
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Lime Finance Solutions @limefinance.bsky.social · 01/09/2026
For any business owner seeking funding, knowing your EBITDA is essential. EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortisation) gives lenders a clear view of your operational cash generation. They rarely use the standard figure, focusing instead on Adjusted EBITDA to determine:
bit.ly
Decoding EBITDA: How Lenders Use This Crucial Metric
Understand how to calculate EBITDA, why it's a vital measure for business valuation, and its critical importance to lenders when assessing loan eligibility and risk. SEO focused on 'what is ebitda?'.
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Lime Finance Solutions @limefinance.bsky.social · 01/09/2026
Delighted to see this HMO buy to let mortgage complete for a brilliant client. The HMO was without planning permission, albeit for a good reason. It is these simple variables that can sometimes break a mortgage offer. Job done, finance completed! #HMO #HMOmortgage #buytolet #propertyfinance #limef
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Lime Finance Solutions @limefinance.bsky.social · 28/08/2026
5 Ways AI is Transforming Commercial Mortgages The world of commercial lending is evolving fast. AI isn't just a buzzword; it’s estimated that AI-enabled approvals will reduce commercial mortgage processing times by over 40% in 2026. Here are the 5 biggest ways AI is impacting applications right
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Lime Finance Solutions @limefinance.bsky.social · 27/08/2026
Good news on the market front — last week's dip turned out to be just a summer blip. Sales agreed jumped from 21.7k to 24.4k in a week, so the wobble wasn't anything to worry about. Pricing still matters hugely though: four in five homes sold this year went through without a price cut, while half of
propertyindustryeye.com
UK property market bounces back after last week’s summer wobble
After last week’s unexpected drop in sales agreed, the overall picture is looking better
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Lime Finance Solutions @limefinance.bsky.social · 26/08/2026
propertyindustryeye.com
UK property market bounces back after last week’s summer wobble
After last week’s unexpected drop in sales agreed, the overall picture is looking better
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Lime Finance Solutions @limefinance.bsky.social · 25/08/2026
Good news on the market front — last week's dip turned out to be just a summer blip. Sales agreed jumped from 21.7k to 24.4k in a week, so the wobble wasn't anything to worry about. Pricing still matters hugely though: four in five homes sold this year went through without a price cut, while half of
propertyindustryeye.com
UK property market bounces back after last week’s summer wobble
After last week’s unexpected drop in sales agreed, the overall picture is looking better
000
Lime Finance Solutions @limefinance.bsky.social · 25/08/2026
Super delighted to have completed this Development Mortgage for one of our happy property developer clients. Overcoming a few land issues and property restrictions on the way! Big thank you to the lender for working with us and the solicitors for getting this one done! #developmentlending #develop
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Lime Finance Solutions @limefinance.bsky.social · 21/08/2026
Is 2026 the time commercial landlords sell to their existing tenants? With increasing operational costs, essential EPC requirements (C by 2027), and potential Capital Gains Tax changes, a tenant buyout is becoming an ever more ideal exit strategy. Benefits for landlord: Speed and Certainty Reduc
bit.ly
Commercial Property: Why 2026 Could Be the Year Landlords Sell to Their Tenants
The UK commercial property sector faces a strategic turning point in 2026, driven by rising maintenance costs, imminent EPC deadlines, and potential Capital Gains Tax changes. This environment is making a streamlined exit strategy highly desirable for landlords
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Lime Finance Solutions @limefinance.bsky.social · 20/08/2026
The average first-time buyer today is 34, not mid-twenties like a decade ago. That should make all of us in this industry ask: are we building for the buyer who's actually out there, or the one we still imagine? First-time buyer numbers are up in 2026, which is genuinely good news. But there's more
bit.ly
Are we actually set up to support first-time buyers?
