Lender directory

UK commercial lender directory

211 lenders and 265 product entries across six segments. Filter by deal size, leverage and broker access to build a shortlist in seconds.

Lender or appetiteLoan amount (£)Minimum LTV neededBroker-accessible only

265 entries match

365 Finance
Commercial loans (SME & corporate) · Non-bank specialist
Broker friendly
UK SMEs, including retailers, restaurants, cafés and online businesses; funding supports operations, inventory, expansion and cash flow.
Loan size
£10k – £500k
Max leverage
Up to 100% of average monthly credit and debit card turnover
Rates & fees
No interest or APR; one all-inclusive fee; no hidden costs, late fees or early repayment penalties.
Term
No fixed term; repayments continue until the advance is fully repaid.
Speed
Application under five minutes; decisions and funding can be available within 24 hours.
Broker access
Direct online applications; also works with finance brokers and introducers.
How to apply
Online application; partner/introducer route
Visit lender website
Al Rayan Bank
Commercial mortgages · Challenger/specialist bank
Broker friendly
Commercial property purchase or refinance across England, Wales and Scotland; Sharia-compliant uses only.
Loan size
£2.5m – £32m
Max leverage
Not published
Rates & fees
Negotiable rates; arrangement fee; no early settlement fee; administration fee may apply on sale.
Term
1–25 years; profit-only, partially amortising and fully amortising options.
Speed
Not published
Broker access
Direct applications via Commercial Property Finance team; broker distribution not published.
How to apply
Not published
Visit lender website
Aldermore ABL
Invoice finance · Challenger/specialist bank
Broker friendly
Businesses generally require £750,000 minimum turnover. Supports SMEs and larger asset-rich businesses across multiple sectors.
Loan size
Not published
Max leverage
Up to 90% of invoice value advanced; maximum LTV not published.
Rates & fees
Service fee on invoice value plus discount fee on advanced balance; pricing depends on facility and business size.
Term
Short-term borrowing; contract duration negotiable.
Speed
Not published; asset valuation and agreement precede funding.
Broker access
Direct business enquiries; intermediaries directed to Aldermore's intermediary page.
How to apply
Intermediary submission via broker site
Visit lender website
Aldermore Asset Finance
Asset finance · Challenger/specialist bank
Broker friendly
Sole traders, partnerships, LLPs and limited companies; construction, transport, agriculture, energy, infrastructure and fleet assets.
Loan size
Not published
Max leverage
Not published
Rates & fees
Rates not published; hire purchase option-to-purchase fee applies, amount not stated.
Term
Not published; minimum-term and fixed-term agreements available.
Speed
Daily payment runs can quickly release funds; specific timeframe not published.
Broker access
Direct enquiries; broker-only status and intermediary portal not published. Named field and office contacts available.
How to apply
Intermediary submission via broker site
Visit lender website
Aldermore Bank
Development finance · Challenger/specialist bank
Experienced developers; residential, commercial, mixed-use, PBSA, refurbishment and conversion projects in England, Wales and mainland Scotland.
Loan size
£1m – £50m
Max leverage
Maximum 65% LTGDV, including rolled-up interest
Rates & fees
Fixed or variable rates; pricing and arrangement fees agreed deal-by-deal. Valuation, legal and Quantity Surveyor fees apply.
Term
Up to 30 months
Speed
Drawdowns typically paid within one working day after receiving the request.
Broker access
Not published
How to apply
Intermediary submission via broker site
Visit lender website
Aldermore Bank PLC
Commercial loans (SME & corporate) · Challenger/specialist bank
Broker friendly
Commercial investment, owner-occupied, semi-commercial, MUFHs, HMOs, residential investment, invoice finance, asset-based lending and term loans
Loan size
£25k – £3m
Max leverage
Up to 70% commercial LTV; 75% residential investment LTV; offices capped at 60%
Rates & fees
Commercial mortgage rates 6.54%–8.04%; variable rates over base; 2% arrangement fee; 1.5% broker procurement fee
Term
Commercial mortgages up to 20 years; Growth Guarantee term loans 3 months–6 years
Speed
Not published
Broker access
Intermediary distribution; commercial mortgage and CRE contacts provided. Direct application route not published.
How to apply
Intermediary submission via broker site
Visit lender website
Aldermore Bank PLC
Commercial mortgages · Challenger/specialist bank
Broker friendly
Commercial, semi-commercial, offices, industrial, retail, HMOs, MUFBs, owner-occupied property and residential investment portfolios.
Loan size
£500k – £100m
Max leverage
Up to 75% LTV; commercial lending generally up to 70%, offices up to 60%.
Rates & fees
Indicative rates from 6.39%; variable rates over base. Arrangement fee 2%; broker procurement fee 1.5%.
Term
Up to 20 years; fixed periods of 2, 3, 5 or 7 years. Variable rates minimum two years.
Speed
Dedicated specialist teams; manually underwritten and individually assessed. Quick decisions referenced, but completion times are not published.
Broker access
For intermediary use only for £500,000–£3 million lending; larger loans also offered through Aldermore teams.
How to apply
Intermediary submission via broker site
Visit lender website
Aldermore Invoice Finance
Invoice finance · Challenger/specialist bank
Businesses raising invoices, generally with minimum annual turnover of £750,000; SMEs across multiple industries.
Loan size
£2m – ?
Max leverage
Up to 90% of invoice value advanced upfront.
Rates & fees
Service fee plus discount fee; pricing depends on facility requirements and business size. Rates not published.
Term
3 months to 3 years under the Growth Guarantee Scheme; standard term not published.
Speed
Quick access to cash is advertised; specific completion times not published.
Broker access
Direct through Aldermore; invoice discounting may be confidential, while factoring is predominantly disclosed.
How to apply
Intermediary submission via broker site
Visit lender website
Allica Bank
Bridging finance · Challenger/specialist bank
Broker friendly
UK registered companies, LLPs, partnerships and sole traders; residential, semi-commercial and commercial property in England, Scotland and Wales.
Loan size
£150k – £10m
Max leverage
Up to 75% LTV residential/semi-commercial; 70% commercial; refurbishment up to 85% residential.
Rates & fees
Fixed monthly rates from 0.69%; standard arrangement fee 2%, deducted from advance.
Term
Up to 24 months; interest retained or serviced.
Speed
Not published
Broker access
Intermediary channel via Introducer Portal; guide marked for intermediary use.
How to apply
Introducer Portal submission
Visit lender website
Allica Bank
Commercial loans (SME & corporate) · Challenger/specialist bank
Broker friendly
Established UK businesses, limited companies, LLPs, partnerships and sole traders; growth finance typically requires £5m+ turnover and £500k+ EBITDA.
Loan size
£1 – £15m
Max leverage
Up to 75% LTV residential/semi-commercial bridging; 70% commercial bridging and Stabiliser; 75% owner-occupied mortgage
Rates & fees
Business loans 9.90%–13.75% plus 3% fee; mortgages 1.5%–2% fees; Stabiliser from 6.45%
Term
Business loans 1–5 years; mortgages up to 25–30 years; growth finance 3–6 years; bridging up to 24 months
Speed
Business loan decision targeted by the next working day; funding can follow promptly when documentation is complete.
Broker access
Direct application and relationship-manager support; broker-only status and intermediary portal not published.
How to apply
Introducer Portal submission
Visit lender website
Allica Bank
Commercial mortgages · Challenger/specialist bank
Broker friendly
UK limited companies, LLPs, partnerships and sole traders; owner-occupied, investment, semi-commercial, healthcare and specialist BTL
Loan size
£150k – £15m
Max leverage
Up to 80% LTV generally; commercial mortgages typically up to 70% LTV
Rates & fees
Arrangement fees generally 1.5%–2%; commercial investment rates from 6.05% fixed or Base Rate plus 2.10%
Term
Three months–30 years; commercial mortgages generally 5–25 years
Speed
Instant decision-in-principle facility available through the Introducer Portal
Broker access
Intermediary channel with Introducer Portal, named contacts and BDM/SRM support; direct availability not fully stated
How to apply
Introducer Portal submission
Visit lender website
Allica Bank
Development finance · Challenger/specialist bank
Broker friendly
Residential, commercial, semi-commercial, refurbishment and development-exit lending across England, Scotland and Wales.
Loan size
£150k – £10m
Max leverage
Up to 75% LTV; 70% for commercial; refurbishment funding up to 100% of works.
Rates & fees
Standard bridging arrangement fee 2%; other rates and fees not published.
Term
Bridging terms up to 24 months; development finance term not published.
Speed
Instant decision-in-principle facility available; completion speed not published.
Broker access
Intermediary use only, via Introducer Portal, introducers and BDM/SRM contacts.
How to apply
Introducer Portal submission
Visit lender website
Allica Bank Asset Finance
Asset finance · Challenger/specialist bank
Broker friendly
Established UK businesses trading at least 24 months; hard, medium, soft and green assets
Loan size
£20k – £2.5m
Max leverage
Up to 100% advance
Rates & fees
Indicative yields from 6.95%; £295 documentation fee
Term
12–84 months; up to seven years
Speed
Not published
Broker access
Direct and broker panel
How to apply
Introducer Portal submission
Visit lender website
Allica Bank invoice finance
Invoice finance · Challenger/specialist bank
Established businesses with 5–250 employees; invoice finance eligibility and sector appetite not published.
Loan size
£100k – £5m
Max leverage
Up to 90% upfront advance
Rates & fees
Flexible pay-as-you-go; fees payable when invoices are financed; amounts not published
Term
Not published
Speed
Not published
Broker access
Not published
How to apply
Introducer Portal submission
Visit lender website
Alternative Bridging Corporation (Cheval) Limited
Bridging finance · Non-bank specialist
Broker friendly
Residential, commercial, investment, owner-occupied, refurbishment, development, auction and refinancing transactions
Loan size
£150k – £4m
Max leverage
Up to 75% LTV; up to 75% LTGDV for light refurbishment
Rates & fees
Rates from 0.75% monthly; regulated loans from 0.775%; no upfront regulated finance fees stated
Term
Typically 3–24 months; regulated loans 3–12 months
Speed
Not published
Broker access
Provides finance to brokers and clients; individual in-house underwriting
How to apply
Not published
Submission route not yet verified
Amicus Finance
Bridging finance · Non-bank specialist
Residential, commercial, auction, refurbishment, conversion, part-build and new-build projects
Loan size
£30k – £7m
Max leverage
Up to 75% net LTV residential/refurbishment; 70% commercial/development
Rates & fees
0.7%–1.5% per month, depending on product and LTV; fees not published
Term
Not published; short-term finance
Speed
Residential decision in principle usually provided same day
Broker access
Not published
How to apply
Not published
Submission route not yet verified
Anglo Scottish Asset Finance
Asset finance · Non-bank specialist
Broker friendly
Vehicles, machinery, IT, plant, HGVs, renewables, agriculture, construction, automotive and other business assets; considers non-prime cases.
Loan size
Not published
Max leverage
Not published
Rates & fees
Rates not published; no broker fees; lender commission may apply.
Term
Not published
Speed
Approvals often take 24–48 hours; some deals available within 24 hours.
Broker access
Hybrid direct lender and broker; searches panels exceeding 140 funders and operates nationally.
How to apply
Broker and direct enquiry form
Visit lender website
Anglo Scottish Finance
Invoice finance · Non-bank specialist
Broker friendly
UK SMEs, start-ups, and invoice-reliant businesses, including manufacturing, transport, construction and other sectors.
Loan size
£1k – £2m
Max leverage
Invoice advances typically 70–90%; up to 90% stated. No LTV/LTC/LTGDV published.
Rates & fees
Rates not published; invoice finance fees typically 1%–5%, or 1%–3% for discounting.
Term
Invoice finance: three months to three years under GGS; customer invoices commonly 30–90 days.
Speed
Typical approval: 24–48 hours; funding may be available within days.
Broker access
Broker-led, using an extensive lender panel; online invoice-upload portals may be available.
How to apply
Broker and direct enquiry form
Visit lender website
Apex Loans
Invoice finance · Non-bank specialist
Broker friendly
UK B2B businesses trading 6+ months, £100,000+ turnover and creditworthy debtor books; recruitment and wholesale sectors noted
Loan size
£25k – £5m
Max leverage
Up to 90% of each invoice
Rates & fees
Not published
Term
Rolling facility; repaid as customers settle invoices
Speed
Up to 90% released within 24 hours; initial decisions often within five working days
Broker access
Broker arranging finance through a panel of 300+ UK lenders
How to apply
Online enquiry form
Visit lender website
Arbuthnot Commercial Asset Based Lending
Asset finance · Non-bank specialist
B2B SMEs and lower mid-market corporates; M&A, MBI, MBO, growth and refinancing
Loan size
£1m – £35m
Max leverage
Receivables 95%; stock 100% NOLV; plant 85%; property 80% market value
Rates & fees
Not published
Term
Receivables and stock: up to 120 days; plant: up to 5 years; property: up to 15 years
Speed
Not published
Broker access
Not published
How to apply
Not published
Submission route not yet verified
Arbuthnot Commercial Asset Based Lending
Invoice finance · Non-bank specialist
Broker friendly
B2B SMEs and lower mid-market corporates; M&A, MBO/MBI, growth and refinancing
Loan size
£1m – £35m
Max leverage
Up to 95% of eligible receivables
Rates & fees
Rates and fees not published
Term
Up to 120 days funding
Speed
Prompt decision-making stated; completion timeframe not published
Broker access
Available through introducers and direct client relationships; broker-only status not published
How to apply
Not published
Submission route not yet verified
Arbuthnot Latham
Commercial loans (SME & corporate) · Challenger/specialist bank
Broker friendly
SMEs, mid-market corporates, property investors and SPVs across real estate, construction, manufacturing, media, technology and trading.
Loan size
£25k – £20m
Max leverage
Up to 65% LTV for commercial buy-to-let; other leverage limits not published.
Rates & fees
Competitive pricing; variable and fixed rates available. Indicative rates and fees not published.
Term
Typically five-year committed term for commercial buy-to-let; other terms not published.
Speed
Not published
Broker access
Direct access through dedicated bankers; supports introducers and clients. No intermediary portal stated.
How to apply
Not published
Visit lender website
Arbuthnott Latham
Commercial mortgages · Challenger/specialist bank
Broker friendly
Buy-to-let portfolios, single properties, licensed good-quality HMOs, SPVs and complex corporate structures
Loan size
£1m – £20m
Max leverage
Typically up to 65% LTV
Rates & fees
Competitive fixed or variable rates; fees not published
Term
Typically five-year committed term
Speed
Not published
Broker access
Direct and introducer access; not broker-only
How to apply
Not published
Visit lender website
ASK Partners
Development finance · Non-bank specialist
Broker friendly
UK residential, commercial and mixed-use assets; development, conversion, bridge, exit, stabilisation, sales bridge and equity-release finance.
Loan size
£5m – £20m
Max leverage
Maximum 70% LTV; LTC and LTGDV not published.
Rates & fees
Margin from 4% plus Bank of England base rate; arrangement fee from 1%; exit fee from 1%.
Term
Minimum 6 months; development finance typically 12–36 months; maximum not published.
Speed
Fast turnaround; streamlined processes and in-house legal team. Specific completion timeframe not published.
Broker access
Broker-only or direct model and intermediary portal not published.
How to apply
Not published
Visit lender website
Aspen Bridging
Bridging finance · Non-bank specialist
Broker friendly
England and Wales; individual and corporate borrowers, UK and foreign; residential, HMOs, refurbishments, development exits, commercial and semi-commercial.
Loan size
£200k – £15m
Max leverage
Up to 80% LTV; 75% residential/HMO, 70% commercial; 100% works funding in arrears for refurbishments
Rates & fees
Stepped: 0.55% initial, 1.25% secondary, one month's interest exit fee. Flat rates from 0.79%–0.89%.
Term
10–24 months; Bridge-to-Let includes up to 24 months bridging followed by 1–3 years BTL.
Speed
Sub-10 working days; No Valuation transactions potentially complete in two working days.
Broker access
Introducer commission of 1%–2%, dependent on volume; broker-only or direct distribution not published.
How to apply
Not published
Visit lender website
Asset Advantage
Asset finance · Non-bank specialist
Broker friendly
UK SMEs, including start-ups, acquisitions, MBOs, MBIs, soft and hard assets; no stated sector or asset restrictions
Loan size
£15k – £1m
Max leverage
Not published
Rates & fees
Competitive rates; hire-purchase option-to-purchase fee; amounts not published
Term
3–5 years
Speed
Not published
Broker access
Commercial finance brokers; direct availability not explicitly stated
How to apply
Not published
Visit lender website
Assetz Capital
Commercial loans (SME & corporate) · Non-bank specialist
Broker friendly
UK-wide SME property finance covering development, commercial mortgages, bridging, refurbishment, residential, commercial and PBSA projects.
Loan size
£200k – £50m
Max leverage
Up to 75% LTV commercial mortgages; 72–72.5% LTGDV development finance; up to 87.5% LTC.
Rates & fees
Rates from 8.35% p.a.; arrangement fees from 2%, typically including a 1% broker fee.
Term
Development finance up to 3 years; Assetz Elevate up to 24 months; refurbishment finance 6–24 months.
Speed
Not published
Broker access
Intermediary-focused guide; accepts broker and direct enquiries, with regional Relationship Directors and intermediary contacts.
How to apply
Online enquiry and relationship director contact
Visit lender website
Assetz Capital
Development finance · Non-bank specialist
Broker friendly
UK residential and commercial development, conversions, refurbishment, care homes, PBSA, modular property and phased projects.
Loan size
£250k – £50m
Max leverage
Maximum 72% LTGDV including interest; higher possible with additional property security.
Rates & fees
From 8.6% p.a.; arrangement fee from 2.5%, including 1% broker fee.
Term
Up to 3 years, typically structured around construction and exit periods.
Speed
Not published; older materials mention quick turnaround for certain products.
Broker access
For intermediary use; direct borrower contact also available. Nationwide relationship-director coverage; no portal stated.
How to apply
Online enquiry and relationship director contact
Visit lender website
Atom bank
Commercial loans (SME & corporate) · Challenger/specialist bank
Broker friendly
Commercial investment, owner-occupied, semi-commercial and residential investment property; purchase, refinance and equity release.
Loan size
£100k – £10m
Max leverage
Generally up to 75% LTV; up to 70% for loans to £10 million; specialist sector limits apply.
Rates & fees
Variable or fixed pricing; rates not published. Valuation, legal, application, management and early repayment charges may apply.
Term
Fixed-rate terms of 2–6 years; GGS terms up to 6 years. Other terms not published.
Speed
Straightforward criteria and direct broker access to underwriters support faster decisions; completion timing not published.
Broker access
Intermediary and broker-led distribution, with direct access to Atom underwriters.
How to apply
Not published
Visit lender website
Atom bank
Commercial mortgages · Challenger/specialist bank
Broker friendly
UK SME commercial investment, owner-occupied, semi-commercial and residential investment property; purchase, refinance and equity release.
Loan size
£100k – £10m
Max leverage
Up to 75% LTV; up to 70% for loans up to £10 million; specialist criteria may allow higher LTVs.
Rates & fees
Fixed or variable rates; interest rates not published. Standard arrangement fee 2%; procuration fee 1.5% for new-to-bank business.
Term
2–25 years; fixed-rate products available for 2–6 years.
Speed
Quick Quote provides instant indicative quotes; individual underwriting; completion timeframe not published.
Broker access
Exclusively via brokers for new business; panel firms use the Portal, supported by BDMs and telephone BDMs.
How to apply
Not published
Visit lender website
Atom bank
Development finance · Challenger/specialist bank
Broker friendly
Commercial investment, owner-occupied, residential investment, secured business and BNG lending; purchase, refinance and equity release.
Loan size
£100k – £10m
Max leverage
Up to 75% LTV; 70% for loans up to £10 million; BNG lending up to 65%.
Rates & fees
Rates not published. Valuation and solicitor fees cannot be added; arrangement and procurement fees may be added.
Term
Not published for commercial lending; GGS terms up to six years.
Speed
Not published
Broker access
Intermediary-led; applications over £5 million require contact with the BDM team.
