Costs & pricing
What UK commercial finance actually costs — rates, fees, valuations, legals and exit charges, explained without the sales gloss.
A plain-English breakdown of bridging loan costs — interest, arrangement fees, valuation and legals — so you can budget with confidence.
How bridging finance interest rates are set, what moves them, and how to make sure you're being quoted a competitive rate.
What a commercial mortgage really costs — arrangement fees, valuation, legals and rate structures — explained clearly.
Understand business loan APR, arrangement fees and repayment structures so you can compare offers accurately.
What deposit and costs to expect when financing vehicles, plant or equipment, and how HP compares to leasing.
How invoice finance is priced — service fees, discount charges and disbursement rates — explained in plain English.
How commercial finance brokers charge — fee-based, lender-paid or hybrid models — and what to ask before you instruct one.
What valuation fees cost across bridging, commercial mortgages and development finance, and who pays them.
What legal fees to expect when arranging bridging, commercial mortgage or development finance, and how to keep them under control.
How development finance is priced — arrangement fees, drawdown interest, monitoring surveyor costs and exit fees.
How early repayment charges work across bridging, commercial mortgages and business loans, and how to avoid unexpected costs.
What it costs to refinance a buy-to-let or commercial property portfolio, and how to weigh it against a rate saving.
How it works
Step-by-step walkthroughs of applications, valuations, underwriting and drawdown so you know what happens and when.
A step-by-step guide to getting a bridging loan in the UK: eligibility, valuation, exit strategy and realistic timescales.
How lenders assess bridging loan exit strategies, from sale and refinance to development completion, and what evidence they need.
What actually happens during a UK commercial mortgage application, from initial terms to completion, and how long each stage takes.
Everything a UK lender typically asks for on a business loan application, and how to prepare it before you apply.
How UK asset finance applications are assessed, what documents are needed, and typical timescales for vehicles, plant and equipment.
How UK invoice finance facilities are set up, from due diligence to first drawdown, and what to expect in the first few weeks.
The documents UK lenders typically ask for on bridging, commercial mortgage and property finance applications, gathered in one place.
How RICS valuations, desktop valuations and AVMs are used in UK property finance, and how downvalues are typically handled.
How UK commercial finance lenders assess risk and reach underwriting decisions, and what genuinely moves an application forward.
How to refinance a bridging loan onto a term mortgage or a new bridge, and how to plan the timing to avoid default rates.
A week-by-week timeline for arranging finance on an auction property purchase, from pre-auction preparation to completion.
What a whole-of-market commercial finance broker does day-to-day, how they're paid, and what to expect from the relationship.
Compare your options
Straight comparisons between the products people confuse most, with a clear view of when each one wins.
Bridging loan or mortgage? Compare speed, cost and use-case so you fund the right way. Whole-of-market broker, call 0345 2690628.
Bridging or development finance for your project? Compare drawdowns, works funding and speed. Whole-of-market advice: 0345 2690628.
Compare secured and unsecured business loans on rate, speed and amount. Whole-of-market broker advice, call 0345 2690628.
Hire purchase or leasing for equipment and vehicles? Compare ownership, VAT and cost. Whole-of-market broker advice: 0345 2690628.
Factoring or discounting for your invoices? Compare control, cost and disclosure. Whole-of-market broker advice, call 0345 2690628.
Broker or apply direct? Compare access, cost and time when arranging commercial finance. Whole-of-market advice: 0345 2690628.
Commercial or buy-to-let mortgage — which applies to your property? Compare use, rates and criteria. Call 0345 2690628.
Fixed or variable rate for your commercial loan? Compare certainty vs flexibility. Whole-of-market broker advice: 0345 2690628.
First charge or second charge finance — what's the difference and which applies to you? Broker advice, call 0345 2690628.
Regulated or unregulated bridging — what's the difference and does it matter to your deal? Whole-of-market broker: 0345 2690628.
Merchant cash advance or a business loan — compare repayment structure and cost. Whole-of-market broker advice: 0345 2690628.
Private bank or high-street lender for your finance? Compare flexibility, service and criteria. Whole-of-market broker: 0345 2690628.
Sectors & audiences
Funding routes by audience and sector — landlords, developers, operators and first-time commercial buyers.
Whole-of-market finance for UK landlords — purchase, remortgage and portfolio funding, individual or limited company, arranged across our lender panel.
Development finance for UK property developers — site acquisition, build costs and mezzanine funding structured against GDV, arranged whole-of-market.
Specialist HMO finance for investors — purchase, licensing-driven refurbishment and refinance, arranged across lenders who actually price HMO income.
Limited company and SPV buy-to-let finance for UK landlords — purchase, portfolio and remortgage lending arranged across the specialist lender panel.
Finance for UK hospitality businesses — pub, hotel and restaurant purchase, refurbishment and working capital, arranged whole-of-market.
Finance for UK manufacturers — machinery and plant funding, premises purchase and working capital, arranged across our whole-of-market lender panel.
Finance for UK logistics and haulage businesses — HGV and trailer funding, depot purchase and invoice finance, arranged whole-of-market.
Finance for UK retail businesses — shop premises purchase, stock funding and fit-out finance, arranged across our whole-of-market lender panel.
Finance for UK care homes and care businesses — purchase, extension and refinance funding, arranged with specialist healthcare property lenders.
Finance for UK construction firms — plant and machinery funding, contract-stage cashflow and premises finance, arranged whole-of-market.
Finance for UK professional practices — partner capital, premises purchase and practice acquisition funding for solicitors, accountants and clinicians.
Guidance and finance for first-time UK commercial property buyers — what lenders expect, typical deposits and how to strengthen an early application.
Rather just talk it through?
A five-minute call usually beats an hour of reading. Tell us the deal and we'll tell you honestly whether it's fundable.