Commercial finance brokers · UK-wide
Commercial finance is not theoretical to us.
Our brokers have taken on personal guarantees, invested in property and run businesses of their own.
That experience shapes how we work. We arrange ten types of commercial finance for business owners, investors and developers, with a clear understanding of the deadlines, risks and decisions involved. When completion is only three weeks away, we recognise the urgency immediately and focus on getting the right funding in place.
Property finance
Business lending
Cash flow and trade
Why this is different
We have been on your side of the desk.
We learned this trade as borrowers — buying, refurbishing, letting and refinancing our own property, and running our own businesses through the same VAT quarters and the same rate rises as yours.
It changes what we do with your case. We know that a facility offered at a headline rate but with a three-month minimum term can cost more than a dearer facility with none. We know that an exit that depends on a sale you have not yet agreed is not an exit. And we know what it costs you personally when a lender goes quiet in week five — because we have been on that end of the phone with our own money at stake.
So you get a straight answer early, and a route to the outcome you are after — which is usually a different structure rather than a smaller ambition. That is why clients come back and why they refer people to us.
What we arrange
Ten facilities, in three groups.
Grouped by what you are trying to achieve rather than by product name, so it is easy to find your way to the right one. If two of them look close, a short call will settle it.
Property finance
- Bridging financeShort-term, security-led lending for purchases that will not wait.£50k to £25m · Days to weeks
- Buy-to-let mortgagesTerm debt on rental property, personally or through an SPV.£25k to £2m per property · 4 to 8 weeks
- Commercial mortgagesTerm debt against trading premises and commercial investment property.£100k to £25m · 6 to 12 weeks
- Development financeStaged funding for ground-up build, conversion and heavy refurbishment.£250k to £50m · 4 to 10 weeks
Business lending
- Business loansTerm debt for the business itself, secured or unsecured.£10k to £500k unsecured · 48 hours to 3 weeks
- Asset financeFunding for equipment, vehicles, plant and machinery.£5k to £5m · 24 hours to 1 week
- Acquisition financeFunding the purchase of a business, or a buy-out of shareholders.£250k to £25m+ · 8 to 16 weeks
Cash flow and trade
- Merchant cash advanceAn advance against future card takings, repaid as a share of them.£3k to £500k · 24 to 72 hours
- Invoice financeReleasing cash tied up in unpaid sales invoices.80–90% of ledger · 1 to 3 weeks to set up
- Trade financeFunding the gap between paying a supplier and being paid.£25k to £5m per cycle · 2 to 4 weeks to set up
How it runs
From first call to funds released.
Four stages, and you will always know which one you are in and what we are waiting on. Nobody here leaves you guessing.
- 1
The call
Twenty minutes, usually. What the asset is, what you paid or are paying, what you want to do with it, and how you get out. You will leave that call knowing what looks workable and what we would change.
- 2
Terms, in writing
We come back with real indicative terms from named lenders — rate, fees, term, LTV, and the conditions attached. Not a range, and not a promise to look into it.
- 3
Submission and valuation
We package the case the way that lender's credit team wants to read it, and we chase the valuer. Most delays live here, and most of them are avoidable.
- 4
Legals and drawdown
We stay between your solicitor and theirs until funds move. On development facilities we stay on after drawdown, for every stage release.
Recent work
A bridge that had to beat a lease expiry.
A trading business needed to buy the freehold of the unit it had occupied for eleven years. The landlord gave a short window before marketing it openly, and the client’s bank could not move a term loan inside it. We bridged the purchase against the property and the client’s existing investment flat, then refinanced onto a commercial mortgage once the accounts for the year were filed.
Facility summary
- Facility
- Bridge to term
- Two-stage, one broker
- Purpose
- Freehold purchase
- Owner-occupied trading premises
- Exit
- Commercial mortgage
- Criteria confirmed in writing before the bridge was drawn
- Outcome
- Freehold secured
- Inside the landlord's window, with the term facility lined up
Who we act for
- Property investors holding single units through to mixed portfolios, refinancing and buying at auction.
- Developers on schemes from a two-unit conversion to multi-plot sites, funded in stages.
- Business owners buying the premises they trade from, or releasing equity from one they already own.
Faster than most people expect. What sets the pace is the valuation slot and the solicitor's title work rather than the lender's decision. On a clean, registered title with searches in hand and a valuer available that week, completion inside a fortnight is realistic.
We will tell you which of those two situations you are in on the first call, because it changes what you should agree with the seller.
Our fee is agreed with you in writing at the point we present terms, and on the great majority of cases it is payable on completion — so it is paid out of a facility that has actually worked for you.
You will see it alongside the lender's arrangement fee, the valuation and a legal estimate for both sides, on one page, before you commit to anything. There is no charge for the first conversation and none for indicative terms.
Not at the first conversation. We work from the numbers you give us and from soft criteria checks with lenders, neither of which leaves a footprint. A hard search happens only when you have seen the terms, agreed them, and told us to submit.
No. We place business across high street banks, challenger banks, specialist lenders and private funders, and we are paid the same regardless of which one writes the loan.
Where a case is better served by a specialist packager with a relationship we do not have, we will tell you that and introduce you rather than force it through our own panel.