How to apply
Not published
Visit lender website
Avamore Capital
Bridging finance · Non-bank specialist
Broker friendly
Residential and mixed-use property, development exits, acquisitions, refurbishment, planning-approved sites, part-complete schemes, overseas residents and commercial-to-residential conversions
Loan size
£250k – £25m
Max leverage
Up to 75% LTV; commercial lending up to 90% LTC and 67.5% LTGDV
Rates & fees
Indicative rate 0.56% monthly; BBR added; 0% exit fee; acceptance and third-party professional fees may apply
Term
3–24 months; commercial bridging 3–18 months
Speed
Not published; timing depends on information supplied during underwriting
Broker access
Direct and intermediary applications; broker calculator, instant indicative terms and NIVO online process
How to apply
Broker calculator and online enquiry
Visit lender website
Avamore Capital
Development finance · Non-bank specialist
Broker friendly
Ground-up, part-complete developments, refurbishment and bridging across mainland England and Wales. Overseas residents, complicated equity structures and OMV lending considered.
Loan size
£250k – £500k
Max leverage
70% Day 1 LTV and LTGDV; up to 85% LTC for part-complete developments.
Rates & fees
From 0.56% monthly; development rates from 6.75% p.a. plus BBR. BBR fixed for loan life. Fees not published.
Term
3–24 months
Speed
No specific completion timeframe published; information delays may extend transaction timescales.
Broker access
Direct and broker-supported. Brokers can use the calculator, download instant terms and contact the Relationship Management team.
How to apply
Broker calculator and online enquiry
Visit lender website
Barclays
Commercial mortgages · High-street bank
Broker friendly
Owner-occupied premises, investment property, limited-company buy-to-let, agricultural land and energy-efficient buildings.
Loan size
£25k – £25k
Max leverage
Typically 70%–75% LTV; up to 90% with additional residential security.
Rates & fees
Rates not published; fixed or Bank Rate tracker. Arrangement fee negotiated, typically 1%–2%; valuation and legal fees apply.
Term
One to 25 years for facilities up to £3 million; up to five years above £3 million.
Speed
Not published
Broker access
Direct offering; broker or intermediary distribution not published.
How to apply
Not published
Visit lender website
Barclays Asset Finance
Asset finance · High-street bank
Broker friendly
UK businesses; vehicles, equipment, machinery, healthcare and eligible green assets
Loan size
£5k – £2m
Max leverage
Not published
Rates & fees
Interest rates and fees not published
Term
Up to seven years
Speed
No completion timeframe published
Broker access
Direct applications through Propel; no broker-only restriction stated
How to apply
Direct and broker introduction
Visit lender website
Barclays Business
Commercial loans (SME & corporate) · High-street bank
UK-based sole traders, partnerships, limited companies, charities, clubs and associations; start-ups and established businesses considered, subject to assessment.
Loan size
£25k – £100k
Max leverage
Not published
Rates & fees
Representative APRs vary; examples include 12.9% and 8.9%. Fixed or variable secured rates. No setup or early-repayment fees stated.
Term
Unsecured: 1–10 years. Secured: up to 25 years.
Speed
Decisions generally within a few days; funds typically within 48 hours after signing.
Broker access
Direct via Barclays app, Online Banking, online application, telephone or branch contact.
How to apply
Direct application; relationship manager route
Visit lender website
Barclays Sales Finance (via MarketFinance)
Invoice finance · High-street bank
UK limited companies and LLPs; SID minimum annual turnover £100,000. Sector and debtor-location considerations apply.
Loan size
Not published
Max leverage
Up to 90% of invoice value advanced
Rates & fees
Rates not published; pay-as-you-go or fixed monthly fees; potential Barclays fees may include management and service charges.
Term
SID: no minimum term or up to 12 months; CID: 12-month term.
Speed
Applications, quotes, setup and funding available; specific timeframe not published.
Broker access
Available through the MarketFinance platform; Barclays may fund invoices alongside private investors.
How to apply
Not published
Visit lender website
Beechbrook Capital
Commercial loans (SME & corporate) · Debt fund
Broker friendly
UK SMEs and lower-mid-market businesses; sector agnostic; sponsorless and private-equity-backed; typically £2m–£10m EBITDA.
Loan size
£5m – £25m
Max leverage
Not published
Rates & fees
Interest rates and fees not published.
Term
Not published
Speed
Not published
Broker access
Direct lender; intermediary distribution model not published.
How to apply
Not published
Visit lender website
Bibby Financial Services
Invoice finance · Non-bank specialist
Broker friendly
B2B businesses, preferably six months' trading and £100,000 annual turnover; strong debtor ledgers and over 300 sectors considered.
Loan size
£50k – £15m
Max leverage
Typically 80%–90% of invoice value; asset-based LTV not published.
Rates & fees
Headline pricing 1%–3% monthly; service fees typically 0.5%–2% of turnover.
Term
Revolving facilities; commonly 12-month minimum terms with approximately three months' notice.
Speed
Instant funding for unpaid invoices stated; completion timeframe not published.
Broker access
Direct applications; not broker-only. UK offices and international operations.
How to apply
Broker enquiry form and introducer team
Visit lender website
Bibby Financial Services (Bibby Asset Finance)
Asset finance · Non-bank specialist
Broker friendly
UK B2B businesses seeking equipment, machinery, marine, vendor or other asset finance.
Loan size
£3k – £5m
Max leverage
Not published
Rates & fees
Not published; rates described as competitive with market rates.
Term
Terms can match the useful life of the financed asset.
Speed
Not published
Broker access
Direct and through brokers, including CapExpand's lender panel.
How to apply
Broker enquiry form and introducer team
Visit lender website
Black & White Bridging
Bridging finance · Non-bank specialist
Broker friendly
Residential, commercial, semi-commercial, auction, refurbishment, development and development-exit property finance
Loan size
£50k – £5m
Max leverage
75% of 180-day valuation or 90% of purchase price; AVMs up to 65%
Rates & fees
Rates from 0.69% per month; 2% arrangement fee; broker commission negotiable
Term
3–18 months
Speed
Funding within days; turnaround stated as faster than the industry average
Broker access
For intermediary use only; relationship managers and broker support available
How to apply
Intermediary-only; enquiry form and relationship managers
Visit lender website
Blackfinch Property
Development finance · Non-bank specialist
Broker friendly
UK-wide residential and commercial development finance; established developers, experienced contractors, viable low-risk projects and credible exits.
Loan size
£1m – £25m
Max leverage
Typically 70% LTV and 85% LTC.
Rates & fees
Fixed interest rates; fees not published.
Term
Typically up to 3 years; longer terms considered.
Speed
Quick decisions and completion-focused service; specific timescales not published.
Broker access
Works with developers and brokers; direct access to management; broker-only status not published.
How to apply
Not published
Visit lender website
Blend Network
Bridging finance · P2P/platform
Broker friendly
UK property: acquisition, refurbishment, conversion, development, bridging, development exit, HMOs, PBSA and new-build schemes.
Loan size
£500k – £10m
Max leverage
Up to 75% LTGDV; maximum LTV and LTC not published.
Rates & fees
Rates not published. Platform arrangement and listing fees apply; exit fee may be payable.
Term
Not published
Speed
Initial requests reviewed within 24 hours; terms issued quickly. Completion timeframe not published.
Broker access
Works with developers and brokers; direct borrower registration available. Personal Lender support provided.
How to apply
Online borrower/broker enquiry form
Visit lender website
Blend Network (Blend Loan Network Limited)
Development finance · P2P/platform
Broker friendly
UK residential and mixed-use developments, conversions, refurbishments, PBSA, HMOs, new builds, bridging and development exits
Loan size
£500k – £10m
Max leverage
Up to 90% LTC, including 100% build costs; 70–75% LTGDV
Rates & fees
8–15% rolled-up interest; arrangement, commitment, servicing and possible exit fees; fees may add 2–3%
Term
Typically 12–24 months; extensions possible subject to fees and credit approval
Speed
Paperless process designed to accelerate approval; completion timeframe not published
Broker access
Direct borrower access with assigned Personal Lender; broker introductions accepted
How to apply
Online borrower/broker enquiry form
Visit lender website
BNP Paribas Leasing Solutions
Asset finance · Captive
Broker friendly
UK-wide equipment finance for agriculture, construction, technology, healthcare, transport, materials handling and green technology.
Loan size
Minimum and maximum facility sizes not published.
Max leverage
Not published
Rates & fees
Rates and specific fees not published; pricing depends on asset, customer and programme.
Term
Numeric term range not published; rental and leasing terms are tailored.
Speed
Digital tools can provide credit decisions in minutes and enable electronic contract completion.
Broker access
Direct and partner-led through manufacturers, suppliers, solution providers and distribution networks; not broker-only.
How to apply
Not published
Visit lender website
Calverton Finance (now Pulse Cashflow Finance) (acq.)
Invoice finance · Non-bank specialist
Broker friendly
Invoice finance for digital/media, recruitment, transport, wholesale, engineering, manufacturing, construction and other sectors.
Loan size
£25k – £5m
Max leverage
Up to 90% of invoice value; Swift Fund advances 50% of sales ledger.
Rates & fees
Not published; illustrative successor pricing includes base rate plus 3.5% and 0.85% service fee.
Term
Swift Fund minimum three months; ICON repayable anytime; otherwise not published.
Speed
Selective finance immediately; confidential discounting within 24 hours.
Broker access
Direct availability indicated; broker introductions supported. Broker-only status and portal not published.
How to apply
Not published
Submission route not yet verified
Cambridge & Counties Bank
Asset finance · Challenger/specialist bank
Broker friendly
Experienced UK SMEs and other businesses; trucks, machinery, construction, agricultural, waste, transport and other identifiable assets.
Loan size
£1.5m – ?
Max leverage
Up to 100% of asset cost or invoice excluding VAT.
Rates & fees
Rates and fees not published; commission paid when the loan is drawn down.
Term
Hire purchase up to 7 years; finance lease up to 5 years.
Speed
Same-day payout stated for hire purchase and finance lease.
Broker access
Direct introductions and approved asset finance brokers; intermediary panel; no portals.
How to apply
Not published
Visit lender website
Cambridge & Counties Bank Ltd
Bridging finance · Challenger/specialist bank
Broker friendly
Experienced property investors; commercial and residential assets; England, Scotland and Wales. UK or Crown dependency companies accepted.
Loan size
£250k – £2.5m
Max leverage
Commercial up to 60% LTV; residential up to 70% LTV of vacant possession value
Rates & fees
Rates not published; interest roll-up available. No valuation fee until loan approval.
Term
Up to 24 months
Speed
Not published
Broker access
Available through intermediaries; manual underwriting and frontline broker support. Commission paid on drawdown.
How to apply
Not published
Visit lender website
Cambridge & Counties Bank Ltd
Commercial loans (SME & corporate) · Challenger/specialist bank
Broker friendly
Experienced UK SMEs, sole traders, partnerships, limited companies, LLPs, charities and trusts; property, asset and equipment finance.
Loan size
£15m – ?
Max leverage
Up to 100% of asset invoice excluding VAT; VAT loans up to 100%
Rates & fees
Rates and fees depend on product and borrower; specific pricing not published
Term
Not published
Speed
Not published
Broker access
Direct introductions and approved asset-finance broker network
How to apply
Not published
Visit lender website
Cambridge & Counties Bank Ltd
Commercial mortgages · Challenger/specialist bank
Broker friendly
Experienced property investors; commercial investment property, including purchase, refinance and equity release. England, Scotland and Wales.
Loan size
£250k – £15m
Max leverage
Up to 70% LTV of open market value.
Rates & fees
Variable rates; three- and five-year fixed rates. No valuation fee until approval; other fees not published.
Term
12 months to 25 years; interest-only options available.
Speed
Not published
Broker access
Direct enquiry available; broker-only status and intermediary portal not published.
How to apply
Not published
Visit lender website
Cambridge & Counties Bank Ltd
Development finance · Challenger/specialist bank
Broker friendly
Experienced developers; multi-unit residential new builds, conversions, refurbishments and permitted-development projects; traditional or modular construction.
Loan size
£500k – £7.5m
Max leverage
Up to 65% LTGDV and 80% LTC; build costs fully funded
Rates & fees
Interest rate not published; 2% arrangement fee, 1% exit fee; no non-utilisation or early repayment fees
Term
Up to 24 months; longer-term lending available after completion
Speed
Not published
Broker access
Not stated as broker-only or direct-only; 1% of the arrangement fee paid to brokers. Development finance currently offered only to existing customers.
How to apply
Not published
Visit lender website
Capify
Commercial loans (SME & corporate) · Non-bank specialist
UK-registered businesses trading at least 12 months, £10,000 monthly turnover; broad SME sector coverage.
Loan size
£10k – £3m
Max leverage
Not published
Rates & fees
Risk-based factor rate; origination and processing fees apply. Eligibility enquiry free.
Term
3–24 months; secured loans may extend to 2 years
Speed
Eligibility checker in approximately 2 minutes; conditional approval in 60 seconds; funds potentially within 24 hours.
Broker access
Online direct application; automated eligibility checker and telephone support.
How to apply
Not published
Visit lender website
Castle Trust Bank
Bridging finance · Challenger/specialist bank
Broker friendly
England and Wales: residential bridging, auction purchases, completed developments, permitted development, HMOs, conversions and refurbishment.
Loan size
£200k – £5m
Max leverage
Up to 75% gross day-one LTV for bridges; up to 80% net LTV for refurbishment; up to 75% for drawdowns.
Rates & fees
Rates shown: 0.70%–0.85% monthly-equivalent pricing; 2.00% arrangement fee; rolled-up interest available; no ERC.
Term
6–12 months for bridges and light refurbishment; 9–18 months for heavy refurbishment; 18 months for drawdown products.
Speed
Not published
Broker access
Intermediaries only; property loans arranged through authorised intermediaries.
How to apply
Not published
Visit lender website
Castle Trust Bank
Commercial mortgages · Challenger/specialist bank
Broker friendly
England and Wales; light/heavy refurbishment, drawdown, BTL, HMOs, MUFBs, holiday lets and serviced apartments.
Loan size
£150k – £10m
Max leverage
Bridging up to 80% net LTV; TermTen Buy-to-Let up to 77% gross LTV.
Rates & fees
From 0.70% monthly; drawdown 0.77%; heavy refurbishment 0.99%–1.02%; 2% arrangement fee.
Term
Buy-to-let: 10 years, fixed for five years; bridging term not published.
Speed
Not published; title insurance and dual legal representation may accelerate completion.
Broker access
Intermediary-only through specialist brokers, packagers and mortgage clubs; direct access requires appropriate permissions.
How to apply
Not published
Visit lender website
Castle Trust Bank
Development finance · Challenger/specialist bank
Broker friendly
England and Wales; developers and property investors; residential, mixed-use, HMO, MUFB and development projects. No adverse credit or holiday lets.
Loan size
£150k – £5m
Max leverage
Not published for development finance; broader bridging lending is up to 80% LTV.
Rates & fees
Development pricing not published; typical arrangement fee is 1.5%–2%.
Term
Not published for development finance.
Speed
Typically 2–4 weeks from application to completion.
Broker access
Broker-only through mortgage brokers and authorised intermediaries; dedicated broker relationship management.
How to apply
Not published
Visit lender website
Caterpillar Financial Services (UK) Limited (Cat Financial)
Asset finance · Captive
Broker friendly
Cat equipment, machine purchases, equipment parts, repairs, services, construction equipment and rentals.
Loan size
Not published
Max leverage
Not published
Rates & fees
Flexible rates; deposit and VAT required for hire purchase. Administration, modification, option and missed-payment charges may apply.
Term
Hire purchase: 12–60 months. Other product terms not published.
Speed
Online application takes a few minutes; completion times not published.
Broker access
Direct applications and Cat dealer referrals; not broker-only.
How to apply
Not published
Visit lender website
Chetwood Financial (via CHL Mortgages)
Bridging finance · Non-bank specialist
Broker friendly
Standard, light and heavy refurbishment; chain breaks, auctions, adverse credit and commercial-to-residential conversions.
Loan size
£100k – £10m
Max leverage
Up to 75% LTV; heavy refurbishment up to 70%; larger loans may be capped at 65%.
Rates & fees
Rates from 0.70% monthly; no exit fees or early repayment charges.
Term
1–18 months
Speed
AVMs available for eligible properties to accelerate applications; specific completion timeframe not published.
Broker access
Directly authorised brokers via selected mortgage clubs and CHL's packager panel; VIP intermediary distribution also stated.
How to apply
Not published
Visit lender website
Close Brothers
Commercial loans (SME & corporate) · Challenger/specialist bank
Acquisition, growth, MBO, refinancing and turnaround; sectors include transport, construction, manufacturing, agriculture, property and professional services.
Loan size
£750k – £65m
Max leverage
Up to 90% prepayment against approved receivables; other leverage metrics not published.
Rates & fees
Invoice finance typically 2.5%–3.5% over base; factoring fees 0.5%–2% of turnover; other pricing not published.
Term
GGS term loans and asset finance: three months–six years; overdrafts and invoice finance: three months–three years.
Speed
Not published
Broker access
Not published
How to apply
Direct enquiry and broker introduction
Visit lender website
Close Brothers Asset Finance
Asset finance · Non-bank specialist
Broker friendly
Businesses of all sizes, including sole traders; transport, construction, agriculture, engineering, print, recycling, technology and ESG assets.
Loan size
From a few thousand pounds to large multi-million-pound facilities, subject to asset, business profile and affordability.
Max leverage
Not published
Rates & fees
Deal-specific pricing; documentation, arrangement and option-to-purchase fees may apply.
Term
Hire Purchase typically up to five years; other leases have flexible, asset-life-based terms.
Speed
Straightforward deals can complete within days; complex transactions may take a couple of weeks.
Broker access
Usually via brokers or direct sales contacts, rather than purely online applications.
How to apply
Broker submission via regional offices
Visit lender website
Close Brothers Invoice Finance
Invoice finance · Challenger/specialist bank
Broker friendly
UK B2B invoicing businesses; larger companies generally exceed £5m turnover for asset-based lending.
Loan size
£500k – £65m
Max leverage
Up to 90% of approved invoices; some facilities offer up to 100% prepayment.
Rates & fees
Typically 2.5%–3.5% over base rate; factoring service fees typically 0.5%–2% of turnover.
Term
Not published
Speed
Not published
Broker access
Direct contact available; broker-only status and intermediary portal not published.
How to apply
Broker submission via regional offices
Visit lender website
Close Brothers Motor Finance
Asset finance · Non-bank specialist
Broker friendly
UK vehicle industry: cars, LCVs, vans, HGVs, trailers, specialised wheeled assets, dealerships, fleets, rentals and contract hire.
Loan size
£2m – £80m
Max leverage
Not published
Rates & fees
Not published
Term
PCH terms of 12–60 months; BCH and rental terms not published.
Speed
Lending decisions within days, sometimes hours.
Broker access
Direct and broker-supported; works with contract hire companies, rental providers, dealerships, fleet operators and brokers.
How to apply
Not published
Visit lender website
Close Brothers Property Finance
Commercial mortgages · Challenger/specialist bank
Broker friendly
Residential and commercial development, including housing, flats, student accommodation, retirement living, offices, retail, industrial and mixed-use schemes.
Loan size
£2.3m – £11.8m
Max leverage
Up to 85% LTC; up to 65% LTGDV residential/pre-let commercial and 70% investment LTGDV.
Rates & fees
Not published; pricing, arrangement fees and exit fees are negotiated case by case. Monitoring, legal and valuation costs may apply.
Term
Typically 18–36 months, with interest usually rolled into the facility.
Speed
Not published
Broker access
Direct and intermediated lending channels are indicated across Close Brothers' commercial finance businesses; no dedicated property broker portal identified.
How to apply
Direct enquiry and broker introduction
Visit lender website
Close Brothers Property Finance
Development finance · Challenger/specialist bank
Broker friendly
Residential and commercial development across England, Scotland and Wales, including housing, flats, student accommodation, retirement, offices, retail, industrial and mixed-use.
Loan size
£2.3m – £11.8m
Max leverage
Up to 85% LTC; residential and pre-let commercial development up to 65% LTGDV; investment up to 70%.
Rates & fees
Pricing, arrangement and exit fees negotiated case by case; monitoring, legal, valuation and possible non-utilisation fees may apply.
