Property Finance for UK
Businesses & Developers

We arrange three main categories: bridging finance (short-term loans from 1–24 months, up to 90% LTV), development finance (ground-up builds and conversions, up to 87.5% LTC and 72.5% LTGDV) and commercial mortgages (long-term lending for owner-occupiers and investors, up to 80% LTV). All lending is unregulated – we do not arrange regulated residential mortgages for owner-occupiers of their primary residence.

Our minimum loan size for bridging finance is £200,000. For development finance, we typically work from £1 million upwards. Commercial mortgages start from £500,000. These thresholds reflect the lenders we work with – for smaller requirements, we'd recommend speaking to a high street bank or challenger lender directly.

Yes, we do. A number of lenders on our panel are willing to consider first-time developers – particularly on smaller schemes or conversions where the risk profile is more manageable. First-time developers will typically be offered lower LTCs and GDV percentages than experienced developers, and lenders will often require a more detailed project monitoring arrangement. We'll be transparent about what's achievable from the outset.

For bridging finance and commercial mortgages, we can typically provide indicative terms the same day as your initial enquiry. Development finance takes slightly longer – usually 24–48 hours – as the assessment is more detailed. Full credit approval and drawdown varies by product: bridging can complete in 5–10 working days, while development facilities typically take 4–8 weeks to fully establish.

Yes. We regularly arrange property finance for SPVs (Special Purpose Vehicles), LLPs, holding companies and offshore entities. Most specialist lenders are comfortable with these structures, though some require additional due diligence and may apply slightly different pricing. Portfolio landlords with 4+ mortgaged properties are also welcome – we work with lenders who understand complex portfolio structures.

Bridging finance is a single lump-sum loan drawn at the start, designed for relatively straightforward scenarios – acquisitions, light refurbishments, auction purchases or chain breaks. The exit is usually a refinance onto a longer-term product or a sale. Development finance is a structured facility drawn in tranches as construction progresses and is designed for ground-up builds, significant conversions or heavy refurbishments where the works are substantial. The assessment is based on the GDV (Gross Development Value) of the completed project rather than the current value of the property.

Most property finance for investors, developers and businesses is unregulated – meaning it falls outside the FCA's consumer mortgage framework. This applies to bridging loans on investment property, development finance, buy-to-let mortgages and commercial mortgages. Regulated mortgages only apply where the borrower (or an immediate family member) intends to live in the property. Growth Business Finance is FCA authorised and regulated, but we only arrange unregulated property finance products.

Mezzanine finance sits between senior debt and equity in the capital stack. It's used when a senior development loan doesn't cover enough of the total project cost – typically when a developer wants to reduce their own equity contribution. For example, if a senior lender will fund to 65% LTGDV, a mezzanine lender might stretch the overall facility to 80–85% LTGDV, at a higher rate to reflect the additional risk. We can structure both senior and mezzanine as part of the same transaction.