Aviella

Commercial Finance

Solutions Tailored to Your Business

Expert-led funding solutions from the team at Aviella Consulting Ltd

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Aviella Commercial Finance provides tailored commercial funding solutions designed to support ambitious businesses at every stage of growth. From property finance and business loans to refinancing and expansion funding, we help you access flexible finance that aligns with your commercial goals, not one-size-fits-all products.


Aviella Commercial Finance, part of Aviella Consulting Ltd Group, delivers specialist commercial finance expertise alongside broader financial consulting and advisory services. This joined-up approach allows us to look beyond the numbers, ensuring every funding solution supports your wider business strategy.


Working with a wide panel of UK lenders, we source competitive finance options that are often unavailable on the high street. Whether you’re investing in commercial property, improving cash flow or planning your next phase of growth, our experienced team provides clear advice, transparent guidance and ongoing support from initial enquiry through to completion.

No knowledge of the business

You could be compelled to work with an uninformed family member of your deceased partner, giving them equal say in the business. This situation could disrupt or upset other shareholders. The family might also consider selling their shares to a competitor or unsuitable buyer.


Additionally, if your partner or director falls critically ill, it creates uncertainty for the business. Will they return to work or want to sell their shares after a health scare?

When the unexpected happens

Unlike other business protections, shareholder or partnership protection focuses on individuals rather than the company, addressing issues that may arise unexpectedly.


Shareholders and partners have similar protection needs, allowing you and your partners to maintain ownership by enabling a ‘buy out’ of a colleague’s share if they die or are too ill to continue working, at a fair price.

Why not schedule in an appointment with one of our team

We will help explore your insurance needs


Ensure control of the company

It can help ensure that the company's control remains with current owners and that heirs receive full value for shares. If the Articles of Association include a pre-emption clause, remaining shareholders can automatically buy the shares of a deceased or incapacitated partner.


Without a partnership agreement, the partnership ends upon a partner's death. With proper arrangements, remaining owners can avoid the challenge of raising capital to buy out a critically ill partner or their heirs, thus maintaining control of the business.

Establish the sums assured needed

If you are self-employed, no work usually means no income. However, you might still earn from previous work, even if ill for months. The self-employed can secure individual policies rather than business ones, but it's important to clarify how the insurer pays out.


Typically, payment is based on your pre-tax share of gross profit, minus trading expenses, in the 12 months before your incapacity. Some policies use a three-year average to account for fluctuating self-employed incomes.

Why not schedule in an appointment with one of our team

We will help explore your insurance needs