Term
Typically 18–36 months, with interest usually rolled into the facility.
Speed
Not published
Broker access
Relationship-led lending; direct or intermediary distribution for some group commercial products, but no dedicated property broker portal is identified.
How to apply
Direct enquiry and broker introduction
Visit lender website
Clydesdale Bank
Commercial loans (SME & corporate) · Challenger/specialist bank
Broker friendly
UK businesses, SMEs, larger businesses, mid-market companies, and specialist or complex borrowers.
Loan size
£25k – £10m
Max leverage
Not published
Rates & fees
Representative example: 13.5% variable rate, 14.4% APR, £0 fees.
Term
not published; representative example uses 36 months.
Speed
No completion timeframe published; enquiries receive a response within seven days.
Broker access
Direct applications and enquiries; broker-only distribution not stated.
How to apply
Not published
Visit lender website
CNH Capital
Asset finance · Captive
Broker friendly
Agricultural, construction and commercial vehicle equipment; new and used machinery, attachments and options.
Loan size
Not published
Max leverage
Not published
Rates & fees
Not published
Term
Not published
Speed
Not published
Broker access
Originated through CNH Industrial and Iveco dealer networks, vendor finance intermediaries and FCA-authorised credit brokers.
How to apply
Not published
Visit lender website
Colenko
Development finance · Non-bank specialist
Broker friendly
England and Wales; experienced developers and contractors; residential developments, blocks, infill and garden developments; individual borrowers or SPVs.
Loan size
£300k – £2m
Max leverage
Up to 90% LTC and 70% LTGDV
Rates & fees
Rates from 0.85% per month; arrangement, valuation, monitoring surveyor and legal fees apply; amounts not published.
Term
Up to 24 months
Speed
Fast decisions and prompt credit decisions; completion timeframe not published.
Broker access
Direct or broker-only status not published.
How to apply
Not published
Visit lender website
Coutts
Commercial loans (SME & corporate) · Challenger/specialist bank
UK and international businesses; media, professional services, hotels, healthcare, commercial real estate and landed estates.
Loan size
Not published
Max leverage
Not published
Rates & fees
Rates not published; product fees may apply.
Term
Not published
Speed
Not published
Broker access
Direct through a dedicated Commercial Banker.
How to apply
Not published
Visit lender website
Coventry Building Society
Commercial mortgages · Building society
Broker friendly
Business and commercial lending, commercial real estate, purposeful businesses, charities, mutuals and limited company buy-to-let.
Loan size
Not published
Max leverage
Not published
Rates & fees
Not published
Term
Not published
Speed
Not published
Broker access
Direct for some products; limited company buy-to-let available through brokers via Godiva Mortgages.
How to apply
Not published
Visit lender website
Cumberland Building Society
Commercial mortgages · Building society
Broker friendly
UK businesses with turnover up to £20 million; hospitality, healthcare, professional services, food and drink, and other commercial sectors.
Loan size
£100k – £15m
Max leverage
Sector-specific LTV limits; older guide states up to 70% of lower purchase price or market value.
Rates & fees
Variable rates linked to CVBR; three- and five-year fixed rates. Fees not published.
Term
Up to 25 years; initial interest-only periods up to two years.
Speed
Not published
Broker access
Intermediary-facing, relationship-managed service; broker-only or direct distribution not specified.
How to apply
Not published
Visit lender website
Cynergy Bank plc
Development finance · Challenger/specialist bank
UK-incorporated or trading borrowers; developments up to 150 residential units or 125 units in other sectors.
Loan size
£2m – £20m
Max leverage
Not published
Rates & fees
Variable rate; capitalised interest. Fees not published.
Term
Up to 36 months
Speed
Not published
Broker access
Not published
How to apply
Not published
Visit lender website
Cynergy Business Finance
Invoice finance · Non-bank specialist
Broker friendly
Established and scaling UK SMEs across 30+ sectors; start-ups and facilities below £200,000 unsuitable
Loan size
£200k – £40m
Max leverage
Not published
Rates & fees
Bespoke pricing; rates, fees and APR not published
Term
Not published
Speed
Flexible, fast and efficient; specific timescale not published
Broker access
Direct/intermediary route not published
How to apply
Not published
Submission route not yet verified
De Lage Landen (DLL)
Asset finance · Non-bank specialist
Business equipment, technology, software and complex projects across construction, manufacturing, logistics, retail, energy transition and other sectors.
Loan size
Not published
Max leverage
Not published
Rates & fees
Fixed interest; documentation, administration and other service fees may apply. Amounts not published.
Term
Typically 6–84 months for regulated loans.
Speed
Not published
Broker access
Approved distributors and direct to end-user customers.
How to apply
Not published
Submission route not yet verified
Development Bank of Wales
Development finance · Government-backed
Broker friendly
Wales-based residential, mixed-use and commercial developments, including speculative projects without pre-sales or pre-lets.
Loan size
£150k – £10m
Max leverage
Up to 70% of GDV; residential/mixed-use may include 100% of build costs.
Rates & fees
Fixed rates of 6.5%–10.5%; green residential fee reduction up to 2%; default charges apply.
Term
Up to four years residential; up to five years commercial; mixed-use term not published.
Speed
Not published
Broker access
Direct online application; intermediary distribution not published.
How to apply
Not published
Visit lender website
Downing
Development finance · Debt fund
Broker friendly
UK SME housebuilders and experienced residential developers; residential, mixed-use, student accommodation and construction schemes.
Loan size
£1m – £50m
Max leverage
Up to 85% LTC and 65% GDV for development loans; bridging up to 70% LTV.
Rates & fees
Rates and fees not published.
Term
Not published
Speed
Quick, transparent decisions; specific completion timescales not published.
Broker access
Works with developers, brokers and intermediary partners; not stated as broker-only or direct-only.
How to apply
Not published
Visit lender website
Earl Shilton Building Society
Commercial mortgages · Building society
Commercial mortgages are listed among products offered; detailed commercial lending criteria are not published.
Loan size
Not published for commercial mortgages.
Max leverage
Not published for commercial mortgages; general maximum LTV stated as 95%.
Rates & fees
Rates not published. Mortgage collar is 2.5%; fees vary and are shown in illustrations.
Term
5 to 40 years generally; commercial mortgage-specific terms not published.
Speed
Not published
Broker access
Not published
How to apply
Not published
Visit lender website
Fiduciam
Bridging finance · Non-bank specialist
Business bridges, vacant or non-income-producing property, refurbishment, permitted development, commercial property and development finance.
Loan size
£1m – £35m
Max leverage
Up to 70% LTV for bridging; approximately 90% LTC under the London development programme.
Rates & fees
Rates from 0.70% PCM; generally no exit fee; no early redemption charge from halfway through the term.
Term
Six months to three years; individual products offer terms up to three years.
Speed
Not published
Broker access
Not published
How to apply
Online enquiry form and direct underwriter contact
Visit lender website
Fiduciam
Development finance · Non-bank specialist
Broker friendly
UK-wide and selected European lending; business bridges, refurbishment, ground-up development, commercial property and various trading sectors.
Loan size
£1m – £35m
Max leverage
Up to 70% LTV; approximately 90% LTC under the London development programme.
Rates & fees
Rates from 0.87% monthly; development rates from approximately 9.09%. Exit fees may apply to ground-up development loans.
Term
Up to three years.
Speed
Not published
Broker access
Direct and intermediary lending availability not clearly stated.
How to apply
Online enquiry form and direct underwriter contact
Visit lender website
Fleximize
Commercial loans (SME & corporate) · Fintech
UK businesses trading at least six months, with minimum monthly turnover of £5,000; limited companies, LLPs and qualifying partnerships.
Loan size
£10k – £1m
Max leverage
Up to four months' revenue; another page states two months' revenue. Maximum LTV, LTC and LTGDV not published.
Rates & fees
Indicative rates from 0.9% monthly; Flexiloan 0.9%–2.9%, Flexiloan Lite 1.9%–3.9%. No direct application or early repayment fees.
Term
3–60 months; Flexiloan 12–60 months and Flexiloan Lite 3–12 months.
Speed
Decisions and potential funding within 24 hours.
Broker access
Direct applications through Fleximize's website.
How to apply
Not published
Visit lender website
Frontier Development Capital
Commercial loans (SME & corporate) · Debt fund
Broker friendly
Established, profitable UK SMEs trading at least three years; all sectors. Also commercial and residential development finance.
Loan size
£100k – £7.5m
Max leverage
Not published
Rates & fees
Terms and fees apply; rates and fee amounts not published
Term
Flexible repayment structures up to 5 years
Speed
Not published
Broker access
Direct applications; broker-only status not published
How to apply
Not published
Submission route not yet verified
Funding Circle
Commercial loans (SME & corporate) · P2P/platform
Broker friendly
UK-based businesses trading at least one year; business purposes including working capital, growth, equipment, stock and refinancing. No start-ups.
Loan size
£10k – £750k
Max leverage
Not published
Rates & fees
Fixed rates from 6.9% yearly; one-off completion fee; no early settlement or overpayment fee.
Term
6 months–6 years
Speed
Eligibility check in 30 seconds; application in 7 minutes; decisions potentially within 5 minutes.
Broker access
Direct online applications; not stated as broker-only.
How to apply
Online application; introducer partner programme
Visit lender website
FundInvoice
Invoice finance · Non-bank specialist
Broker friendly
UK businesses invoicing other businesses; start-ups, SMEs, established, distressed and turnaround cases; broad sector coverage
Loan size
Not published
Max leverage
85%–100% of sales ledger value, minus funder fees
Rates & fees
Rates not published; comparison service is free and may reduce quoted fees
Term
Not published; customers use invoice finance for just over five years on average
Speed
Funds may be provided within 24 hours
Broker access
Independent business finance broker comparing invoice finance and business funding providers
How to apply
Not published
Visit lender website
Furness Building Society
Commercial mortgages · Building society
Commercial real estate, residential property and buy-to-let property; lending exposure concentrated in North West.
Loan size
Not published
Max leverage
Not published
Rates & fees
Not published
Term
Not published
Speed
Not published
Broker access
Not published
How to apply
Not published
Visit lender website
Gatehouse Bank
Commercial mortgages · Challenger/specialist bank
Broker friendly
UK and international businesses and investors; commercial, mixed-use, and owner-occupied properties
Loan size
£500k – £2m
Max leverage
Up to 70% of commercial property value
Rates & fees
Rates not published; no early settlement charges when exiting at agreed break points
Term
5–20 years
Speed
Not published
Broker access
Available directly and through brokers
How to apply
Not published
Visit lender website
Glenhawk
Bridging finance · Non-bank specialist
Broker friendly
Residential, commercial, mixed-use, refurbishment, development exit, auctions, below-market-value purchases and investment properties
Loan size
£250k – £10m
Max leverage
Up to 75% LTV; up to 85% of purchase price; refurbishment up to 70% LTGDV
Rates & fees
Rates from 0.64% monthly regulated and 0.68% monthly residential; arrangement fees up to 2%; no exit fee
Term
1–12 months regulated; 3–24 months unregulated; serviced loans maximum 18 months
Speed
Indicative terms within hours; AIPs typically within one hour; completion can be five-to-eight working days
Broker access
Designed for intermediaries and their clients; broker-only or direct availability not stated
How to apply
Online enquiry form; AIP issued by underwriting team
Visit lender website
Glenhawk
Development finance · Non-bank specialist
Broker friendly
Residential, commercial, mixed-use, refurbishment and structured real-estate projects across England, Wales and Scotland.
Loan size
£250k – £10m
Max leverage
Up to 75% day-one LTV; refurbishment up to 70% LTGDV, with 100% refurbishment costs funded in arrears.
Rates & fees
Indicative rates from 0.72% for refurbishment; arrangement, exit and other fees not published.
Term
Typically 3–18 months; unregulated products generally 3–24 months.
Speed
Offers short-term finance where speed and certainty are critical; specific completion times not published.
Broker access
Works with brokers and intermediaries across the UK.
How to apply
Online enquiry form; AIP issued by underwriting team
Visit lender website
GRENKE Leasing Limited, trading as GRENKE UK
Asset finance · Non-bank specialist
Broker friendly
SMEs and established or growing businesses financing new or used equipment, including IT, machinery, office, energy and specialist assets. Typically one year's accounts.
Loan size
£500 – £2m
Max leverage
Not published
Rates & fees
Rates and fees not published; hire purchase uses fixed flat rates, while lease pricing varies by asset, term and credit score.
Term
Typically 12–60 months; master lease schedules run 1–5 years with renewable 12-month framework periods.
Speed
Automated decisions can be under 20 minutes for smaller deals; requests above £250,000 may take longer.
Broker access
Direct and through equipment suppliers, resellers, brokers and partner portals; customer and partner portals available.
How to apply
Partner portal submission
Visit lender website
Growth Lending
Commercial loans (SME & corporate) · Non-bank specialist
Broker friendly
UK SMEs pursuing growth, acquisitions, expansion, healthcare finance and management buy-outs
Loan size
£2m – £10m
Max leverage
Not published
Rates & fees
Rates and fees not published; pricing varies by risk, amount and duration
Term
not published; growth debt commonly runs for several years
Speed
Not published
Broker access
Works with professional networks and introducers; direct or broker-only status not published
How to apply
Not published
Submission route not yet verified
Growth Lending (formerly BOOST&Co)
Commercial loans (SME & corporate) · Debt fund
Broker friendly
UK technology-enabled growth companies with £5m–£50m revenues; software, telecoms, financial services, business services, life sciences and national security.
Loan size
£2m – £10m
Max leverage
Not published
Rates & fees
10–12% interest; 1–2% upfront fee; possible 10–15% equity kicker
Term
Up to five years
Speed
6–8 weeks diligence
Broker access
Typically sole lender; direct or broker route not published
How to apply
Not published
Submission route not yet verified
Hampshire Trust Bank
Commercial loans (SME & corporate) · Challenger/specialist bank
Broker friendly
UK businesses; commercial and semi-commercial property, development finance, development exit, land, refurbishment and block discounting
Loan size
£100k – £25m
Max leverage
Up to 75% LTV; land up to 65% LTV
Rates & fees
Rates from 0.75%; arrangement fee 2%; early repayment charge minimum three months' interest
Term
12–24 months for bridging; other commercial terms not published
Speed
Not published
Broker access
Offers solutions to businesses, individuals and intermediaries; specialist mortgages through broker panel
How to apply
Intermediary submission and BDM contact
Visit lender website
Hampshire Trust Bank (HTB)
Development finance · Challenger/specialist bank
Broker friendly
Experienced developers; residential, student accommodation, mixed-use, and pre-sold or pre-let commercial developments.
Loan size
£1m – £35m
Max leverage
Up to 65% GDV
Rates & fees
SVR 4.65%, last changed 2 February 2026; fees not published.
Term
12–36 months
Speed
Not published
Broker access
Available to businesses, individuals and intermediaries; direct or broker-only status not published.
How to apply
Intermediary submission and BDM contact
Visit lender website
Hampshire Trust Bank Asset Finance
Asset finance · Challenger/specialist bank
Small-ticket leasing and hire purchase for established SMEs, individuals and business assets.
Loan size
Not published
Max leverage
not published; typically requires 10–20% deposits
Rates & fees
Not published
Term
Not published
Speed
Not published
Broker access
Not published
How to apply
Intermediary submission and BDM contact
Visit lender website
Hampshire Trust Bank Plc (HTB)
Bridging finance · Challenger/specialist bank
Broker friendly
Residential, commercial, semi-commercial, auction purchases, HMOs up to six units, low-rise flats, land, heavy refurbishment and Development Exit
Loan size
£100k – £25m
Max leverage
Up to 75% LTV; product-specific maximums range from 65% to 75%
Rates & fees
Rates from 0.75% to 0.90%; 2% arrangement fee; minimum three months' interest early repayment charge
Term
12 to 24 months
Speed
Not published
Broker access
Broker-only or direct availability, intermediary portal and BDM availability not published
How to apply
Intermediary submission and BDM contact
Visit lender website
Hampshire Trust Bank Plc (HTB)
Commercial mortgages · Challenger/specialist bank
Broker friendly
Commercial property and light refurbishment; pre-sold or pre-let developments; experienced commercial developers; England, Scotland and Wales
Loan size
£100k – £25m
Max leverage
Up to 70% LTV for commercial; up to 65% GDV for commercial development
Rates & fees
Commercial rates from 0.90%; 2% arrangement fee; minimum three months' interest early repayment charge
Term
12–24 months bridging; 12–36 months commercial development
Speed
Not published
Broker access
Offers solutions to businesses, individuals and intermediaries; specialist development finance team available
How to apply
Intermediary submission and BDM contact
Visit lender website
Handelsbanken UK
Commercial loans (SME & corporate) · High-street bank
Broker friendly
UK companies, LLPs, sole traders and partnerships; corporate lending, property finance, refinancing, investment, cashflow and sustainable lending.
Loan size
No minimum loan amount; no maximum loan amount published.
Max leverage
Not published; underwriting focuses on serviceability and security rather than stated leverage limits.
Rates & fees
Variable or fixed rates; pricing case-by-case. Procuration fee 1% up to £5m; larger loans negotiated.
Term
1–10 years; fully amortising, part-amortising with bullet, or interest-only structures.
Speed
Indicative term sheet within 48 hours after required information reaches the appropriate branch; completion timing not published.
Broker access
Direct through branches and account managers; also supports commercial intermediaries.
How to apply
Not published
Visit lender website
Handelsbanken UK
Commercial mortgages · High-street bank
Broker friendly
Commercial and investment property, owner-occupied premises, mixed-use, hotels, schools, agricultural estates, portfolios and unusual property. Individual underwriting.
Loan size
Minimum not published; no maximum loan amount stated.
Max leverage
Maximum LTV, LTC, LTGDV and advance rate not published; underwriting considers serviceability over LTV.
Rates & fees
Rates not published. Sustainable lending may receive lower rates. Procuration fee: 1% up to £5m; above £5m case-by-case.
Term
1–10 years
Speed
Indicative term sheet within 48 hours after required information reaches the appropriate branch. Completion speed not published.
Broker access
Commercial intermediaries and professional advisers; relationship-led branch distribution with direct access to decision-makers.
How to apply
Not published
Visit lender website
Harpenden Building Society
Commercial mortgages · Building society
Broker friendly
Residential, buy-to-let, holiday lets, self-build, conversions and small developments up to three properties
Loan size
£150k – £3.5m
Max leverage
Up to 85% LTV residential; development/self-build limits vary
Rates & fees
Not published
Term
Up to 35 years; development/self-build terms may be shorter
Speed
Not published
Broker access
100% mortgage intermediated; authorised intermediaries only
How to apply
Not published
Visit lender website
Hawksmoor Business Finance
Invoice finance · Non-bank specialist
Broker friendly
Invoice finance for businesses with unpaid invoices; no assets required; imperfect credit history may be acceptable.
Loan size
Not published
Max leverage
Not published
Rates & fees
Rates not published; no hidden fees or upfront costs/deposits stated.
Term
Not published
Speed
Immediate or swift funding stated; no specific completion timeframe published.
Broker access
Direct or broker-only status not published.
How to apply
Not published
Submission route not yet verified
Haydock Finance
Asset finance · Non-bank specialist
Broker friendly
UK smaller businesses with turnover up to £45 million; equipment, vehicles, plant, machinery and other business-critical assets.
Loan size
£1k – £2m
Max leverage
Not published
Rates & fees
Rates and fees vary by proposal; pricing reflects the Government guarantee and associated guarantee fee.
Term
Three months to six years for asset finance facilities.
Speed
Ultra-quick decisions stated; completion times not published.
Broker access
Primarily broker- and vendor-led, with introducer support; direct lending product not offered.
How to apply
Broker-only; submission via account manager
Visit lender website
Henry Howard Finance (evidence identifies HH Business Finance)
Asset finance · Non-bank specialist (credit broker)
Broker friendly
UK SMEs across any sector; machinery, vehicles, IT, furniture, security and industry-specific equipment.
Loan size
£5k – ?
Max leverage
Not published
Rates & fees
Market-leading rates; no customer broker fee. Lender commissions may apply.
Term
Up to 84 months; hire purchase typically 1–5 years
Speed
Approvals within 4 hours; instant business-loan approvals stated.
