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UK bridging, development and commercial mortgage brokers

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If you want a fast, flexible and reliable service, try Positive Commercial Finance.

Positive Commercial Finance is an independent UK commercial finance broker specialising in bridging loans, property development finance, joint venture funding and commercial mortgages.

We arrange short-term and structured property finance from £30,000 to £100 million, secured against residential, mixed-use and commercial property throughout England, Scotland and Wales. Facilities can include first, second and third charge loans, developer exit finance, stretched senior debt, mezzanine and joint ventures.

We are a trading name of Business Financial Solutions Limited, authorised and regulated by the Financial Conduct Authority (FRN 716012), and full members of the NACFB and FIBA. Founded in 2007, we have arranged over £1 billion of funding to date. We do not charge upfront broker fees; our fee is only due on completion.

  • Independent broker, FCA FRN 716012
  • No broker fee until completion
  • Over £1 billion arranged since 2007
  • Loans from £30,000 to £100 million
  • 200+ lenders, including banks, private funds and family offices
  • Bridging, development, JV and commercial mortgages
  • 5/5 from 235 reviews on Feefo

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Find the best deal on the market today.

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Product Types

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BRIDGING LOANS

Short-term loans, typically 1 to 24 months, secured on property. Used for auction purchases, buy-before-you-sell, refurbishment, re-bridging and raising capital quickly. Indicative rates from around 0.45% per month, subject to LTV, property type and exit.

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DEVELOPMENT FINANCE

Funding to acquire and build or convert property, including senior debt, stretched senior debt, mezzanine and joint ventures. Used for residential schemes, mixed-use, care homes and commercial developments.

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JOINT VENTURES

Structured funding where a capital partner provides most or all of the project cost in return for a share of profit, often used when a developer has a site but limited cash.

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COMMERCIAL MORTGAGES

Longer-term loans on investment or owner-occupied commercial and semi-commercial property, including refinancing existing facilities.

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SME AND BUSINESS

Cash-flow loans and mortgages for business use only, some of which can be unsecured.

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COMPARE FINANCE

Use this tool as a starting point to help you compare & contrast different types of funding.

Our Case Studies

Case Study: How We Unlocked £262,000 from a Family Buy to Let Portfolio to Fund a New Ltd Company Development Project
Case Study: How We Unlocked £262,000 from a Family Buy to Let Portfolio to Fund a New Ltd Company Development Project FIND OUT MORE
Case Study: £1.25m Refinance Secured on a Block of 12 Flats Using NEW 3 Year Tracker Product
Case Study: £1.25m Refinance Secured on a Block of 12 Flats Using NEW 3 Year Tracker Product FIND OUT MORE
Case Study: Securing Development Funding for a 15-Bed Purpose-Built Care Home in Lancaster
Case Study: Securing Development Funding for a 15-Bed Purpose-Built Care Home in Lancaster FIND OUT MORE

Recent examples include a family portfolio release of £262,000 to fund a new development SPV, a £1.25 million refinance of a 12-flat block, and development funding for a 15-bed care home in Lancaster. Full structures, rates and timelines are in our case studies.

ALL CASE STUDIES

Who is it for?

We work with property investors, landlords, developers, trading companies and professional clients who need finance against UK property. Typical cases include auction completions, stalled developments, developer exits, portfolio refinances, care-home and HMO schemes, and borrowers who cannot use a high-street mortgage because of timing, works, credit or property type.

How it works

Tell us about the property, the amount, the purpose and the exit.
We assess which product fits: bridge, development, JV or mortgage.
We approach suitable lenders from a panel of 200+.
You receive terms, then valuation and legal work.
Funds are drawn when solicitors are ready. Bridging can complete in days; development funding follows a monitored drawdown.

FAQs

Do you charge broker fees upfront?

No. We do not charge upfront broker fees. Our fee is payable on completion.

What is Positive Commercial Finance?

An independent UK broker arranging bridging loans, development finance, joint ventures and commercial mortgages. We are not a lender.

What loan sizes can you arrange?

Typically £30,000 to £100 million, depending on the property, the borrower and the lender.

Are you regulated?

Yes. Positive Commercial Finance is a trading name of Business Financial Solutions Limited, authorised and regulated by the FCA (716012).

What is the difference between a bridging loan and development finance?

A bridging loan is short-term finance, usually up to 24 months, often used to buy, refinance or refurbish quickly. Development finance funds the build or conversion itself and is usually drawn in stages against a cost plan.

Can you help if I already have a bridging loan?

Yes. We arrange re-bridging and developer-exit facilities where an existing loan is near term, over term, or needs more time to sell or refinance.

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By submitting this form you confirm that you are happy to submit your data, which will be used solely for the purposes of your enquiry. You can view our Privacy Policy here.

Positive Commercial Finance is a trading name of Business Financial Solutions Limited. Registered in England & Wales 06451075. Registered office address Fourth Floor, Unit 5B, The Parklands, Lostock, Bolton, BL6 4SD. Authorised and regulated by the Financial Conduct Authority (716012). Full members of the NACFB and FIBA. ICO registration reference Z1196910.

Business Financial Solutions Limited is an authorised credit broker and not a lender. We work with a panel of lenders who will typically pay us a commission. This amount varies between lenders.

Positive Commercial Finance — independent FCA-regulated brokers for UK bridging loans, development finance and commercial mortgages. No upfront broker fee. FRN 716012.

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