Property & Commercial Finance
Bridging, development, property and business finance for developers, investors and business owners. We assess the structure, security and exit before selecting a lender.
What are you financing?
Choose the transaction first. The product and lender should follow from the structure of the deal.
Bridging Finance
Short-term property-backed funding for acquisitions, refurbishment, timing gaps and other transactions where conventional finance is too slow or unsuitable.
Explore bridging →Development Finance
Staged funding for ground-up schemes, conversions and substantial refurbishment, structured around cost, GDV, programme and exit.
Explore development →Property Finance
Commercial mortgages, buy-to-let and semi-commercial finance for property held for occupation, investment or refinance.
Explore property finance →Business & Asset Finance
Funding for equipment, vehicles, working capital and business investment where the requirement sits outside property finance.
Explore business finance →What lenders will look at
Finance becomes easier to place when the underlying credit questions have been answered before the application is made.
Structure
What is being funded, how much capital is required, where borrower equity sits and whether the proposed facility matches the transaction.
Security
The quality, value, tenure, condition and marketability of the property or assets supporting the lending.
Exit
How the facility will be repaid, what evidence supports that route and what happens if the primary exit takes longer than expected.
Borrower credibility
Experience, financial resilience, track record and the quality of the information supplied to support the case.
Risk and structure first. Lender second.
The availability of finance does not necessarily make a transaction a good use of capital.
We review the requirement, security, leverage, cash flow and exit before approaching lenders. The objective is to identify likely friction early, structure the case realistically and approach funders whose appetite fits the transaction.
For development cases, that can include an independent stress-test of GDV, build cost, programme and exit assumptions before lender engagement.
“We treat others as we would wish to be treated.”
Our responsibility is to exercise sound judgement, explain matters honestly and recommend only what we genuinely believe is in the client’s best interests. Sometimes that means arranging finance. Sometimes it means suggesting a different course of action.
Run the numbers before approaching a lender.
Tools should help assess the transaction, not merely calculate a repayment.
Property Project Calculator
Model project costs, borrowing, refinance leverage and overall viability before lender engagement.
Open calculator →Stamp Duty Calculator
Estimate transaction taxes across England, Scotland and Wales as part of the acquisition cost.
Open calculator →UK Swap Rate Monitor
Follow UK swap-rate movements and consider their effect on term finance, refinance and lender appetite.
Open monitor →Have a transaction you would like us to assess?
Give us the broad outline. We will tell you what appears realistic and what needs further evidence.