Broker access
Broker/intermediary; applications introduced to third-party panel lenders.
How to apply
Not published
Submission route not yet verified
Hilltop Credit Partners LLP
Bridging finance · Non-bank specialist
Broker friendly
UK residential development, acquisition bridging, development exit, sales bridges, mezzanine and whole-loan finance; England, Scotland and Wales
Loan size
£1m – £50m
Max leverage
Up to 90% LTC and 75% LTGDV
Rates & fees
Development: 8%–11% rolled-up; bridging: 0.85%–1.25% monthly; arrangement fees 1.5%–2.5%; exit fees 1%
Term
6–30 months, depending on product; extensions may be available
Speed
Underwrites quickly through its Credit Stream platform; specific completion timeframe not published
Broker access
Applications available through Funding Agent; direct or broker-only distribution not otherwise published
How to apply
Not published
Visit lender website
Hilltop Credit Partners LLP
Development finance · Non-bank specialist
UK residential developers, housebuilders and property companies; experienced and first-time developers; mixed-use and unusual schemes considered.
Loan size
£3m – £50m
Max leverage
Up to 90% LTC and up to 75% LTGDV.
Rates & fees
Indicative rolled-up rates 8%–11% annually; arrangement fees 2%–2.5%; exit fee 1%; borrower pays professional costs.
Term
12–30 months for development finance, with extensions subject to approval.
Speed
Not published
Broker access
Direct lender; applications can be submitted through Funding Agent.
How to apply
Not published
Visit lender website
Hilton-Baird Financial Solutions
Invoice finance · Non-bank specialist
Broker friendly
UK businesses selling to other businesses on credit terms; fast-growing, seasonal, start-up and smaller businesses
Loan size
Not published
Max leverage
Up to 90% of invoice value advanced
Rates & fees
Small fee applies; rate and fee amount not published
Term
Not published
Speed
Up to 90% advanced within 24 hours of invoice issue
Broker access
Independent broker introducing applicants to a panel of banks, independent funders and invoice finance companies
How to apply
Not published
Visit lender website
Hodge Bank
Commercial mortgages · Challenger/specialist bank
Broker friendly
UK commercial, mixed-use and residential investment property; England, Scotland and Wales; complex and overseas structures considered
Loan size
£2m – £16m
Max leverage
Maximum 70% LTV
Rates & fees
Fixed and variable rates available on request; fees not published
Term
Up to 5 years
Speed
Quick and efficient approach stated; completion times not published
Broker access
Intermediary channel referenced; broker-only or direct distribution not published
How to apply
Not published
Visit lender website
Hodge Bank
Development finance · Challenger/specialist bank
Broker friendly
Residential, alternative residential, commercial, mixed-use, build-to-rent, conversions, refurbishments and land with planning consent
Loan size
£1m – £10m
Max leverage
Senior: 80% LTC, 65% LTGDV; stretch senior: 88% LTC, 75% LTGDV
Rates & fees
Variable rates and fees available upon request
Term
Up to 24 months for development finance; other terms not published
Speed
Hodge aims to deliver quickly and efficiently; specific completion timescales not published
Broker access
Broker and direct arrangements not clearly stated; experienced relationship manager supports borrowers
How to apply
Not published
Visit lender website
Homes England
Development finance · Government-backed
England residential development and refurbishment; generally five or more homes, including sale, rental, innovative and energy-efficient housing.
Loan size
£250k – £10m
Max leverage
Typically 80% of total development costs
Rates & fees
Commercial, pre-agreed variable rates; arrangement fee charged
Term
Typically up to 5 years
Speed
Not published
Broker access
Direct lending plus alliances with Octopus Capital, Invest & Fund and Housing Growth Partnership
How to apply
Not published
Visit lender website
Hope Capital
Bridging finance · Non-bank specialist
Broker friendly
Residential, semi-commercial and commercial property; purchases, refinancing, auctions, refurbishment, conversions, capital raising and business purposes
Loan size
£50k – £5m
Max leverage
Up to 75% LTV, 70% GDV; up to 100% purchase/build costs with additional security
Rates & fees
Rates from 0.80%–0.95%; arrangement, legal, valuation and solicitor fees; exit fees may apply
Term
3–18 months; selected products up to 15 months
Speed
Enquiries within 1 hour; AIP within 2 hours; funds typically available within 1–4 weeks
Broker access
Intermediary-focused; product guide marked for intermediary use only
How to apply
Intermediary enquiry form and BDM contact via website
Visit lender website
HSBC Equipment Finance
Asset finance · High-street bank
Business entities only; tangible, moveable assets, technology, vehicles, green assets and complex structured financings. Not available to new-start businesses.
Loan size
£100k – £50m
Max leverage
Not published
Rates & fees
Not published
Term
not published; structured around the asset's working life.
Speed
Not published
Broker access
Not published
How to apply
Not published
Visit lender website
HSBC Invoice Finance (UK) Ltd
Invoice finance · High-street bank
Broker friendly
UK SME invoice discounting and receivables finance; eligibility and credit assessment apply.
Loan size
£30k – £2m
Max leverage
Up to 95% of invoice value.
Rates & fees
Not published; historical RLS had no arrangement or repayment fee.
Term
Not published; historical RLS term was 36 months.
Speed
Not published
Broker access
Direct; Funding Agent is not an approved introducer and cannot submit applications.
How to apply
Direct application; relationship manager route
Visit lender website
HSBC UK
Commercial mortgages · High-street bank
Businesses buying or refinancing their own premises; separate real-estate lending for investment property. Trading turnover above £15m stated for real estate.
Loan size
£25k – £25m
Max leverage
Up to 75% of the lower of purchase price or professional valuation
Rates & fees
Margin over reference rate; arrangement and security fees individually assessed; early repayment and fixed-rate break fees apply
Term
2–30 years; fixed-rate periods up to 10 years; repayment holidays up to 24 months
Speed
Not published
Broker access
Direct application and callback through HSBC Business Banking; relationship-manager channels for specialist real-estate lending
How to apply
Direct application; relationship manager route
Visit lender website
HSBC UK Business
Commercial loans (SME & corporate) · High-street bank
Broker friendly
Working capital, stock, asset purchases and expansion; excludes property or land development and certain agricultural businesses
Loan size
£1k – £25m
Max leverage
Not published
Rates & fees
Fixed or variable rates; representative APRs 8.6%–11.3% for small loans; fees vary by product
Term
12 months–20 years; fixed-rate period up to 10 years
Speed
Not published
Broker access
Direct online, telephone and Relationship Manager applications; no broker-only route stated
How to apply
Direct application; relationship manager route
Visit lender website
InterBay
Development finance · Challenger/specialist bank
Broker friendly
Commercial, semi-commercial, BTL, HMOs, MUFBs, student lets, portfolios, bridging, refurbishments and Developer Exit.
Loan size
£100k – ?
Max leverage
Up to 75% LTV commercial; bridging generally 70%; Developer Exit 75%; some BTL up to 85%.
Rates & fees
Commercial rates 6.24%–7.99%; arrangement fees 2%–5%; ERCs typically 3%–4%.
Term
2- or 5-year fixed commercial terms; bridging terms not published.
Speed
Faster decisions mentioned; no specific turnaround published.
Broker access
Broker-focused support and BDM referrals; broker-only status not published.
How to apply
Intermediary-only; submission via broker portal
Visit lender website
InterBay Commercial
Bridging finance · Non-bank specialist
Broker friendly
Commercial and semi-commercial bridging in England and Wales; developer exit finance unavailable
Loan size
£125k – £10m
Max leverage
Up to 70% LTV; 65% in specified refurbishment cases; 60% for remortgage from bridging
Rates & fees
Bridging rates and fees not published in the evidence provided
Term
Not published
Speed
Not published
Broker access
Intermediary-only; bridging available through Select partners via broker portal
How to apply
Intermediary-only; submission via broker portal
Visit lender website
InterBay Commercial
Commercial mortgages · Non-bank specialist
Broker friendly
Commercial investment, owner-occupier, semi-commercial, BTL, bridging; most asset classes; England and Wales
Loan size
£125k – £25m
Max leverage
75% LTV commercial; 70% LTV bridging; restrictions apply
Rates & fees
Indicative fixed rates from 6.99%; product fees 1%–3%
Term
2–30 years for commercial mortgages; bridging term not published
Speed
Not published
Broker access
Intermediary-only via broker portal; bridging available through Select partners
How to apply
Intermediary-only; submission via broker portal
Visit lender website
Investec
Commercial loans (SME & corporate) · Challenger/specialist bank
Broker friendly
UK mid-market and corporate businesses, private-equity-backed companies, property investors/developers, and asset-finance borrowers.
Loan size
£5k – £100m
Max leverage
Typically 50–65% LTV/LTC for real estate debt; otherwise not published.
Rates & fees
Transaction-priced; asset-finance documentation fee 0.5% of advance, minimum £150.
Term
Not published
Speed
States it works at pace; no specific turnaround time published.
Broker access
Broker-focused asset-finance processes; also offers direct banking, lending and private-capital solutions.
How to apply
Not published
Visit lender website
Investec
Commercial mortgages · Challenger/specialist bank
UK offices, retail, industrial, logistics, residential investment, hotels, student accommodation and mixed-use properties.
Loan size
£1m – £100m
Max leverage
Typically 55%–70% LTV; headline maximum 70%.
Rates & fees
Commercial mortgage rates approximately 5.5%–6.5%; larger facilities individually priced. Fees not published.
Term
Not published for commercial mortgages.
Speed
Works at pace; specific timescales not published.
Broker access
Not published
How to apply
Not published
Visit lender website
Investec Asset Finance
Asset finance · Non-bank specialist
Broker friendly
UK SMEs, corporates and professional practices; hard assets, vehicles, equipment, materials handling and professions.
Loan size
£10m – ?
Max leverage
Not published
Rates & fees
Not published
Term
Not published; eight-year structure cited in one transaction.
Speed
Usually underwriting decision within 2.5 hours; instant decisions up to £25,000; same-day payout.
Broker access
Specialist commercial finance brokers, with direct business access; Broker Portal and EDI integration available.
How to apply
Not published
Visit lender website
Investec Capital Solutions
Invoice finance · Challenger/specialist bank
Broker friendly
UK mid-market businesses with £5m+ turnover; confidential invoice discounting, ABL, MBOs, acquisitions, and growth funding.
Loan size
£5k – £100m
Max leverage
80–90% invoice advance described generally; lender-specific maximum not published.
Rates & fees
Rates and fees not published; facilities are individually priced based on transaction and borrower strength.
Term
Not published
Speed
Not published
Broker access
Broker or intermediary distribution not published.
How to apply
Not published
Visit lender website
Invoice Funding Solutions
Invoice finance · Non-bank specialist
Broker friendly
B2B businesses issuing credit-term invoices after supplying goods or services; exporters and importers accepted
Loan size
Up to 90% of gross invoice value; facility limits not published
Max leverage
Up to 90% advance against gross invoice value
Rates & fees
Rates and fees not published; typically more expensive overall than bank overdrafts
Term
Not published
Speed
Not published
Broker access
Direct or broker distribution not published
How to apply
Not published
Submission route not yet verified
iwoca
Commercial loans (SME & corporate) · Fintech
Broker friendly
UK limited companies and LLPs, including start-ups, new businesses, SMEs and established organisations. Under-one-year businesses capped at £10,000.
Loan size
£1k – £1m
Max leverage
Typically up to 20% of annual turnover; LTV/LTC/LTGDV not published
Rates & fees
Rates from 1.5% per 30 days; 49% representative APR. No fees on 12-month loans; longer terms typically 5%-6%.
Term
A few days or weeks up to 60 months
Speed
Not published
Broker access
Direct online applications; finance brokers may refer applicants
How to apply
Not published
Visit lender website
John Deere Financial
Asset finance · Captive
UK business users, through participating John Deere dealers; agriculture and John Deere equipment-related expenditure.
Loan size
Not published
Max leverage
Not published
Rates & fees
Interest rate not published. Interest-free 30-day option; no setup, annual, unused-credit or early-repayment fees.
Term
Flexible terms, including 30 days, 3 months and up to 12 months.
Speed
Not published
Broker access
Direct through participating John Deere dealers; financing subject to status and credit approval.
How to apply
Not published
Visit lender website
Kennet Equipment Leasing Limited
Asset finance · Non-bank specialist
Broker friendly
UK businesses of all sizes, from sole traders to large corporations; equipment and asset finance.
Loan size
Not published
Max leverage
Not published
Rates & fees
Rates not published. No customer broker fee; lender commission disclosed before signing.
Term
Not published
Speed
Prompt financing decisions; supplier invoices paid swiftly after equipment installation.
Broker access
Direct and broker; broad lender panel, own-book facility, dedicated customer team; no portal stated.
How to apply
Not published
Visit lender website
Kent Reliance (OneSavings Bank)
Commercial mortgages · Challenger/specialist bank
Broker friendly
Portfolio landlords, individuals, limited companies, SPVs, LLPs and partnerships; offices, retail, industrial, mixed-use, semi-commercial and HMO properties.
Loan size
£50k – £3m
Max leverage
Up to 75% LTV for commercial mortgages; some BTL products reach 85% LTV.
Rates & fees
Commercial rates typically start around 5.75%–6.5%; two-, three- and five-year fixes available. Fees not published.
Term
Up to 25 years for commercial mortgages.
Speed
Indicative terms typically within 48 hours; complex cases may take longer.
Broker access
Available through intermediaries; direct distribution status not published.
How to apply
Not published
Visit lender website
Kingsway Finance
Asset finance · Non-bank specialist
Broker friendly
UK SME asset finance, loans, professionals and software; homeowners required for specified borrowers. Excludes several sectors and Northern Ireland.
Loan size
£3k – £350k
Max leverage
Up to 75% loan-to-value for secured transactions; general advance rate not published.
Rates & fees
Not published; sale-and-leaseback generally requires minimum 18% IRR.
Term
Typically up to 3 years; maximum 5 years where credit and asset life justify it.
Speed
Not published; complete proposals are requested to avoid decision delays.
Broker access
Direct and broker-originated applications; commercial SME broker product is published.
How to apply
Not published
Visit lender website
Kriya (Kriya from Allica Bank) (acq.)
Commercial loans (SME & corporate) · Fintech
Broker friendly
UK limited companies or LLPs, typically trading 3+ years, profitable, with filed accounts and homeowner director.
Loan size
£350k – £1m
Max leverage
Invoice finance advances up to 90% of outstanding invoice value.
Rates & fees
Business loans: 5.49%–8.49%; RLS up to 10.59%. Arrangement fees up to 8% or 5% respectively.
Term
Business loans: 1–5 years; RLS: 4–6 years; six months' interest-only available.
Speed
Decision within 24 hours, usually same day; funding potentially under an hour after signing.
Broker access
Direct website applications; broker acceptance and intermediary portal not published.
How to apply
Online application via Kriya platform
Visit lender website
Kriya Finance Limited (Kriya from Allica Bank)
Invoice finance · Non-bank specialist
UK B2B invoices; minimum 12 months' trading and one filed set of accounts. Consumer invoices excluded.
Loan size
£50k – £3m
Max leverage
Up to 90% of outstanding invoice value.
Rates & fees
Usually 1%–3% of invoice value; pricing varies individually and is provided after application.
Term
Invoice facilities: 3–12 months; working-capital loans available up to five years.
Speed
Typically within two working days after invoice verification; selective funding historically targeted within 24 hours.
Broker access
Direct online application; also available through finance panels, including CapExpand.
How to apply
Online application via Kriya platform
Visit lender website
Kuflink Bridging Ltd
Bridging finance · Non-bank specialist
Broker friendly
Residential, commercial, semi-commercial, auction, land, refurbishment, development, conversions, short leases and most commercial property types.
Loan size
£1m – £3m
Max leverage
70% maximum LTV
Rates & fees
Rates from 0.99% per calendar month; bespoke introducer packages from 0.65% pcm; 2% arrangement fee.
Term
From 6 months; flexible introducer terms up to 24 months.
Speed
Decision in Principle within 2 working hours; funding in as little as 5 days.
Broker access
Direct borrower enquiries and intermediary introductions; not broker-only.
How to apply
Online broker enquiry; DIP within two working hours
Visit lender website
Kuflink Development Finance
Development finance · P2P/platform
Broker friendly
Ground-up residential development, large extensions, PDR and change-of-use schemes, warehouse-to-flat conversions, and multi-unit freehold properties.
Loan size
£3m – ?
Max leverage
Not published; lending is against gross development value (GDV).
Rates & fees
Rates not published for development finance; broader offering from 0.65% pcm, with a 2% arrangement fee.
Term
Not published
Speed
Initial decision in four hours; funds potentially available within five days.
Broker access
Direct enquiries accepted; broker-only status not published.
How to apply
Online broker enquiry; DIP within two working hours
Visit lender website
Lendhub
Bridging finance · Non-bank specialist
Broker friendly
England and Wales; residential, commercial and mixed-use property; strategic investments, auctions, refinancing and development exits
Loan size
£100k – £10m
Max leverage
75% LTV headline; up to 80% LTV and 90% LTP stated in key features
Rates & fees
Rates from 0.79% per month; no exit fees. Other fee amounts not published.
Term
Up to 24 months
Speed
Indicative offer within minutes; Heads of Terms within one day; completion typically two weeks
Broker access
Direct applications accepted; not stated as broker-only
How to apply
Not published
Visit lender website
LendInvest
Bridging finance · Non-bank specialist
Broker friendly
Residential, semi-commercial, commercial, land and refurbishment. Regulated lending is residential-only. England and Wales for regulated bridging.
Loan size
Minimum and maximum loan sizes not published.
Max leverage
Up to 85% gross LTV; refurbishment GDV up to 70% LTGDV; regulated bridging up to 55% net LTV.
Rates & fees
Rates not published; stepped rates available. Fees include valuation, legal and title insurance charges. Standard 1% procuration fee.
Term
Unregulated bridging up to 18 months; regulated bridging up to 12 months.
Speed
Broker portal offers live progress updates and direct underwriter access; specific completion times not published.
Broker access
For intermediaries only; Broker Portal available for enquiries and applications. Refurbishment GDV unavailable through the portal.
How to apply
Intermediaries only; LendInvest Broker Portal
Visit lender website
LendInvest
Commercial mortgages · Non-bank specialist
Broker friendly
Semi-commercial, commercial property, land, permitted developments, refurbishment and short-term business cash flow; England, Wales and Scotland
Loan size
£200k – £15m
Max leverage
Up to 70% LTV shown for commercial bridging; maximum not separately stated
Rates & fees
Commercial bridging: 0.90% monthly up to 50%–60% LTV; 1% arrangement fee; no early repayment charge
Term
Up to 12 months for commercial bridging
Speed
Auction and fast-track funding available; specific completion times not published
Broker access
Direct lender with online portal; broker and intermediary distribution indicated
How to apply
Intermediaries only; LendInvest Broker Portal
Visit lender website
LendInvest
Development finance · Non-bank specialist
Residential ground-up developments, heavy refurbishment, conversions and new-builds across England, Scotland and Wales
Loan size
£1m – £20m
Max leverage
Up to 70% LTGDV and 85% LTC
Rates & fees
Rates from 5.5% + BBR p.a.; exit fee from 1%
Term
Up to 24 months
Speed
Indicative terms within 24 hours; in-house credit approval within 48 hours; interim drawdowns within 24 hours
Broker access
Distribution channel not published
How to apply
Intermediaries only; LendInvest Broker Portal
Visit lender website
Leumi ABL
Invoice finance · Challenger/specialist bank
Manufacturing, logistics, distribution, recruitment and professional services; growth, acquisitions, MBOs, MBIs and turnaround
Loan size
£100m – ?
Max leverage
Not published; plant and machinery advance depends on asset nature and valuation
Rates & fees
Interest rates and fees not published
Term
Term loans up to 5 years; other terms not published
Speed
Not published
Broker access
Works with private equity firms, debt advisors and corporate financiers; channel not specified
How to apply
Not published
Visit lender website
Liberis
Commercial loans (SME & corporate) · Fintech
Businesses with six-plus months' card history and £5,000 monthly card sales; retail, hospitality, food and beverage, and other card-based businesses.
