Commercial Finance

Whether you need funding to grow, buy premises, manage cash flow, or acquire assets — we connect you with specialist commercial finance brokers who can find the right solution for your business. The introduction is free, and the brokers we work with have access to the full market.

FCA Regulated| FCA No. 1038034| Free Commercial Finance Introductions| Est. August 2019| Verify on FCA Register

Get connected to a commercial finance specialist — free

Whole marketaccess — brokers who search across lenders, not just a panel
Fastdecisions — many commercial lenders can move quickly when the deal is right
All sizesfrom sole traders to limited companies and larger businesses
Free introto a specialist commercial finance broker — at no cost to you

Commercial finance covers a wide range of business funding solutions — from business loans and commercial mortgages to asset finance, invoice finance, and bridging loans. The right solution depends on your business, your goals, and your circumstances. The brokers we introduce you to have access to the full lending market and will find the most suitable option for your situation.

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Protect Your Business — and the People Behind It

Business owners often overlook personal protection. If you have a commercial mortgage or business loan, life insurance or income protection ensures your repayments are covered if you die or cannot work. We arrange personal protection alongside your commercial finance — so nothing falls through the gaps.

Talk to us about protection

Types of commercial finance we can introduce you for

Business loans

Unsecured or secured lending for growth, working capital, or one-off investment. Terms and amounts vary by lender — a broker will find the most competitive option for your business.

Commercial mortgages

Buying or refinancing business premises — offices, retail units, warehouses, or mixed-use properties. Commercial mortgage rates and criteria differ significantly from residential.

Asset finance

Fund equipment, machinery, or vehicles without tying up working capital. Options include hire purchase, finance lease, and operating lease depending on your needs.

Invoice finance

Release cash tied up in unpaid invoices. Invoice factoring and invoice discounting can improve cash flow without taking on traditional debt.

Bridging finance

Short-term funding for property purchases, refurbishments, or time-sensitive opportunities where speed matters and a longer-term solution is being arranged.

Development finance

Funding for property developers — ground-up builds, conversions, or refurbishments. Specialist lenders assess the project and the developer’s track record.

Why use a commercial finance broker?

Whole-of-market accessBrokers search across the full lending market — including specialist and challenger lenders not available directly — to find the most suitable deal.
Saves timeInstead of approaching multiple lenders yourself, a broker does the legwork — packaging your application and presenting it to the right lenders.
Better chance of approvalAn experienced broker knows which lenders are most likely to say yes for your type of business and circumstances — reducing the risk of unnecessary declines.
Complex cases welcomeAdverse credit, unusual business structures, or non-standard properties — specialist brokers have access to lenders who can accommodate complexity.
Speed when it mattersFor time-sensitive deals — bridging finance, auction purchases, or urgent working capital — a broker with the right lender relationships can move fast.
No cost to youOur introduction is free. The broker’s fee structure will be made clear before any work begins.

How to get connected to a commercial finance broker

1

Get in touch

Tell us what you are looking to fund and a little about your business — the type of finance, the amount, and your timescale. No forms, no pressure.

2

We make the introduction

We introduce you to a specialist commercial finance broker we know and trust. The introduction is warm — they will know your situation before they call.

3

The broker gets to work

The broker contacts you directly, takes your full details, and searches the market to find the most suitable funding solution for your business.

4

You decide — in your own time

There is no pressure to proceed. The broker will present your options clearly and let you make the right decision for your business.

Get Your Free Commercial Finance Introduction

Commercial finance questions answered

What is commercial finance?
Commercial finance is an umbrella term for business funding solutions — including business loans, commercial mortgages, asset finance, invoice finance, bridging loans, and development finance. The right product depends on your business, your goals, and your circumstances. A specialist broker will assess your situation and recommend the most suitable option.
Can you help with commercial mortgages?
Yes — we can introduce you to a specialist commercial mortgage broker. Commercial mortgages are used to buy or refinance business premises and have different criteria, rates, and lender requirements to residential mortgages. A specialist broker will search the full market to find the most suitable deal for your business.
What if my business has adverse credit?
Adverse credit does not automatically rule out commercial finance. Specialist and challenger lenders assess applications differently to high street banks. A broker with the right lender relationships can identify which lenders are most likely to consider your application and present it in the strongest light.
How quickly can commercial finance be arranged?
It depends on the type of finance. Bridging loans can sometimes be arranged in days. Business loans and commercial mortgages typically take longer, depending on the lender and the complexity of the application. A broker will give you a realistic timeline based on your specific situation.
Is the introduction really free?
Yes — we make the introduction at no cost to you. The commercial finance broker may charge a fee for their work; they will make their charging structure clear before any work begins.

Protect your business and the people behind it

Life InsurancePersonal life insurance for business owners — protects your family if you die. Relevant Life InsuranceTax-efficient death-in-service cover for directors and employees — paid by the company. Income ProtectionReplaces your income if you cannot work — keeping your business and personal finances stable. MortgagesNeed a residential mortgage alongside your commercial finance? We can introduce you to an adviser.
Written by Ben Tomlin — Financial Adviser, That’s Family Finance (a trading style of RB Ame Ltd).
Qualifications: Level 4 Diploma in Financial Advice · Level 3 Certificate in Mortgages & Protection · Level 3 Certificate in Equity Release.
FCA Individual Reference Number: BXT01420 · Last reviewed: August 2026.
Important information: That’s Family Finance is a trading style of RB Ame Ltd, authorised and regulated by the Financial Conduct Authority (FCA No. 1038034). Our FCA permissions cover protection insurance only. We do not provide commercial finance advice or brokerage. Where we introduce clients to commercial finance brokers, those introductions are to separately authorised or regulated firms who provide advice and brokerage in their own right. Commercial lending is not regulated by the FCA in all circumstances. Your business assets may be at risk if you do not keep up repayments on secured lending.