Commercial Loans and Business Loans can come in many different formats, for example, they can be secured, unsecured, or partially secured. When it comes to arranging a commercial loan, the important criteria is finding a loan where the term, interest rate, and monthly payment are in line with the borrower’s key requirements. An BCF Director will ensure that by understanding these requirements, we can secure the right commercial loan for your business.

Asset Finance and Working Capital

Some businesses require finance for specific assets, such as machinery or a fleet of cars. Others simply need additional funds to help them with cash-flow issues or to expand and grow their business. BC Finance work closely with specialist lenders who are able to provide asset finance and working capital finance to our clients.

Property Investment Finance

From commercial properties, to buy-to-let investments and mixed-used sites, if you are looking to secure finance for an investment property, then speak to the specialists. As we have access to key decision makers, we can ensure that we secure the right finance for any investment property, even finance for HMOs or more complex scenarios.

Property Development Finance

Our experience in arranging property development finance for our clients is unrivalled. By ensuring that we have a full understanding of the key elements of any property development, such as the timescale, development size, planning permission requirements and more, we can ensure that we can sell the proposition to the marketplace in order to arrange the development finance which is in line with our client’s needs, from simple refurbishments to large-scale constructions.

Commercial Mortgages

Raising a mortgage off a commercial property is different from a residential one. Lenders will assess each deal on a case by case basis, so in order to ensure that your deal is given the highest level of consideration by each lender, BCF ensure that we capture your key requirements and get a good understanding about the different aspects of the commercial property, from the tenants, to the type of lease in place.

Bridging and Short-Term Finance

As well as longer-term finance, we understand the clients often only require finance for a shorter period of time – anything from a couple of months, to two years. As the lenders and their key considerations differ for bridging and short-term finance, BCF can ensure that we can secure the right finance for each client’s individual needs. In addition, we have exclusive access to lenders and terms which can ensure that we secure the right short-term finance for you.

Peer-to-Peer Lending

Peer-to-Peer lending is a growing area of finance for small businesses, where instead of borrowing from one lender, a loan is provided by many different individuals. This can provide a business with sources of finance which were not previously available through traditional lending avenues, and can also result in finance being drawn-down in a quicker timescale. BCF works with a number of P2P providers to ensure that we can secure the right finance in line with your business requirements.

Venture Capital

Any business needs a source of finance to get off the ground or grow. So if you have a business which is looking for venture capital or other sources of finance to take it to the next level, then speak to your local BCF Director. By taking the time to understand your business and growth needs, we can help identify and evaluate the right options of finance available to you.


Crowdfunding and alternative finance is often referred to as the Holy Grail for small business finance, whereby a business raises funds from many smaller individuals. However, it can be right for some businesses, but not for all. Your BCF director takes the time to talk through the different commercial finance options with you, to ensure that we can source the right finance for your business, from crowdfunding and alternative sources of finance, to traditional high street banks.

Enterprise Finance Guarantee Scheme

The Enterprise Finance Guarantee Scheme exists to help encourage lending to small businesses which may otherwise lack the required security or the appropriate track record. This can provide a useful tool for business owners looking to raise business finance. BCF can assist clients navigating through the various hoops which businesses may face in order to secure finance for their business through the EFG and other schemes.

Partnership Buyout Finance

With over 45 years’ experience in arranging commercial finance,