Loan size
£1k – £2m
Max leverage
Not published; advances typically based on card-sales revenue, up to 50%–150% of average monthly card revenue.
Rates & fees
Factor rate 1.08–1.5; no traditional APR; arrangement fees, monthly fees, late fees, or early repayment penalties.
Term
Typically 6–10 months; no fixed term, with repayment dependent on card-sales volume.
Speed
Not published
Broker access
Direct applications and embedded offers through payment companies, marketplaces, and partner platforms.
How to apply
Not published
Visit lender website
Liberty Leasing
Asset finance · Non-bank specialist
Broker friendly
Equipment, vehicles, machinery, construction and plant, agricultural, engineering, specialist vehicles, buses, coaches, haulage, fleets, and classic cars
Loan size
£10k – £2m
Max leverage
Not published
Rates & fees
Interest 11%–16%; deposits may be required; other fees not published
Term
1–5 years
Speed
Funding decisions typically within 24 hours
Broker access
Direct provider; broker-only status not published
How to apply
Not published
Visit lender website
Lloyds Bank Asset Finance
Asset finance · High-street bank
Vehicles, machinery, equipment, technology, agriculture, construction, manufacturing, renewables, electric vehicles, office equipment and other business-critical assets.
Loan size
£250k – ?
Max leverage
Finance Lease up to 100%; Hire Purchase typically up to 100% corporate, 90% business; Sale & Hire Purchase Back up to 90%.
Rates & fees
Rates not published. Online applications may qualify for a waived £200 arrangement fee through 31 December 2026.
Term
Typically 12–60 months; Vehicle Contract Hire 24–60 months. Specialist terms vary.
Speed
Not published
Broker access
Direct applications, online quotes and Lloyds Bank relationship channels.
How to apply
Direct application via relationship team
Visit lender website
Lloyds Bank Commercial
Commercial loans (SME & corporate) · High-street bank
Businesses of all sizes, including new businesses, SMEs and larger companies; turnover and eligibility criteria apply.
Loan size
£1k – £1m
Max leverage
Not published
Rates & fees
11.2% fixed representative APR; actual rates vary. No arrangement or early repayment fees stated for advertised small-business loans.
Term
1 to 10 years online; monthly repayments typically apply.
Speed
Loan quotes available online; specific completion speed not published.
Broker access
Online applications, bank team enquiries and existing-customer channels.
How to apply
Direct application via relationship team
Visit lender website
Lloyds Bank Commercial
Commercial mortgages · High-street bank
Broker friendly
Owner-occupier, investment, healthcare, development and corporate property transactions; supports real estate, housing, manufacturing, retail and agriculture.
Loan size
£25k – £50m
Max leverage
Up to 70% LTV generally; selected healthcare practice purchases up to 100% LTV.
Rates & fees
Rates bespoke; from approximately 4.75% for strong deals. Arrangement, valuation, legal and early repayment fees may apply.
Term
Up to 25 years; fixed-rate periods typically two, three, five or ten years.
Speed
Not published
Broker access
Direct through Lloyds commercial banking and sector specialists; broker distribution not stated.
How to apply
Direct application via relationship team
Visit lender website
Lloyds Bank Commercial invoice finance
Invoice finance · High-street bank
Broker friendly
UK and overseas B2B invoices; minimum £100,000 turnover, credit terms and accounting software required.
Loan size
Not published
Max leverage
Up to 90% of invoice value; construction up to 70%.
Rates & fees
Individually priced; monthly funding and service fees apply. Amounts not published.
Term
Not published
Speed
Typically within 24 hours.
Broker access
Direct and through authorised brokers and intermediaries.
How to apply
Direct application via relationship team
Visit lender website
Lombard Asset Finance
Asset finance · High-street bank
Broker friendly
Vehicles, plant, machinery, equipment and technology; established businesses, sole traders and larger corporations
Loan size
£3k – £50m
Max leverage
Not published
Rates & fees
Indicative rates 4%–15% annually; representative APR 8.5%; fees and early-settlement charges may apply
Term
Typically 12–84 months; 48-month example reported
Speed
Standard SME applications typically 2–5 working days; complex deals may take 1–2 weeks
Broker access
Direct application following eligibility or introducer referral; broker-only status not stated
How to apply
Broker introduction and direct enquiry
Visit lender website
Magnet Capital
Development finance · Non-bank specialist
Broker friendly
Residential new-builds, conversions and refurbishments across England and Wales, primarily south of Manchester; supports individuals, companies, first-time and experienced developers.
Loan size
£500k – £4m
Max leverage
Up to 65% GDV, 90% LTC and 70% LTV; up to 100% development costs.
Rates & fees
Interest rates not published. Rolled-up or monthly serviced interest; arrangement, exit and third-party fees apply.
Term
Up to 18 months
Speed
Decision in principle often within minutes; stage payments targeted within 48 hours of inspection; completion typically 6–10 weeks.
Broker access
Broker-friendly and direct lender; direct contact with decision-makers. No intermediary portal published.
How to apply
Online enquiry form; direct underwriter contact
Visit lender website
Market Financial Solutions
Bridging finance · Non-bank specialist
Broker friendly
Residential, commercial, mixed-use, refurbishment, auction, buy-to-let, bad credit and complex borrower cases in England and Wales.
Loan size
£100k – £50m
Max leverage
Up to 75% LTV; up to 100% with additional security
Rates & fees
Variable rates from 0.40% plus BBR; fixed rates from 0.75%; exit fee POA.
Term
3–18 months
Speed
Initial response within four hours; funding potentially within three days.
Broker access
Direct borrowers and intermediaries; not broker-only.
How to apply
Online broker enquiry and BDM contact via website
Visit lender website
Market Financial Solutions
Commercial mortgages · Non-bank specialist
Broker friendly
Commercial, semi-commercial, specialist property, complex borrowers, expats, foreign nationals, trading companies, SPVs, trusts and adverse credit.
Loan size
£100k – £50m
Max leverage
Commercial up to 70% LTV; bridging up to 75%; second-charge and semi-commercial up to 70%.
Rates & fees
Rates not published; no bridging exit fees stated. Broker fees reported at 1.20% BTL and 1.50% bridging.
Term
Commercial term loans up to 10 years; bridging term not published.
Speed
Can complete in mere days.
Broker access
Intermediary and broker distribution; registration and support available.
How to apply
Online broker enquiry and BDM contact via website
Visit lender website
MarketFinance
Invoice finance · Fintech
Broker friendly
UK B2B limited companies and LLPs, including established businesses, eligible start-ups, construction, recruitment, technology, media, wholesale and retail.
Loan size
£50k – £350k
Max leverage
Invoice finance advances up to 90% of invoice value, varying by sector and client.
Rates & fees
Invoice finance: service or subscription fees, discount fee and £15 CHAPS listing fee. Flex Loans: 1.4%–4% per 30 days.
Term
Invoice finance has no minimum term. Flex Loans run for 12 months. RLS Loans run for 4, 5 or 6 years.
Speed
Not published
Broker access
Direct applications and broker/intermediary submissions; partner portal available with application tracking and commission arrangements.
How to apply
Online application via Kriya platform
Visit lender website
Maslow Capital (acq.)
Development finance · Non-bank specialist
Nationwide; residential, mixed-use, PRS, PBSA and retirement living; ground-up and part-built developments
Loan size
£20m – £750m
Max leverage
90% of cost; 70% of GDV
Rates & fees
Margins from 3.8%; fees bespoke and not fully published
Term
Not published; typically 18–36 months according to secondary review
Speed
Not published
Broker access
Not published
How to apply
Not published
Submission route not yet verified
Masthaven Finance
Bridging finance · Non-bank specialist
Broker friendly
Residential, refurbishment, semi-commercial, commercial and specialist bridging; manual underwriting.
Loan size
£50k – £3m
Max leverage
Up to 75% LTV residential; 70% refurbishment; 65% commercial; up to 70% LTGDV refurbishment.
Rates & fees
Rates from 0.79% monthly; 2% product fee, minimum £2,000; £395 drawdown fee; interest retained.
Term
Up to 12 months; interest rolled up.
Speed
Not published
Broker access
Distributed exclusively through intermediaries.
How to apply
Not published
Submission route not yet verified
Maxxia
Asset finance · Non-bank specialist
Broker friendly
Business asset finance, including vehicles, machinery, equipment, hire purchase, leases and asset refinancing.
Loan size
Not published
Max leverage
Not published
Rates & fees
Not published
Term
Not published
Speed
Not published
Broker access
Direct access or broker route not stated.
How to apply
Not published
Visit lender website
Merchant Money
Commercial loans (SME & corporate) · Non-bank specialist
Broker friendly
Businesses trading 12+ months with £100,000 annual turnover; MCAs require six months' card trading and £5,000 monthly turnover. Pubs, retail, salons, hotels, restaurants and e-commerce.
Loan size
£5k – £500k
Max leverage
No fixed LTV restrictions; may exceed 100% LTV. Merchant cash advances up to 100% of average monthly card transactions.
Rates & fees
Rates not published. Daily interest; fees declared on offers. No early repayment penalty on business loans. MCA repayments are pre-agreed.
Term
1–36 months for business loans; MCA term not published.
Speed
Online business-loan approval within 24 hours; funding commitment within 48 hours, including where a charge is required.
Broker access
Applications available online and by telephone; broker engagement evidenced, but broker-only status and intermediary portal not published.
How to apply
Not published
Visit lender website
Mercia
Development finance · Debt fund
UK residential, commercial, brownfield, strategic land and infrastructure-related development projects, particularly in underinvested regional markets
Loan size
Not published
Max leverage
Not published
Rates & fees
Not published
Term
Not published
Speed
Not published
Broker access
Not published
How to apply
Not published
Visit lender website
Metro Bank
Commercial loans (SME & corporate) · Challenger/specialist bank
UK businesses, generally up to £2 million turnover for business loans; commercial lending, ABL, acquisitions, MBOs, expansion and asset-backed facilities.
Loan size
£2k – £2m
Max leverage
ABL advances up to 90% receivables, 85% stock, 80% plant and machinery, and 75% commercial property.
Rates & fees
Business loans typically 9.6% fixed APR with zero arrangement fees; commercial and ABL pricing and fees are tailored.
Term
Business loans 1–5 years; commercial loans 1–30 years; ABL typically 1–5 years, with property terms up to 25 years.
Speed
Not published
Broker access
Metro Bank branches, app, business banking and specialist relationship teams; exact distribution coverage is not published.
How to apply
Broker introduction via relationship team
Visit lender website
Metro Bank
Commercial mortgages · Challenger/specialist bank
Broker friendly
England and Wales; businesses with at least two years' trading. No specific sectors or property types stated.
Loan size
£60k – £50m
Max leverage
Up to 85% LTV for loans up to £5m; a 75% LTV product is also available.
Rates & fees
Commercial rates tailored; specific fees not published. Business loans offer 9.6% fixed APR with zero arrangement fee.
Term
1–30 years; term facilities typically up to five years, with amortisation periods up to 30 years.
Speed
Not published
Broker access
Direct and intermediary routes; named commercial banking managers operate across 75 Metro Bank stores.
How to apply
Broker introduction via relationship team
Visit lender website
Metro Bank Asset Finance
Asset finance · High-street bank
Broker friendly
Machinery, vehicles, equipment, telecoms and computers; DIMS assets. Supports agriculture, construction, manufacturing, healthcare, transport and other sectors.
Loan size
Not published
Max leverage
Up to 75% of asset value for refinancing; new-purchase leverage not published.
Rates & fees
Fixed rate, determined by asset and market conditions; typically £299 documentation fee.
Term
Up to 7 years, depending on asset and useful lifespan.
Speed
Not published
Broker access
Direct through Metro Bank teams; intermediary route not published.
How to apply
Broker introduction via relationship team
Visit lender website
Metro Bank Invoice Finance
Invoice finance · Challenger/specialist bank
Broker friendly
Limited companies and LLPs selling products or services on credit to businesses; supports factoring, discounting and growth cash flow.
Loan size
£100k – ?
Max leverage
Up to 90% of invoice value.
Rates & fees
Discount fee charged daily on advances; service fee varies. Small Business Offering has one service fee and no discount fee.
Term
Flexible contract terms; 28 days' notice required for termination.
Speed
Cash against invoices available within 24 hours.
Broker access
Direct offering; intermediary distribution not published.
How to apply
Broker introduction via relationship team
Visit lender website
Mint Property Finance (formerly Mint Bridging)
Bridging finance · Non-bank specialist
Broker friendly
Residential, commercial, refurbishment, development, conversions and ground-up builds across England, Wales and Scotland
Loan size
£25k – £5m
Max leverage
Up to 85% LTV standard; 90% GDV refurbishment; 70% LTV commercial
Rates & fees
Rates from 0.40% per month; fees not published
Term
No minimum term; up to 18 months stated
Speed
Decision in principle within 48 hours; funding in as little as three days on prepared cases
Broker access
Direct lender; broker-only status not published
How to apply
Not published
Visit lender website
Mitsubishi HC Capital UK PLC, trading as Novuna Business Finance
Asset finance · Non-bank specialist
Broker friendly
UK SMEs with at least three years' trading; vehicles, fleets, technology, plant, machinery and industrial equipment
Loan size
£1k – £5m
Max leverage
Not published
Rates & fees
Indicative rates 4%–18% per annum; representative APR 8.9%; early settlement charges may apply
Term
Typically 4–5 years for hire purchase and leasing; 3 years for block discounting
Speed
Not published
Broker access
Direct, brokers, manufacturers, dealers, vendor partnerships and point-of-purchase finance
How to apply
Broker submission via intermediary team
Visit lender website
Molo Finance
Commercial mortgages · Non-bank specialist
Broker friendly
Buy-to-let, HMO, MUFB, holiday lets, SPVs, limited companies, student and corporate lets; first-time landlords considered.
Loan size
£45k – £5m
Max leverage
Up to 80% LTV generally; 75% HMO, New Build, MUFB and additional-borrowing remortgages.
Rates & fees
Rates not published in criteria; product guide lists fixed rates from 3.24% and fees from 2.5%.
Term
5 to 35 years.
Speed
Real-time lending decisions; loans delivered in days, not weeks.
Broker access
Intermediary access through Molo's platform and Dynamo for Intermediaries; direct availability not published.
How to apply
Not published
Visit lender website
Monmouthshire Building Society
Commercial mortgages · Building society
Broker friendly
England and Wales, excluding Scilly Isles, Isle of Man and Channel Islands. Residential, BTL, limited-company BTL, HMOs, MUF, holiday lets and semi-commercial.
Loan size
£40k – £10m
Max leverage
Up to 80% LTV for BTL and holiday lets; 75% for HMOs, MUF and portfolios.
Rates & fees
Rates not published. £150 non-refundable application fee; valuation fee payable; product fees may be added.
Term
5–40 years; debt consolidation maximum 25 years where applicable.
Speed
New origination platform intended to make applications and approvals smoother and quicker; specific timescales not published.
Broker access
Broker market through selected distributors, including TMA Club's directly authorised partners; wider launch planned.
How to apply
Not published
Visit lender website
MT Finance
Bridging finance
Broker friendly
Residential, semi-commercial, commercial property, heavy refurbishment and regulated bridging. Nurseries and healthcare properties capped at 65% LTV.
Loan size
£50k – £10m
Max leverage
Up to 70% LTV first charge; 65% second charge. Heavy refurbishment up to 65%; commercial specialist assets capped at 65%.
Rates & fees
Indicative rates 0.89%–1.05% monthly. Facility fee 2% (minimum £2,000); £879 administration fee; fees deducted at completion.
Term
1–24 months; regulated bridging 1–12 months.
Speed
Not published
Broker access
Intermediary-focused; introducer services, submission portal and BDM contacts provided. Direct-to-consumer availability not stated.
How to apply
Broker submission portal and BDM contacts
Visit lender website
NatWest
Commercial loans (SME & corporate) · High-street bank
Broker friendly
Small and medium-sized businesses; funding for equipment, investment, expansion and other business purposes. High-risk markets may be declined.
Loan size
£1k – £10m
Max leverage
Not published
Rates & fees
Small Business Loan representative fixed rate 8.2%; no setup, arrangement or early repayment fees. Other products may have fees.
Term
Small Business Loan: 1–7 years. Fixed and variable loans: up to 25 years.
Speed
Online application takes approximately 10 minutes; approved applicants could receive funds within 24 hours, or same day subject to conditions.
Broker access
Direct online applications; online quotes available. Broker-only distribution, intermediary portal and BDM details not published.
How to apply
Direct and broker introduction via relationship team
Visit lender website
NatWest
Commercial mortgages · High-street bank
Broker friendly
Business-use commercial premises, purchases and remortgages; SME and commercial buy-to-let lending referenced.
Loan size
£25k – £10m
Max leverage
Typically 25% deposit, implying approximately 75% LTV; maximum leverage not published.
Rates & fees
Rates depend on circumstances; variable rates track NatWest Bank base rate. Arrangement, security and product fees may apply.
Term
Up to 25 years; minimum term not published.
Speed
Not published
Broker access
Direct applications via NatWest dedicated team or Relationship Manager; broker-only status not stated.
How to apply
Direct and broker introduction via relationship team
Visit lender website
NatWest Invoice Finance (provided by RBS Invoice Finance Limited)
Invoice finance · High-street bank
Invoice discounting from £300,000 turnover; asset-based lending from £6.5 million turnover. UK businesses; haulage, manufacturing and recruitment mentioned.
Loan size
Not published
Max leverage
Up to 90% of outstanding invoices for invoice discounting
Rates & fees
Rates not published; product fees may apply
Term
Not published
Speed
Up to 90% of invoice value available within 24 hours
Broker access
Direct lending; facilities can be managed online through FacFlow
How to apply
Not published
Visit lender website
Novuna Business Cash Flow
Invoice finance · Non-bank specialist
UK B2B SMEs issuing regular invoices, including wholesalers, manufacturers, agencies, construction, recruitment, transport and professional services.
Loan size
No minimum or maximum invoice finance facility stated.
Max leverage
Typically up to 90% of unpaid invoices; comparison offers may provide up to 100%.
Rates & fees
Rates from 0.5%; service fee and finance charge apply. No hidden fees stated.
Term
Six-month trial, then rolling contract; other term ranges not published.
Speed
Funding can be available within 24 hours; same-day funding is available.
Broker access
Direct applications and provider comparison; offers Novuna's in-house solution or alternative providers.
How to apply
Broker submission via intermediary team
Visit lender website
Novuna Business Finance
Asset finance · Captive
Broker friendly
UK businesses trading at least three years; limited companies, PLCs, LLPs, sole traders and partnerships. Transport, manufacturing, technology, green assets, construction and other sectors.
Loan size
£5k – £25m
Max leverage
Not published
Rates & fees
Rates and specific fees not published
Term
Asset finance: 1 month–7 years; invoice finance: 3–12 months
Speed
Not published
Broker access
Direct enquiries via website, telephone and email; not stated as broker-only
How to apply
Broker submission via intermediary team
Visit lender website
Novuna Business Finance (formerly Hitachi Capital Business Finance)
Asset finance · Non-bank specialist
Broker friendly
UK businesses seeking finance for vehicles, machinery, plant and other tangible business equipment; good credit and trading history relevant.
Loan size
£1k – £500k
Max leverage
Not published
Rates & fees
Individually priced; asset finance rates previously from 5.9% APR. Fees typically £100–£250, plus applicable purchase or settlement fees.
Term
Typically 1–7 years for hire purchase; 12 months to several years generally.
Speed
Not published
Broker access
Direct applications via telephone or online enquiry; intermediary route not clearly published.
How to apply
Broker submission via intermediary team
Visit lender website
Nucleus Commercial Finance
Commercial loans (SME & corporate) · Non-bank specialist
Broker friendly
UK SMEs trading at least 12 months; all sectors. UK director and Open Banking access required; homeowner requirements may apply.
Loan size
£3k – £2m
Max leverage
Not published
Rates & fees
Business Loans from 16.5%; RBL factor rate stated as 15 and 1.35; no early repayment fees when settled in full.
Term
Three months to six years; some materials state terms up to seven years.
Speed
Over 95% of deals reportedly decided within one minute; funding may arrive the same day or within 24 hours.
