Welcome to Zen Commercial Finance
We at Zen Finance understand how confusing the world of commercial finance and insurance can be and aim to offer a well-informed service to our clients from initial enquiry through to conclusion. Zen Finance is a trading name of Patterson Business Development Ltd.
Complete Solutions
The type of finance a business requires can be difficult to identify. Bankers often create confusion by failing to explain why certain types of finance are more suitable than others. At Zen Finance we take the time to explain to our clients the reasons for our recommendations and ensure understanding.
Why choose an independent broker?
Banks and other lenders are the obvious starting point for individuals and businesses seeking finance. But if you go to a bank they will only sell their own products, which may or may not be competitive or suitable.
Financial regulation is changing to make it harder for organisations that appear to be offering independent advice, but are in reality only offering their own products. The regulation is in a state of flux and will not be settled for several years. So banks are fighting a rearguard action to enable them to continue to pressure loan customers into accepting their own insurance that they promote and make a lot of money from. Banks do not operate as insurers, so get commission without taking any underwriting risk.
With the financial crisis, banks are being cautious on how much they lend, the price they charge and who they will accept as a customer....
Case Studies
Client : Vision Basics Ltd
Business Insurance
“I can’t thank Zen Finance enough, their expertise has resulted in a vastly improved cashflow while reducing my business risks”
Norma Baillie, MD of Vision Basics Ltd
Client : Energy Saving Centre Ltd
Start up Finance
“Without the assistance of Zen Finance I would have struggled to cope with our first few orders and may have had to walk away from the excellent opportunity I had. The short term nature of the facility gave me the added security of knowing the costs would be minimal. Would have no issue recommending Zen Finance to others”
Hugh Mulgrew, MD of Energy Saving Centre Ltd
Our Services
Commercial Finance
Commercial Insurance
Start up Finance
Commercial Mortgages
Get a Quote
Online Finance Quote
Online Insurance Quote
Working in Partnership
We are proud of our long relationships with the leading lenders and insurers throughout the UK. This enables Zen Finance access to the very best products and services available to our customers.