After a summer spent thinking it over, this time of year is often the point where first time buyers decide whether they’re going to push on and be in their new home for Christmas, or hold off for another 12 months. It’s a good moment, therefore, to take stock of what the first time buyer […]
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Lime Finance Solutions @limefinance.bsky.social · 19/08/2026
Mortgage lending criteria changed over 3,000 times in July alone. That's how fast this market moves. Arrears, defaults, tricky employment history — none of it needs to be the end of the road. The best move is to not be afraid and ask for professional support. I'm always happy to have that conversati
bit.ly
Mortgage market complexity continues to reshape broker searches in July – Knowledge Bank
“Maximum age at end of term” retained the number-one search position in July, while “Joint Borrower Sole Proprietor” remained second.
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Lime Finance Solutions @limefinance.bsky.social · 18/08/2026
Tax Calculation vs. Tax Year Overview: What’s the Difference? If you're a director, landlord, or self-employed professional applying for a commercial mortgage, your lender will nearly always ask for these two documents. Getting them mixed up is one of the most common reasons for application delay
000
Lime Finance Solutions @limefinance.bsky.social · 18/08/2026
Delighted to see this working capital finance complete for one of our superb customers. The facility enables the client to grow their business and better meet the demand they are seeing. A fast turnaround business loan completed. #smallbusiness #businessloan #cashflow #SME #limefinancesolutions
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Lime Finance Solutions @limefinance.bsky.social · 14/08/2026
Five Things to Look Before Signing a Personal Guarantee. If you’re a business owner or director, a Personal Guarantee (PG) is often the key to unlocking finance. But it also means your personal assets - like your home or savings - may be on the line. Here are 5 important things to check. #Busin
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Lime Finance Solutions @limefinance.bsky.social · 13/08/2026
Two in five UK adults say money worries are affecting their mental health this year — and one in ten are worried if they can keep up with their mortgage. Reading this report from St. James's Place, I am not surprised, because when money sits heavy on your mind, it touches everything else too. If th
bit.ly
Mortgage pressures weigh on health as households lack financial safety net
Two in five UK adults say their finances have harmed their mental health over the past year, with one in 10 worried about meeting mortgage repayments. Research by St. James’s Place (SJP) found that 40% of adults believed their financial position had negatively affected their mental health, while 38% reported an impact on their physical […]
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Lime Finance Solutions @limefinance.bsky.social · 12/08/2026
Is there really a "typical borrower" in commercial finance anymore? Not from where I sit. More directors with complex income, more CCJs on file, more businesses that don't fit a neat box. None of that rules a deal out — the detail is what matters, and knowing which lenders actually look past the lab
bit.ly
Is there such thing as a ‘typical borrower’ anymore?
What is a typical borrower? A few decades ago, it would have been a salaried employee, single source of income and, most likely, a clean credit file. However, the financial crisis, a pandemic, a cost-of-living shock and a fundamental shift in working patterns have made that question much harder to answer today. 20 years ago, […]
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Lime Finance Solutions @limefinance.bsky.social · 11/08/2026
A question I get asked more and more by landlords right now: "Elena, what can I actually control in this market?" Honest answer — not much, when it comes to inflation, government policy or where rates go next. But cashflow? That, you can manage. The biggest single cost for most landlords is the mo
bit.ly
Managing cashflow and risk in today’s turbulent market
Over the past decade buy-to-let landlords have become accustomed to operating in a market where it can often feel like change is the only constant. Since 2016, the UK has seen Brexit play out and seven Prime Ministers – a bonus point if you can name them in order – with these major political shifts […]
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Lime Finance Solutions @limefinance.bsky.social · 11/08/2026
Super happy to have completed this refinance for one of our regular clients. Solving a few lease issues and reducing their cost of borrowing. Big thank you to the lender for working with us and the solicitors for getting this one done! #remortgage #commercialmortgage #mortgage #London #property
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Lime Finance Solutions @limefinance.bsky.social · 07/08/2026
A question I get asked more and more by landlords right now: "Elena, what can I actually control in this market?" Honest answer — not much, when it comes to inflation, government policy or where rates go next. But cashflow? That, you can manage. The biggest single cost for most landlords is the mo
bit.ly
Managing cashflow and risk in today’s turbulent market
Over the past decade buy-to-let landlords have become accustomed to operating in a market where it can often feel like change is the only constant. Since 2016, the UK has seen Brexit play out and seven Prime Ministers – a bonus point if you can name them in order – with these major political shifts […]
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