Broker access
Direct online applications; applications may also start through a CRM introducer platform. Not stated as broker-only.
How to apply
Broker portal and BDM submission
Visit lender website
Nucleus Commercial Finance
Invoice finance · Non-bank specialist
Broker friendly
B2B businesses with established, reliable-paying customers; SMEs and turnaround situations
Loan size
£100k – £50m
Max leverage
Not published; example shows 80% advance against invoice
Rates & fees
Fees from 0.1% to 2% per invoice; interest rate not published
Term
Short-term facility; specific term range not published
Speed
Typically around one month; funding line available within one day after acceptance
Broker access
Direct and introducer relationships; not broker-only
How to apply
Broker portal and BDM submission
Visit lender website
OakNorth Bank
Bridging finance · Challenger/specialist bank
Broker friendly
Commercial and residential property, land, developments, acquisitions, working capital, machinery, stock and delayed project funding.
Loan size
£1m – ?
Max leverage
Typically 50–60% LTV.
Rates & fees
Fixed or variable rates; higher than longer-term finance. Arrangement, valuation and administrative fees may apply; amounts not published.
Term
One month to three years; most bridges generally last no more than 12–18 months.
Speed
Fast decision-making; corporate finance can complete within weeks. No standard bridging timeframe published.
Broker access
Direct and intermediary lending; works with brokers, accountants, lawyers, corporate advisers and other professional introducers.
How to apply
Not published
Visit lender website
OakNorth Bank
Commercial loans (SME & corporate) · Challenger/specialist bank
Broker friendly
UK businesses trading at least two years, profitable, turnover above £1 million; growth, property, acquisitions and specialist sectors. Excludes gambling, weapons, oil and gas.
Loan size
£1m – ?
Max leverage
Up to 75% LTV or less for eligible UK property projects; otherwise not published.
Rates & fees
Not published; pricing depends on borrower risk profile, credit history and sector.
Term
Not published; fixed-term, revolving, amortising and non-amortising structures available.
Speed
Funding can often be delivered or arranged within weeks, subject to complexity, information and credit review.
Broker access
Direct application via short form; no everyday banking switch required. Broker-only status and intermediary portal not published.
How to apply
Not published
Visit lender website
OakNorth Bank
Development finance · Challenger/specialist bank
Broker friendly
Ground-up development, heavy refurbishment, conversion and renovation; UK property and housing development
Loan size
£1m – ?
Max leverage
Typically up to 55% of GDV
Rates & fees
Rates not published; arrangement, valuation, monitoring, exit and other fees may apply
Term
Up to 36 months
Speed
Not published
Broker access
Direct lender; broker involvement possible
How to apply
Not published
Visit lender website
Oblix Capital
Bridging finance · Non-bank specialist
Broker friendly
Residential, refurbishment, commercial, semi-commercial, permitted development, development exit, land with planning and second-charge bridging.
Loan size
£50k – £7.5m
Max leverage
Up to 75% LTV residential, refurbishment, permitted development and development exit; 70% commercial; 65% land-with-planning and second charge.
Rates & fees
Rates from 0.65% monthly residential/refurbishment/development exit; 0.75%–1% other products. Fees not published.
Term
3–12 months across listed products.
Speed
Not published
Broker access
Borrowers include individuals, partnerships and limited companies; broker-only or direct distribution not published.
How to apply
Not published
Submission route not yet verified
Octane Capital
Commercial mortgages · Challenger/specialist bank
Residential, semi-commercial and commercial property; refurbishment, developer exit, auction, planning and business-purpose cases. Flexible borrower profile.
Loan size
£175k – £25m
Max leverage
Up to 75% LTV; refurbishment loans may include 100% of refurbishment costs.
Rates & fees
Rates from 0.73% monthly; 2% arrangement fee; no exit fee; borrower pays valuation and legal costs.
Term
Typically 12–18 months; maximum 24 months.
Speed
Fast completions supported; auction finance and remote valuations available on qualifying cases. No specific completion timeframe published.
Broker access
Not published
How to apply
Not published
Visit lender website
Octopus Real Estate
Bridging finance · Non-bank specialist
Residential houses, bungalows and flats; England and Wales; open-market purchases, refinancing, chain breaks and urgent finance.
Loan size
£150k – £1m
Max leverage
Up to 70% LTV generally; 65% regulated and 70% unregulated bridging.
Rates & fees
Rates from 0.45% regulated and 0.55% unregulated monthly; fees not published.
Term
Regulated loans up to 12 months; unregulated loans 1–23 months.
Speed
Fast Track offers reduced legal due diligence, AVM and no search indemnity; completion timescale not published.
Broker access
Not published
How to apply
Not published
Visit lender website
Octopus Real Estate
Development finance · Non-bank specialist
UK-wide housing, flattened, mixed-use, student, PRS, care and retirement schemes; experienced developers required.
Loan size
£100k – £100m
Max leverage
Up to 70% LTV, 85% LTC and 65% LTGDV
Rates & fees
Development rates from 8.00% annually; arrangement fee up to 1%; 2% exit fee
Term
12–36 months for residential development loans; other terms negotiated
Speed
Not published
Broker access
Not published
How to apply
Not published
Visit lender website
Optimum Finance
Invoice finance · Non-bank specialist
Broker friendly
UK SMEs and mid-market businesses; recruitment, manufacturing and distribution; generally prefers trading history
Loan size
£50k – ?
Max leverage
Up to 90% advance rate
Rates & fees
Service charges from 0.75%; illustrative discount charge base rate + 2.5%, not published rates
Term
Not published
Speed
5 days
Broker access
Direct access and E3 online account system; broker-only status not published
How to apply
Not published
Visit lender website
Ortus Secured Finance
Bridging finance · Non-bank specialist
Broker friendly
UK and non-UK borrowers; residential, commercial, hospitality, care, retail and mixed-use property; purchases, refinancing, refurbishment and capital raising
Loan size
£100k – £50m
Max leverage
Up to 70% LTV for Standard Bridge
Rates & fees
Rates from 0.499% monthly; arrangement fees from 1%, or 2% for Standard Bridge
Term
3–36 months for residential bridging; generally 6–24 months
Speed
Credit-backed AIP in under 24 hours; completion as quickly as one week, averaging three to four weeks
Broker access
Direct and intermediary enquiries accepted; not broker-only
How to apply
Online enquiry form and regional BDM contact
Visit lender website
Ortus Secured Finance
Development finance · Non-bank specialist
Broker friendly
Commercial, mixed-use, residential, leisure, care and specialist assets; development exits, refurbishment, restructuring and complex cases
Loan size
£100k – £25m
Max leverage
Up to 70% LTV
Rates & fees
Rates from 0.499% monthly; arrangement fees from 1% gross loan
Term
Typically 6–24 months; up to 3 years
Speed
Credit-backed AIP within 24 hours; no completion time published
Broker access
Intermediary-focused; direct-client enquiries also accepted on website
How to apply
Online enquiry form and regional BDM contact
Visit lender website
Oxford Capital Finance
Asset finance · Non-bank specialist
Life sciences, healthcare services, business services, software, technology, healthtech and SaaS; worldwide lending.
Loan size
$5 million–$350 million
Max leverage
Not published
Rates & fees
Not published
Term
Not published
Speed
Not published
Broker access
Not published
How to apply
Not published
Submission route not yet verified
Paragon Asset Finance
Asset finance · Challenger/specialist bank
Broker friendly
UK sole traders, limited companies and partnerships across transport, construction, manufacturing, agriculture, healthcare, retail fit-outs and technology.
Loan size
£1k – £2m
Max leverage
Not published
Rates & fees
Bespoke fixed or variable pricing; arrangement, documentation, broker and possible early-settlement fees apply.
Term
3 months to 6 years
Speed
Applications up to £150,000 may receive instant or same-day automated decisions; online applications take minutes.
Broker access
Direct and intermediary distribution; broker portal available for submitting and tracking applications.
How to apply
Broker submission via intermediary team
Visit lender website
Paragon Bank PLC
Bridging finance · Challenger/specialist bank
Broker friendly
Offers development finance, business lending and buy-to-let; specific bridging appetite not confirmed.
Loan size
£1m – £35m
Max leverage
Bridging leverage not published; development finance up to 65% of net investment value.
Rates & fees
Bridging rates and fees not published.
Term
Bridging term not published.
Speed
Not published
Broker access
Applications through an intermediary portal; direct access is not clearly stated.
How to apply
Broker submission via intermediary portal
Visit lender website
Paragon Bank PLC
Commercial loans (SME & corporate) · Challenger/specialist bank
Broker friendly
SME asset finance for equipment, vehicles, machinery, technology, construction, agriculture, aviation and manufacturing; also business loans and specialist finance.
Loan size
£2k – £35m
Max leverage
Up to 95% invoice advance; up to 65% net investment value for pre-let commercial development finance; asset-finance leverage not published.
Rates & fees
Not published
Term
Hire purchase terms up to five years; other product terms not published.
Speed
Automated eligible SME lending decisions up to £150,000; no specific completion timeframe published.
Broker access
Direct digital portal and intermediary distribution; specialist teams support business asset finance.
How to apply
Broker submission via intermediary portal
Visit lender website
Paragon Bank PLC
Commercial mortgages · Challenger/specialist bank
Broker friendly
Buy-to-let, HMOs, MUFBs, limited-company SPVs, LLPs, portfolio landlords, development finance and structured lending.
Loan size
£30k – £35m
Max leverage
Up to 80% LTV for eligible buy-to-let properties; typically 70%–75% for HMOs and MUFBs.
Rates & fees
Fixed rates from 4.24%; application fee £299; product fees nil or 3%–5%; valuation incentives may apply.
Term
Buy-to-let mortgage term not published; second-charge terms 5–30 years.
Speed
Not published
Broker access
Intermediary-led and available through lending panels, including CapExpand.
How to apply
Broker submission via intermediary portal
Visit lender website
Paragon Bank PLC
Development finance · Challenger/specialist bank
Broker friendly
UK residential and commercial development, conversions, refurbishments, student accommodation, acquisitions and sites without planning.
Loan size
Not published
Max leverage
Not published
Rates & fees
Rates not published; 50% exit-fee reduction for qualifying Green Homes developments.
Term
Not published
Speed
No timescale published; states it works quickly to provide suitable funding.
Broker access
Intermediary portal available; development-finance direct or broker-only status not published.
How to apply
Broker submission via intermediary portal
Visit lender website
Paragon Development Finance
Development finance · Challenger/specialist bank
Broker friendly
Residential developments, conversions, refurbishments, multi-unit housing, student accommodation, commercial developments, acquisitions and completed units.
Loan size
£1m – £60m
Max leverage
First charge up to 70% of value
Rates & fees
Competitive rates; loan exit fees. Green Homes offers 50% exit-fee reduction for eligible developments.
Term
Not published
Speed
Funding offered quickly; no specific completion timeframe published.
Broker access
Intermediary site; development finance is not explicitly broker-only or direct-only.
How to apply
Broker enquiry via intermediary site
Visit lender website
Paragon Invoice Finance (Paragon Bank PLC)
Invoice finance · Challenger/specialist bank
Invoice finance offered; sectors and eligibility criteria not published.
Loan size
£50k – £2m
Max leverage
Up to 95% of invoice value
Rates & fees
Not published
Term
Not published
Speed
Not published
Broker access
Available through CapExpand's lender panel; wider distribution not published.
How to apply
Broker submission via intermediary portal
Visit lender website
Pepper Money UK
Bridging finance · Non-bank specialist
Broker friendly
Residential property, auction purchases, renovations, chain breaks, land, commercial property and mixed-use sites.
Loan size
Not published for bridging finance
Max leverage
Not published for bridging finance
Rates & fees
Typical bridging rates cited: 0.5%-1.5% monthly; arrangement fees typically 1%-2%; valuation and legal fees may apply.
Term
Typically one to 18 months
Speed
Not published
Broker access
Broker-facing; works with brokers experienced in short-term lending.
How to apply
Not published
Visit lender website
Platform Black
Invoice finance · P2P/platform
Broker friendly
SMEs and small corporates; two years' trading, £500,000+ turnover, profitable six months; manufacturing, construction, public sector and services.
Loan size
£10k – £15m
Max leverage
Not published
Rates & fees
0.5% per 30 days for top-quality debt; typical total cost 1%–3%; £310 plus VAT registration and 0.5% transaction fee.
Term
30, 60 or 90 days.
Speed
Funding described as quick and simple; no specific completion timeframe published.
Broker access
Online marketplace; businesses upload invoices and registered funders bid. Direct platform access; no intermediary portal or BDM stated.
How to apply
Online platform application
Visit lender website
Pluto Finance
Development finance · Non-bank specialist
Broker friendly
UK and selected European markets. Residential, commercial, regeneration, brownfield, logistics, industrial, offices, hotels, mixed-use and specialist sectors.
Loan size
£5m – £150m
Max leverage
Up to 70% GDV for development finance.
Rates & fees
Competitive pricing; no indicative rates or fees published. Tailored fixed and variable rates available.
Term
18–36 months for development finance.
Speed
Fast and flexible delivery claimed; specific completion timeframe not published.
Broker access
Direct lending; broker-only status and intermediary portal not published. UK and Europe lending teams available.
How to apply
Not published
Visit lender website
PNC Business Credit
Invoice finance · Challenger/specialist bank
Manufacturing, distribution, retail, wholesale and business services; supports companies and private equity firms.
Loan size
£500 – £150m
Max leverage
Not published
Rates & fees
Not published
Term
Up to 5 years; flexible amortisation schedules.
Speed
Not published
Broker access
Not published
How to apply
Not published
Submission route not yet verified
Praetura Asset Finance
Asset finance · Non-bank specialist
Broker friendly
UK businesses including limited companies, sole traders, partnerships and PLCs; vehicles, plant, equipment and refinancing
Loan size
£8k – £2m
Max leverage
Not published
Rates & fees
Rates and fees are deal-specific and not published
Term
Not published; minimum term referenced
Speed
Not published
Broker access
Works with brokers, accountants and companies; direct-lending position unclear
How to apply
Not published
Visit lender website
Praetura Commercial Finance
Invoice finance · Non-bank specialist
Established UK manufacturing and distribution businesses; typically £1m–£10m turnover. Recruitment agencies via Zodeq.
Loan size
£250k – ?
Max leverage
Around 85% maximum advance rate; LTV/LTC/LTGDV not published
Rates & fees
Discount charge from BoE +2.0%; service charges from 0.7%
Term
Not published; debtor payment terms typically 30–60 days
Speed
7 days
Broker access
Not published
How to apply
Not published
Visit lender website
Precede Capital Partners
Development finance
Broker friendly
UK residential, commercial and living real estate; development, bridging and environmentally sustainable projects
Loan size
£5m – £30m
Max leverage
not published; page also mentions unidentified percentages up to 85% and 75%
Rates & fees
Not published
Term
Not published
Speed
Speed and flexibility promoted; no completion timeframe published
Broker access
Broker-only or direct status not published
How to apply
Not published
Visit lender website
Precise Mortgages
Bridging finance · Non-bank specialist
Broker friendly
Standard, light and heavy refurbishment, developer exit, auction, chain-break, conversion, owner-occupier and investment properties.
Loan size
£50k – ?
Max leverage
Up to 75% LTV standard/light refurbishment; 70% heavy refurbishment; 65% above £2.5 million; maximum 90% LTP.
Rates & fees
Rates from 0.60% monthly; 2% facility fee; assessment, transfer and redemption fees apply; no exit fee.
Term
Minimum one month; maximum 12 months regulated and 18 months non-regulated.
Speed
Not published
Broker access
Available through qualified brokers and intermediaries; specialist finance account managers support submissions.
How to apply
Not published
Visit lender website
Precise Mortgages
Commercial mortgages · Non-bank specialist
Broker friendly
Commercial assets, HMOs, multi-unit blocks, BTL, investment properties and commercial-to-residential conversions
Loan size
£75k – £3m
Max leverage
75% LTV generally; up to 80% for qualifying new-build and ex-local-authority properties
Rates & fees
Commercial mortgages from 5.5% annually; fees not published
Term
Up to 35 years for relevant mortgage products; commercial term not published
Speed
Credit decisions within 48 hours; completions typically 4–8 weeks
Broker access
Broker-only; applications submitted through authorised intermediaries
How to apply
Not published
Visit lender website
Principality
Commercial mortgages · Building society
Broker friendly
England and Wales; commercial investment, development, owner-occupied property, offices, retail, industrial, leisure, land and registered social landlords.
Loan size
Minimum and maximum commercial loan sizes not published.
Max leverage
Maximum LTV not published; average commercial-loan LTV was 53.1% at 31 December 2024.
Rates & fees
Interest rates and fees not published.
Term
Not published
Speed
Current intermediary service levels: eight days for document assessment and ten days to issue an offer after paperwork processing.
Broker access
Intermediary channel with local BDM support, mortgage teams and MSO portal. Commercial lending activity is described in annual accounts.
How to apply
Not published
Visit lender website
Propel Finance
Asset finance · Non-bank specialist
Broker friendly
UK businesses of all sectors, sizes and stages; equipment, vehicles, technology and business assets.
Loan size
£500 – £1m
Max leverage
Up to 100% of new-asset invoice excluding VAT, subject to credit profile.
Rates & fees
Risk-based bespoke pricing; no indicative rates published. Fees depend on product and agreement.
Term
Typically 12–48 months; longer terms may apply to heavy machinery, vehicles and industrial plant.
Speed
Not published
Broker access
Direct lending, brokers, technology partners, vendor finance and PropelPay.
How to apply
Broker portal submission
Visit lender website
Proplend
Bridging finance · P2P/platform
Commercial property in England and Wales, including purchases, refinancing, capital raising and bridging.
Loan size
£5m – ?
Max leverage
Up to 75% LTV; Tranche A 0–50%, B 51–65%, C 66–75%.
Rates & fees
Rates are loan- and tranche-specific; typically 2% arrangement fee, plus applicable legal, valuation and broker fees.
Term
Usually up to 18 months for non-income-producing properties; minimum term not published.
Speed
Not published
Broker access
Direct peer-to-peer lending platform connecting investors with borrowers.
How to apply
Not published
Visit lender website
Proplend
Development finance · P2P/platform
Broker friendly
Commercial property in England and Wales, including income-producing investment property and non-income-producing bridge assets.
Loan size
£5m – ?
Max leverage
Up to 75% LTV; tranches are 0–50%, 51–65% and 66–75%.
Rates & fees
Loan- and tranche-specific gross fixed rates; 10% lender interest fee and 0.5% secondary-market novation fee.
Term
Investment loans maximum three years; bridge loans under 18 months; VAT loans three months.
Speed
Not published
Broker access
Direct P2P platform connecting borrowers and investors; no broker-only restriction stated.
How to apply
Not published
Visit lender website
Pulse Cashflow Finance
Invoice finance · Non-bank specialist
UK limited companies; manufacturing, transport, recruitment, construction, security and healthcare; established businesses and qualifying startups
Loan size
£200k – £5m
Max leverage
Up to 90% of invoice value; construction typically 75%-85%
Rates & fees
Finance charge individually quoted above Bank of England base rate; service fee based on annual turnover
Term
Not published
Speed
Decisions in 48-72 hours; standard setup 5-7 working days; approved invoices funded within 24 hours
Broker access
Whole-turnover invoice finance; factoring and confidential invoice discounting; selective invoice finance unavailable
How to apply
Not published
Submission route not yet verified
Puma Property Finance
Development finance · Non-bank specialist
Professional UK developers; ground-up developments, conversions, all property classes, and selected stabilisation projects
Loan size
£10m – £100m
Max leverage
Maximum 70% LTV and 85% LTC
Rates & fees
Rates not published; impact loans may receive fee reductions up to 1% of total loan
Term
Up to 36 months
Speed
Not published
Broker access
Not published
How to apply
Not published
Visit lender website
Pure Commercial Finance Limited
Bridging finance · Non-bank specialist
Broker friendly
UK residential, commercial, land, development, portfolios, auctions, complex cases, poor credit and non-status lending considered.
Loan size
£50k – ?
Max leverage
Up to 85% LTV; 100%+ in some cases; up to 100% purchase price stated.
Rates & fees
Rates from 0.49%–0.50% per month; no upfront fees stated.
Term
From 1 month; deals structured up to 5 years.
Speed
Fast and quick turnaround times; cases may be considered without valuations.
Broker access
Credit broker, not lender; accesses 100+ lenders and an unrestricted lender panel.
How to apply
Online enquiry form and direct broker desk contact
Visit lender website
Recognise Bank
Commercial loans (SME & corporate) · Challenger/specialist bank
Sole traders, limited companies, LLPs, partnerships, PLCs, trusts, SIPPs and SSASs; owner-occupied, investment and commercial property.
Loan size
£250k – £10m
Max leverage
Up to 70% LTV for commercial mortgages and commercial bridging; up to 80% residential bridging.
Rates & fees
Commercial SVR 9.50%; commercial bridging from 0.84% monthly. Arrangement, valuation, legal, broker and early repayment fees may apply.
Term
Commercial mortgages up to 5 years, with repayment profiles up to 25 years; bridging loans up to 24 months.
Speed
Not published
Broker access
Not published
How to apply
Broker enquiry form and relationship manager
Visit lender website
Recognise Bank
Development finance · Challenger/specialist bank
Broker friendly
Residential and commercial property purchase/refinance, light refurbishment and land in England, Wales and Scotland; dedicated development finance not published
Loan size
£250k – £10m
Max leverage
Up to 75% residential; up to 70% commercial
Rates & fees
Residential rates from 0.60% monthly; commercial from 0.75%; arrangement fees up to 2%
Term
Bridging up to 24 months; commercial property loans up to 25 years
Speed
Not published
Broker access
Broker-distributed; procurement fee of up to 2% may be paid from arrangement fee
How to apply
Broker enquiry form and relationship manager
Visit lender website
Recognise Bank Asset Finance
Asset finance · Challenger/specialist bank
Business-critical assets, including commercial vehicles, plant and machinery, for UK SMEs.
Loan size
Not published
Max leverage
Not published
Rates & fees
Not published
Term
Not published
Speed
Not published
Broker access
Asset finance originated through a Forward Flow arrangement; management brought in-house on 31 October 2024.
How to apply
Not published
Visit lender website
Recognise Bank Limited
Commercial mortgages · Challenger/specialist bank
Broker friendly
Owner-occupied and investment commercial property; UK businesses, sole traders, companies, LLPs, partnerships, PLCs, trusts, SIPPs and SSASs.
Loan size
£250k – £7.5m
Max leverage
Up to 70% LTV
Rates & fees
Fixed and variable rates; commercial mortgage arrangement fee typically 1.5% of gross loan amount.
Term
Up to 25 years; interest-only considered subject to LTV and product criteria.
Speed
Not published for commercial mortgages; bridging Heads of Terms targeted within 48 hours.
Broker access
Broker-distributed; arrangement fees typically split 50/50 with the broker.
How to apply
Broker enquiry form and relationship manager
Visit lender website
Redwood Bank
Commercial mortgages · Challenger/specialist bank
Commercial investment, owner-occupier, commercially weighted large HMOs and MUFBs in England, Wales and Scotland. Minimum asset value £75,000.
Loan size
£250k – £6m
Max leverage
Maximum 70% LTV; cannot exceed 71.4% including fees.
Rates & fees
Interest rates not published. Products charge either 2% or 5% fees.
Term
2–25 years. Capital-and-interest repayment, with initial interest-only options up to five years.
Speed
Not published
Broker access
Not published
How to apply
Not published
Visit lender website
Roma Finance
Bridging finance · Non-bank specialist
Broker friendly
Residential, semi-commercial and commercial property, land, refurbishment, conversion, auction, development, BTL, HMO and serviced accommodation
Loan size
£75k – £3m
Max leverage
Up to 75% LTV bridging; 70% LTGDV and 80% LTC residential development; 65% LTGDV commercial
Rates & fees
Rates from 0.87% monthly; typically 2% arrangement fee, legal fees, valuation fees and possible exit fee
Term
Development finance up to 24 months; five-year term lending; bridging term not published
Speed
Not published
Broker access
Intermediary packaging and borrower solutions; RomaFLOW, RomaGROW and RomaPRO channels
How to apply
Broker submission via intermediary enquiry form
Visit lender website
Roma Finance
Development finance · Non-bank specialist
Broker friendly
Residential and commercial ground-up development, refurbishment, developer exit and bridging across England, Scotland and Wales; up to 12 units
Loan size
£75k – £3m
Max leverage
Up to 80% LTC, 70% LTGDV and 55% LTV for development finance
Rates & fees
Rates from 0.95% monthly; development arrangement fee typically 2%; legal, valuation, monitoring and possible exit fees apply
Term
Up to 24 months for development finance
Speed
Not published
Broker access
Intermediary-focused; applications packaged through brokers and intermediaries
How to apply
Broker submission via intermediary enquiry form
Visit lender website
Santander invoice finance
Invoice finance · High-street bank
Broker friendly
UK businesses seeking working-capital support; lending is subject to status, criteria, asset type and availability.
Loan size
£10k – £5m
Max leverage
Up to 90% of invoices; up to 85% against approved inventory, plant and machinery.
Rates & fees
Typical comparison rate: 8.6%; official Santander page does not publish rates or fees.
Term
Not published
Speed
Same-day access to money stated; secure online account access available 24/7.
Broker access
Direct through Santander Relationship Teams and Business Development Managers; broker-only status and intermediary portal not published.
How to apply
Not published
Visit lender website
Santander UK Corporate & Commercial
Commercial loans (SME & corporate) · High-street bank
UK-based businesses across sectors; financial sponsors team targets UK-headquartered, private-equity-backed businesses with minimum £2.5m EBITDA.
Loan size
£50k – £2.5m
Max leverage
Not published
Rates & fees
Indicative rates available through the portal; applicable fees discussed by the relationship team.
Term
Not published
Speed
Decision timing not published; Santander aims to respond promptly, subject to checks and additional information.
Broker access
Direct applications through Santander's online lending portal, supported by relationship teams and Business Banking Managers.
How to apply
Not published
Visit lender website
Santander UK plc
Commercial mortgages · High-street bank
UK businesses with turnover above £250,000; owner-occupied trading premises, purchases, refinancing and equity release. Excludes real estate investment.
Loan size
£25k – £2.5m
Max leverage
Not published
Rates & fees
Fixed or variable rates; arrangement, prepayment and other facility fees apply. Pricing is not published.
Term
Up to 25 years; minimum term not published.
Speed
Not published
Broker access
Direct applications and relationship-team support; online Digital Lending available for qualifying applications of £50,000 or more.
How to apply
Not published
Visit lender website
Satago
Invoice finance · Fintech
UK limited companies issuing B2B invoices on credit terms; connected accounting software required. Full finance requires £400,000+ turnover and 12+ months trading.
Loan size
£100k – ?
Max leverage
Up to 90% advance against financed invoices.
Rates & fees
Rates not published. Arrangement, monthly service and interest fees apply; no hidden fees stated.
Term
Single Invoice Finance has no minimum term. Full Invoice Finance usually requires at least 12 months.
Speed
Not published
Broker access
Online platform with online registration and applications; selective or whole-ledger invoice finance.
How to apply
Not published
Visit lender website
Scottish National Investment Bank
Development finance · Government-backed
Broker friendly
Scottish businesses, projects and communities; commercial debt, equity and funds supporting missions, including net zero, equality and innovation.
Loan size
£1m – £50m
Max leverage
Not published
Rates & fees
Interest rates agreed individually; arrangement and monitoring fees agreed per investment; fee levels not published.
Term
Long-term, patient investment; no standard term published.
Speed
Not published
Broker access
Direct/intermediary model not published. Seeks to crowd in private investment and act as a cornerstone investor.
How to apply
Not published
Submission route not yet verified
Secure Trust Bank Commercial Finance
Invoice finance · Challenger/specialist bank
Broker friendly
UK SMEs and some larger corporates; bespoke working capital and asset-based lending solutions
Loan size
Not published
Max leverage
Up to 90% of qualifying invoices
Rates & fees
Not published
Term
Not published
Speed
Not published
Broker access
Direct, private equity houses and professional introducers; not reliant on brokers
How to apply
Not published
Visit lender website
Secure Trust Bank Real Estate
Development finance · Challenger/specialist bank
Broker friendly
Mainland UK residential, PBSA, commercial pre-let, mixed-use and Build-to-Rent developments; experienced developers required.
Loan size
£2m – £45m
Max leverage
Residential/commercial: 85% LTC, 70%/65% LTGDV; PBSA: 75% LTC, 60% LTGDV; BTR: 80% LTC, 70% LTGDV.
Rates & fees
Rates not published; arrangement, flip and professional fees apply to Build-to-Rent.
Term
Up to 36 months; Build-to-Rent up to 60 months.
Speed
On-site visit, heads of terms and credit sanction process; completion timescale not published.
Broker access
Direct relationship-led lending; intermediary or broker distribution not published.
How to apply
Not published
Visit lender website
Shawbrook Asset Finance
Asset finance · Challenger/specialist bank
Established UK SMEs and lower mid-market businesses with two-plus years' operations, consistent performance and experienced management.
Loan size
£5m – £50m
Max leverage
Not published
Rates & fees
Rates and fees not published
Term
General term not published; property amortisation up to 30 years; interest-only periods available
Speed
Not published
Broker access
Direct lender; facilities may be bilateral or syndicated not stated
How to apply
Not published
Visit lender website
Shawbrook Bank
Bridging finance · Challenger/specialist bank
Broker friendly
Most property types, including complex residential/commercial property, refurbishment, auctions, HMOs, investment and development-exit cases.
Loan size
£50k – £25m
Max leverage
Up to 90% LTV on website; product guide states up to 85% residential and 70% commercial bridging.
Rates & fees
Rates from 0.74% monthly; arrangement fees typically 2%; broker procuration fee up to 1.95%.
Term
Up to 24 months; no minimum term or minimum interest period.
Speed
Instant heads of terms and indicative mortgage offers via broker portal; completion times not published.
Broker access
Professional intermediaries and mortgage brokers via MyShawbrook; direct application availability not stated.
How to apply
Broker portal submission via intermediary site
Visit lender website
Shawbrook Bank
Commercial mortgages · Challenger/specialist bank
Broker friendly
Commercial, semi-commercial, mixed-use, retail, industrial, offices, serviced offices, owner-occupied premises, portfolios and student accommodation.
Loan size
£150k – £35m
Max leverage
Up to 75% LTV; 70% for certain interest-only commercial assets; structured cases case-by-case.
Rates & fees
Rates from 5.24%; variable rates available; 0.25% arrangement-fee discount for subsequent Shawbrook mortgages.
Term
3–25 years; fixed periods of 2, 3, 5 or 10 years; interest-only available.
Speed
Commercial Trading offers quicker decisions, fewer documentation requirements and fast completion; no specific timescale published.
Broker access
Intermediary-led with broker-panel access; direct enquiries are also invited.
How to apply
Broker portal submission via intermediary site
Visit lender website
Shawbrook Bank
Development finance · Challenger/specialist bank
Broker friendly
UK residential, commercial, mixed-use, PBSA, care homes, senior living, co-living, conversions, refurbishments and phased developments
Loan size
£1m – £30m
Max leverage
Up to 85% LTC; 65% LTGDV new-build, 70% refurbishment
Rates & fees
Interest rates not published; arrangement, valuation, legal, monitoring, interest and insurance costs may apply
Term
Up to 36 months; BTR facilities typically 12–36 months
Speed
Not published
Broker access
Direct enquiries accepted; brokers can submit cases through Shawbrook's dedicated broker site
How to apply
Broker portal submission via intermediary site
Visit lender website
Shawbrook Bank Limited
Commercial loans (SME & corporate) · Challenger/specialist bank
Broker friendly
Established UK businesses, owner-occupiers, commercial and semi-commercial property, healthcare, developers, funds and sponsor-backed businesses.
Loan size
£150k – £35m
Max leverage
Up to 75% LTV; 70% interest-only for specified property types.
Rates & fees
Rates not published. Broker commission is generally paid by Shawbrook; exceptions may apply.
Term
3–25 years; interest-only terms available for 3–12 years.
Speed
Broker Hub provides E-Quote and hard-credit-backed indicative mortgage offers within 15 minutes; completion timing not published.
Broker access
Intermediary-led, with direct enquiries accepted and broker referrals available. Broker Hub supports applications and quotations.
How to apply
Broker portal submission via intermediary site
Visit lender website
Shawbrook Business Credit
Invoice finance · Challenger/specialist bank
Established UK SMEs and lower-mid-market businesses, typically operating at least two years with substantial assets and consistent performance.
Loan size
£5m – £50m
Max leverage
Not published; borrowing base determined by receivables, stock, plant, machinery, property and cash flow.
Rates & fees
Rates and fees not published; asset-based lending pricing is bespoke.
Term
No general term published; property facilities offer up to 30-year amortisation and optional interest-only periods.
Speed
Not published
Broker access
Not published
How to apply
Not published
Visit lender website
Siemens Financial Services
Asset finance · Captive
Broker friendly
Construction equipment finance; primarily new equipment, with qualifying used assets from authorised sources
Loan size
£50k – ?
Max leverage
Not published
Rates & fees
Competitive rates; no general fees published; nominal ownership fee may apply
Term
Not published
Speed
Preliminary checks can take a few days
Broker access
Direct; not stated as broker-only; account managers available
How to apply
Not published
Visit lender website
Siemens Financial Services
Invoice finance · Captive
Broker friendly
Business-only invoice finance; goods or services suppliers, subject to credit approval and local availability.
Loan size
Not published
Max leverage
Up to 90% of eligible invoices or sales ledger
Rates & fees
Not published
Term
Not published
Speed
Quick and easy access to working capital; no completion timetable published.
Broker access
Direct applications via Siemens; not stated as broker-only. Professional account managers and direct email contact.
How to apply
Not published
Visit lender website
Signature Property Finance
Bridging finance · Non-bank specialist
Broker friendly
Residential, commercial, semi-commercial, refurbishment, development, conversion and finisher facilities across England, Wales and Scotland.
Loan size
£100k – £3.5m
Max leverage
Up to 70% residential OMV; 60% commercial vacant possession; 65% GDV or 80% costs development; 100% LTV with additional security.
Rates & fees
Rates not published; call for current rates. Arrangement fees generally 2%; development and finisher fees negotiable; fast-exit fee 0%.
Term
1–24 months depending on product; most bridging products run up to 18 months, development finance up to 24 months.
Speed
Not published; offers a Fast Exit Residential Bridge product.
Broker access
Direct applications accepted; also works with brokers and their clients. Not broker-only.
How to apply
Not published
Visit lender website
Skipton Business Finance
Commercial loans (SME & corporate) · Non-bank specialist
UK SMEs and mid-market businesses with receivables, stock, machinery or property; sectors include manufacturing, logistics, wholesale and engineering.
Loan size
£2m – £25m
Max leverage
Receivables and stock up to 90%; property and plant machinery up to 75% LTV.
Rates & fees
Interest rates and fees not published.
Term
Property: five years, up to 20-year amortisation; plant: five years; cashflow loans: 36 months; stock: revolving.
Speed
Not published
Broker access
Not published
How to apply
Not published
Visit lender website
Skipton Business Finance
Invoice finance · Non-bank specialist
Start-ups through businesses with turnover up to £30 million; UK B2B invoices. Supports working capital, growth, acquisitions and MBOs.
Loan size
£25k – £5m
Max leverage
Up to 90% of eligible invoices; own FAQ states up to 100%.
Rates & fees
Rates not published; fees and charges apply.
Term
Facility term not published; invoice payment terms typically 14–90+ days.
Speed
Not published
Broker access
Not published
How to apply
Not published
Visit lender website
Somo
Bridging finance · Non-bank specialist
Broker friendly
Adverse credit, CCJs, defaults, arrears, IVAs, CVAs, bankruptcy, insolvency, self-employed and complex cases; property-backed lending.
Loan size
£28k – £3m
Max leverage
Up to 75% LTV; second-charge lending up to 70% LTV
Rates & fees
Rates from 0.71% per month; fees not published
Term
1–36 months; business bridging typically 1–24 months
Speed
Initial decision potentially within 30 minutes; funding from within 14 days
Broker access
Direct and broker enquiries accepted; broker contact details published
How to apply
Not published
Visit lender website
Somo
Development finance · Non-bank specialist
Broker friendly
Business-purpose UK property: acquisitions, refurbishments, conversions, development, refinancing, auctions and bespoke projects; adverse credit considered.
Loan size
£30k – £1.5m
Max leverage
Up to 75% LTV; platform lending is generally capped at 70%.
Rates & fees
Rates from 0.69%; fees not published.
Term
1–24 months; most loans are shorter than two years.
Speed
Funding available from within 14 days.
Broker access
Direct and broker enquiries accepted; approximately 96% of business comes through brokers.
How to apply
Not published
Visit lender website
Sonovate
Invoice finance · Fintech
Broker friendly
Recruitment agencies, consultancies and labour marketplaces; minimum turnover £50,000 for factoring and typically £250,000 for discounting.
Loan size
£1 – £10m
Max leverage
Up to 100% of each outstanding invoice
Rates & fees
Rates not published; flexible transparent pricing. Factoring fees apply; 1% example provided.
Term
Flexible; client-by-client or individual-invoice funding; no long-term agreement required.
Speed
Funds available in one to two business days after invoice submission; instant withdrawals stated.
Broker access
Direct platform; not described as broker-only. No intermediary portal stated.
How to apply
Online enquiry and partner referral
Visit lender website
Start-Up Loans Company
Commercial loans (SME & corporate) · Government-backed
Broker friendly
New businesses or businesses under three years old; most sectors supported. Excludes property investment, banking, money transfer and gambling.
Loan size
£500 – £100k
Max leverage
Not published
Rates & fees
Fixed 6% annual interest; no upfront fee stated; default charges may apply
Term
1–5 years
Speed
Potentially within one month if well prepared; longer if additional time is needed
Broker access
Direct online applications; Business Support Partners act as credit brokers for the Finance Provider
How to apply
Online application via delivery partners
Visit lender website
Swishfund
Commercial loans (SME & corporate) · Fintech
Broker friendly
UK limited companies with £50,000+ annual turnover, filed accounts and a business bank account; legitimate business purposes.
Loan size
£10k – £400k
Max leverage
Not published
Rates & fees
1.1%–3% monthly; one-off arrangement fee added to loan; no early settlement fee.
Term
3–24 months
Speed
Not published
Broker access
Direct online applications; finance broker or introducer involvement supported.
How to apply
Not published
Visit lender website
Syscap
Asset finance · Challenger/specialist bank
IT, telecoms, software, office equipment, vehicles, plant and machinery; SMEs and professional firms
Loan size
£100k – ?
Max leverage
Not published
Rates & fees
Fixed interest rate; indicative rate and fees not published
Term
Asset finance: 1–5 years
Speed
Same-day approval stated; credit decisions typically within 48 hours
Broker access
Not published; dedicated relationship manager mentioned
How to apply
Not published
Visit lender website
Tab Property Lending
Bridging finance · P2P/platform
Broker friendly
Residential and commercial investment property, including refurbishment and development; England, Wales and Scotland. No principal residence lending.
Loan size
£100k – £7.5m
Max leverage
Up to 75% LTV.
Rates & fees
Tracker rates from 6.00% above Bank of England base rate; no exit fees; broker fee 2.00% gross, 1.75% net.
Term
1–24 months.
Speed
Rapid loan processing; no specific completion timeframe published.
Broker access
Broker registration available; direct underwriter access; technology-enabled platform.
How to apply
Online application portal
Visit lender website
Tab Property Lending
Development finance · P2P/platform
Broker friendly
Ground-up developments, refurbishment projects and development lending secured on residential or commercial property.
Loan size
£100k – £10m
Max leverage
Up to 70% day-one LTV, 65% LTGDV, and 100% of development costs.
Rates & fees
Tracker rates from 8.50% above Bank of England base rate; 1% exit fee on development finance.
Term
1–24 months.
Speed
Not published for development finance; TAB may complete some loans within days.
Broker access
Brokers, direct borrowers and introducers; online applications and broker registration available.
How to apply
Online application portal
Visit lender website
Tandem Bank Limited
Asset finance · Challenger/specialist bank
Broker friendly
Motor finance, including EVs and eligible hybrid, petrol and diesel vehicles; also home improvements and mortgages.
Loan size
£10k – £250k
Max leverage
Up to 100% LTV; product guide lists 80%–95–100% LTV tiers.
Rates & fees
Fixed-rate products; interest rates not published. £895 lender fee; broker fee up to 12.5%.
Term
36–360 months; terms above 95% LTV limited to 180 months.
Speed
Not published
Broker access
Intermediary availability indicated by maximum broker fee; direct or broker channel details not published.
How to apply
Not published
Visit lender website
ThinCats (acq.)
Commercial loans (SME & corporate) · Non-bank specialist
Broker friendly
UK mid-sized SMEs, typically £0.5m–£40m gross assets and 10–250 staff; growth, acquisitions, refinancing, buy-and-build, healthcare and sponsor-backed deals.
Loan size
£1m – £30m
Max leverage
Up to 85% LTV; cashflow up to 4x EBITDA; healthcare up to 7x leverage
Rates & fees
Not published
Term
Up to 7 years; deal-specific for some facilities
Speed
Not published
Broker access
Direct and through brokers, professional advisers, corporate finance advisers and private equity investors
How to apply
Not published
Visit lender website
Tide
Commercial loans (SME & corporate) · P2P/platform
UK businesses seeking expansion, working capital, equipment, technology, property-backed finance, acquisitions, invoice finance, or cash-flow support.
Loan size
£1k – £20m
Max leverage
Secured lending typically 50–75% of asset value; potentially up to 100%.
Rates & fees
Rates not published. Free to apply; secured arrangement fees typically up to 1.5%, plus legal and valuation fees.
Term
One month–15 years generally; secured loans usually 1–25 years; short-term loans typically 3–24 months.
Speed
Applications take minutes; decisions within minutes. Funding may be available within 24–48 hours, depending on product.
Broker access
Direct online and through the Tide app; marketplace access to 80+ lending partners.
How to apply
Not published
Visit lender website
Time Finance plc
Asset finance · Non-bank specialist
Broker friendly
UK SMEs; equipment, vehicles, machinery, technology, furniture, software, refurbishment and asset refinance.
Loan size
£8k – £1m
Max leverage
Not published
Rates & fees
Rates and fees not published; pricing quoted individually. Competitive broker commission offered.
Term
One month to five years for asset finance
Speed
Not published
Broker access
Works with asset-finance brokers across the UK; direct lender and broker referrals accepted.
How to apply
Not published
Visit lender website
Time Finance plc
Invoice finance · Non-bank specialist
UK B2B businesses issuing invoices on credit terms, from start-ups and sole traders to established enterprises.
Loan size
£5m – ?
Max leverage
Up to 90% of unpaid invoices, less agreed fees.
Rates & fees
Rates not published. Fees agreed individually; invoice finance includes service and discount charges.
Term
Short- and medium-term borrowing; specific term range not published.
Speed
Funding available within 24 hours of invoice raising.
Broker access
Direct lender providing invoice finance, factoring, discounting, credit control and asset-based lending solutions.
How to apply
Not published
Visit lender website
Together
Bridging finance · Non-bank specialist
Broker friendly
Residential and commercial property, refurbishment, auctions, development, investment, land, business expansion and capital raising
Loan size
£26k – £5m
Max leverage
Up to 75% LTV; sometimes 100% with additional property security
Rates & fees
Rates from 0.83% monthly; fees not published
Term
Typically 12 months; development finance up to 24 months
Speed
Not published
Broker access
Direct applications and intermediary submissions supported
How to apply
Intermediary submission via broker site
Visit lender website
Together
Commercial mortgages · Non-bank specialist
Broker friendly
Commercial and semi-commercial property, land, retail, hospitality, offices, warehouses, industrial units and factories.
Loan size
£50k – £5m
Max leverage
Up to 70% LTV; potentially 100% with additional security
Rates & fees
Rates not published. Arrangement, early repayment and redemption administration fees apply.
Term
Not published; bridging loans available for up to 12 months
Speed
Bridging loans may be arranged in a matter of days.
Broker access
Direct applications and broker packaging/submissions supported.
How to apply
Intermediary submission via broker site
Visit lender website
Together
Development finance · Non-bank specialist
Broker friendly
Residential, commercial, student accommodation, HMOs, social housing, starter units, conversions and refurbishment
Loan size
£500k – £20m
Max leverage
Up to 70% maximum gross development value; measure not otherwise specified
Rates & fees
Not published
Term
Up to 24 months
Speed
Indicative terms within 48 hours after receiving project details; completion timing not published
Broker access
Direct enquiries via telephone and online form; intermediary distribution not published
How to apply
Intermediary submission via broker site
Visit lender website
Tower Leasing
Asset finance · Non-bank specialist
Broker friendly
UK SMEs, sole traders, startups and larger businesses; technology, machinery, vehicles, software and specialist equipment
Loan size
£1k – £2m
Max leverage
Not published
Rates & fees
Rates and fees vary by proposal; specific pricing not published
Term
Typically 2–5 years; Growth Guarantee Scheme asset finance offers three months to six years
Speed
Not published
Broker access
Works with brokers and equipment suppliers; direct lending channel not clearly stated
How to apply
Not published
Submission route not yet verified
Tradewind Finance
Invoice finance · Non-bank specialist
Broker friendly
Small and medium-sized exporters across 20+ industries, especially textiles, food and beverage, and electronics.
Loan size
Not published
Max leverage
Up to 95% of invoice value; typically 70%–90% advance.
Rates & fees
Factoring fee 0.3%–0.75% monthly; pre-financing interest and limit-checking fee apply.
Term
Receivables: 14–120 days, exceptionally 180 days; contracts usually two years with three months' notice.
Speed
Funding typically within 24–48 hours after invoice verification.
Broker access
Direct offering; broker or intermediary arrangements not published.
How to apply
Online enquiry and broker referral
Visit lender website
Triodos Bank UK
Commercial loans (SME & corporate) · Challenger/specialist bank
Businesses and organisations with positive social, environmental and cultural impact; specialist sustainable sectors and projects
Loan size
£100k – £20m
Max leverage
Typically up to 70% loan to security value
Rates & fees
Rates risk-based; commitment fees, legal costs and other tariff charges apply; early repayment fees may apply
Term
Not published; interest-only periods up to 12 months may be considered
Speed
Not published
Broker access
Direct relationship managers; online Business Loan Portal for eligible lending up to £1 million
How to apply
Not published
Visit lender website
Triodos Bank UK
Commercial mortgages · Challenger/specialist bank
Positive-impact organisations, affordable and community housing, housing associations, sustainable tourism, organic businesses and socially focused property projects.
Loan size
£1m – £20m
Max leverage
Not published
Rates & fees
Risk-based pricing; facility-specific offers. Commitment, solicitor, arrangement and early-repayment charges may apply.
Term
Long-term funding; interest-only periods up to 12 months may be considered.
Speed
Applications reviewed within 7–14 days; responses to loans over £1 million within 5 days.
Broker access
Direct lending; online Business Loan Portal available for eligible lending up to £1 million.
How to apply
Not published
Visit lender website
Tuscan Capital
Bridging finance · Non-bank specialist
Broker friendly
England and Wales; residential, commercial, mixed-use, HMOs, semi-commercial, portfolios, new-builds, refurbishment and conventional/non-conventional lending
Loan size
£150k – £10m
Max leverage
Up to 75% residential LTV; 65% commercial LTV; 65% refurbishment LTGDV; 100% works costs funded in arrears
Rates & fees
From 0.53% + BBR per calendar month; fees not published
Term
3–24 months
Speed
Credit-backed terms within four hours; completion speed not published
Broker access
Professional introducers and advisers; direct access to mandated decision-makers; broker-only/direct-only status not published
How to apply
Not published
Visit lender website
Tuscan Capital
Development finance · Non-bank specialist
Broker friendly
England and Wales; residential, commercial, mixed-use, HMOs, new-builds, portfolios, MUFBs, auctions, refurbishment and development-related finance
Loan size
£150k – £10m
Max leverage
Up to 75% residential LTV; 65% commercial LTV; 65% refurbishment LTGDV; 100% works costs funded in arrears
Rates & fees
From 0.53% plus BBR monthly; fees not published
Term
3–24 months
Speed
Credit-backed terms within four hours; completion speed not published
Broker access
Professional introducers, advisers and brokers; open-door policy; direct access to mandated decision-makers
How to apply
Not published
Visit lender website
Ultimate Finance
Asset finance · Non-bank specialist
Broker friendly
UK businesses financing durable, identifiable, movable and sellable hard assets; transport, agriculture, construction, manufacturing and related sectors.
Loan size
£10k – £3m
Max leverage
Not published
Rates & fees
Fixed bespoke rate; set-up and option-to-purchase fees apply. No percentage rates or fee amounts published.
Term
12–84 months
Speed
Not published
Broker access
Direct applications and introducer registrations invited; telephone enquiries accepted.
How to apply
Not published
Visit lender website
Ultimate Finance
Invoice finance · Non-bank specialist
Broker friendly
UK B2B businesses, including limited companies, sole traders and partnerships; broad sector coverage.
Loan size
£500k – £10m
Max leverage
Up to 95% of unpaid invoice value.
Rates & fees
Discount fee plus ongoing service fee; numerical rates and fees not published.
Term
Revolving facility; cashflow loans available for up to five years.
Speed
Not published
Broker access
Direct funding partner; broker distribution not published.
How to apply
Not published
Visit lender website
Uncapped
Commercial loans (SME & corporate) · Fintech
UK, US and Canadian limited-company e-commerce, online and digital brands; minimum trading history and revenue requirements vary by product.
Loan size
£10k – £10m
Max leverage
Not published; Amazon funding generally up to 1–1.5x monthly recurring revenue.
Rates & fees
Term loans: 0.7%–1.5% monthly fixed fee; line of credit from 10.99% APR; cash advance 5%–25% of sales.
Term
Term loans up to 24 months; panel products show 3–18 months; revolving credit and cash advances have no fixed term stated.
Speed
Funds available in as little as 24 hours; line-of-credit draws typically arrive within 1–2 business days.
Broker access
Direct applications through Uncapped; sales and bank-data integrations include Shopify, Stripe and Amazon.
How to apply
Not published
Visit lender website
United Trust Bank Asset Finance
Asset finance · Challenger/specialist bank
Broker friendly
Hire purchase, finance leasing and refinance for cars, machinery, HGVs, construction, agricultural, waste, recycling and specialist assets. No aged-asset policy.
Loan size
£10k – £1m
Max leverage
Not published
Rates & fees
Rates not published; competitive broker commission and flexible pricing available. Recent 1% asset finance rate reduction announced.
Term
Typically one to five years.
Speed
24-hour credit proposal turnaround; same-day payout and supplier payment stated.
Broker access
100% broker-driven; accepts introductions from approved Asset Finance brokers throughout mainland UK. Dedicated relationship managers and direct credit access.
How to apply
Not published
Visit lender website
United Trust Bank Limited
Bridging finance · Challenger/specialist bank
Broker friendly
Residential, HMOs, mixed-use, conversions, land with planning and some commercial property; individuals, corporates, trusts, LLPs, SPVs, SIPPs and offshore companies.
Loan size
£100k – £15m
Max leverage
Up to 75% LTV; second charges up to 70% LTV
Rates & fees
Rates not published; interest calculated daily. Valuation fee usually upfront; refundable application fee may apply.
Term
Up to 12 months regulated; up to 24 months unregulated
Speed
Fast Track available for qualifying applications
Broker access
Professional intermediaries; lending across England, Wales and mainland Scotland
How to apply
Broker-only; submission via UTB broker portal
Visit lender website
United Trust Bank Limited
Development finance · Challenger/specialist bank
Broker friendly
Residential and residential-led mixed-use development, conversions, refurbishment, build-to-rent and purpose-built student accommodation in England and Wales.
Loan size
£1m – £35m
Max leverage
Up to 60% LTV acquisition; 70% LTGDV development; 75% LTV exit; 65% LTGDV BTR/student.
Rates & fees
Rates not published; commitment fee payable after offer acceptance. Other fees not published.
Term
Not published on the current product page; earlier guide stated up to 24 months.
Speed
Not published
Broker access
Direct lending; intermediary referrals evidenced for CBILS facilities.
How to apply
Broker-only; submission via UTB broker portal
Visit lender website
Unity Trust Bank
Commercial loans (SME & corporate) · Challenger/specialist bank
Broker friendly
UK organisations delivering positive social or environmental outcomes; focuses on housing, healthcare, education, charities and sustainability.
Loan size
£250k – £40m
Max leverage
Not published
Rates & fees
Variable rate: Bank of England Base Rate plus agreed margin; typically 1.5% arrangement fee; other fees apply.
Term
Up to 10 years; fixed-rate loans available up to 120 months.
Speed
Not published
Broker access
Direct contact available; broker-only status not stated.
How to apply
Not published
Visit lender website
Unity Trust Bank plc
Commercial mortgages · Challenger/specialist bank
Businesses and organisations with social purpose, charities, healthcare, education, housing associations, councils and responsible finance providers; uses include purchases, refinancing and refurbishments.
Loan size
£250k – £40m
Max leverage
Typically up to 70% loan-to-value.
Rates & fees
Interest rates and fees not published.
Term
Typically up to 20 years; maximum stated term 120 months.
Speed
Not published
Broker access
Direct relationship managers across UK regions; also available through the CapExpand panel.
How to apply
Not published
Visit lender website
Vernon Building Society
Commercial mortgages · Building society
Broker friendly
Commercial-property remortgage for purchase is acceptable. Residential properties with up to 20% commercial use may qualify; mixed-use is excluded.
Loan size
Not published for commercial mortgages.
Max leverage
Not published for commercial mortgages; commercial use capped at 20% for eligible residential properties.
Rates & fees
Not published for commercial mortgages.
Term
Not published for commercial mortgages; general mortgage terms range from 5 to 40 years.
Speed
Not published
Broker access
Through Vernon mortgage advisers and intermediaries; advised-sale applications and intermediary criteria access.
How to apply
Not published
Visit lender website
Virgin Money Business (acq.)
Commercial loans (SME & corporate)
UK businesses, excluding Channel Islands, Isle of Man and Northern Ireland; minimum 12 months' active trading. Business purposes only.
Loan size
£30k – £10m
Max leverage
Not published
Rates & fees
Base Rate, fixed or SONIA pricing; competitive rates based on circumstances. Arrangement and other fees may apply; no early repayment fees for Base Rate Loans.
Term
Up to 20 years for Base Rate Loans; up to 5 years for Fixed Rate Loans.
Speed
Enquiries responded to within 7 days; completion timescale not published.
Broker access
Not published
How to apply
Not published
Visit lender website
Volvo Financial Services
Asset finance · Captive
Broker friendly
Volvo Trucks, commercial vehicles, equipment, new Volvos and Selekt approved used vehicles; personal and business customers.
Loan size
Not published
Max leverage
Not published
Rates & fees
Rates not published; vehicle offer includes 0% APR. Fees include an Option to Purchase Fee and possible account-management charges.
Term
not published; vehicle finance terms include 24–48 months.
Speed
Not published
Broker access
Direct through Volvo Financial Services and supporting retailers; broker-only status not published.
How to apply
Not published
Visit lender website
Wellesley & Co.
Bridging finance · P2P/platform
Broker friendly
UK property investors and developers; non-owner-occupied residential and some commercial property. Owner-occupied homes excluded.
Loan size
Not published
Max leverage
Up to 70% LTV
Rates & fees
Around 12% borrower rate, including 2% arrangement fee; development rates typically higher.
Term
One month, six months, one year or five years
Speed
Not published
Broker access
Direct online P2P platform; broker-only status and intermediary portal not published.
How to apply
Not published
Submission route not yet verified
Wellesley Finance
Development finance · Non-bank specialist
Broker friendly
Regional developers delivering ordinary, affordable and non-prime residential housing; Bristol, Canterbury, Newcastle and other regional markets.
Loan size
£5m – £10m
Max leverage
Not published
Rates & fees
Lending rate and fees not published; historical borrower rate around 12%, including 2% arrangement fee.
Term
Not published
Speed
Described as speedy, reliable and competitive; no completion timeframe published.
Broker access
Direct developer relationships and retail investor distribution; broker-only status not published.
How to apply
Not published
Submission route not yet verified
West One Development Finance Ltd
Development finance · Non-bank specialist
England and Wales; residential-led, ground-up, heavy refurbishment, conversions and PBSA. Commercial element below 35%; two prior projects required.
Loan size
£1m – £30m
Max leverage
Up to 65% LTGDV, 85% LTC and 70% initial LTV; 100% build costs.
Rates & fees
Heavy refurbishment: 5.00% + BBR; ground-up: from 5.00% + BBR. Fees not published.
Term
Up to 24 months; rolled-up interest.
Speed
Fast decisions and swift fund release; specific completion timeframe not published.
Broker access
Distribution model not published; dedicated Lending Director and direct contact details provided.
How to apply
Not published
Visit lender website
Weston Financial Ltd (Weston Asset Finance)
Asset finance
Limited companies, sole traders, limited partnerships and public limited companies; broad assets including boilers, harvesters, tractors and printing presses.
Loan size
Not published
Max leverage
Not published
Rates & fees
Rates and fees not published.
Term
12 months to 7 years.
Speed
Not published
Broker access
Direct contact invited; distribution channel otherwise not published.
How to apply
Not published
Submission route not yet verified
White Oak UK
Asset finance · Non-bank specialist
UK businesses trading at least three years, with £10m–£250m turnover; SMEs and larger companies across multiple sectors.
Loan size
£5k – £1.5m
Max leverage
Up to 95% of unpaid invoices; minimum 10% deposit for asset finance.
Rates & fees
Rates not published; annual service fee and other charges apply, varying by credit history and asset condition.
Term
12–60 months for asset finance; other facility terms not published.
Speed
Asset finance funding available in up to one working day.
Broker access
Distribution model not published; customers receive a dedicated relationship manager.
How to apply
Not published
Visit lender website
YouLend
Commercial loans (SME & corporate) · Fintech
Broker friendly
SMEs, retail, hospitality, e-commerce and restaurants with consistent card sales; excludes cash-only and mainly B2B invoice businesses
Loan size
£500 – £2m
Max leverage
Typically 100%–200% of average monthly card sales; UK-wide policy not published
Rates & fees
Factor rate 1.1–1.5 or fixed fee; no interest; no early repayment penalty stated
Term
No fixed term; typically 6–12 months, depending on sales
Speed
Decisions typically within 24 hours; funds may arrive within 24 hours
Broker access
Direct applications and embedded distribution through eBay, Shopify, Amazon, Just Eat, Dojo and brokers
How to apply
Online application via partner platform
Visit lender website
Zephyr Homeloans
Commercial mortgages · Non-bank specialist
Broker friendly
Individual landlords, limited companies and SPVs; standard properties, HMOs, MUFBs, new builds, flats above commercial and portfolios in England and Wales.
Loan size
£50k – £2.5m
Max leverage
Up to 80% LTV; 75% for new builds, flats above commercial and large HMOs/MUFBs.
Rates & fees
Fixed and lifetime tracker products; rates from 3.59%; product fees up to 7%; 0.70% procuration fee via clubs/networks.
Term
5–35 years
Speed
Not published
Broker access
Intermediary-only distribution through broker portal, applications contacts and BDMs.
How to apply
Intermediary-only; submission via broker portal
Visit lender website
Zorin Finance
Development finance · Debt fund
Broker friendly
UK SPVs; housebuilding, permitted development, refurbishment, mixed-use, student accommodation and other development schemes.
Loan size
£5m – £150m
Max leverage
Up to 90% LTC, 75% LTGDV and 70% LTV.
Rates & fees
From 5.00% over Bank of England base; 1% arrangement fee; exit fee from 1%; interest payable on exit.
Term
Up to 36 months for development finance.
Speed
Not published
Broker access
Broker/direct distribution not published.
How to apply
Not published
Submission route not yet verified

Criteria are compiled from lenders' public information and change often. "Not published" means the lender doesn't state it publicly. Always confirm terms with the lender's BDM before advising a client. Listing is not a recommendation.

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