Positive Commercial Finance specialises in finding the best financing solution for you and your business. We have experience with and access to a wide range of business finance products which are not always available from your high street bank or current lender. As an independent broker, our nationwide service offers a flexible approach to secure the best deal for you and your business.

Positive Commercial Finance understands the need for a speedy response and a quick decision, and would be happy to advise you on the most suitable path to choose for your particular funding need.

Whether your business is looking for funds for growth, development, acquisition, restructuring, refinance, cash flow or whatever, we’re sure we can help you. Even if your company is struggling to stay afloat and you need financial assistance, or you are planning a start-up from the failure of a previous or existing business (Phoenix’s/ Pre Packs), we can call upon the resources available to us to assist you in making the right decision.

We can even offer 100% development finance (with interest roll-up), payroll finance and competitive commercial mortgages/ re-mortgages (including self-cert and sub-prime).

Our connections with specialist financiers in major sectors globally mean we can also arrange funding for medium to large sized projects worldwide at very competitive rates. Whether it’s a development project, expansion, joint venture or bridging situation, we can help.

Positive Commercial Finance specialises in the following areas of Business & Development Finance:

Property Finance

Positive Commercial Finance is a specialist broker for development finance. We can facilitate:

Construction Finance
100% Development Finance
Residential Development Finance
Residential Refurbishment Finance
Residential Conversion Finance
Mixed Residential/Commercial Schemes – up to 100% funding
Commercial Schemes – up to 100% development finance available

Development Finance can also be arranged throughout the world on a 100% development finance basis. Our world wide development finance is available for:

Residential Developments (100% funding available)
Commercial Constructions Funding
Hotel Development Funding
Hotel Construction Funding
Holiday Resort Finance – Apartments and Commercial up to 100%

Positive Commercial Finance also has various lenders that can finance large loan schemes. A Large Loan Scheme is $50m plus and may include conventional and non conventional funding by the use of structured finance, debt, equity and private placement. Please contact us for more details.

Commercial property finance can be arranged for factories and offices, warehouses and storage, investment property, B&Bs and guesthouses, pubs and restaurants, takeaways, garden centres, residential homes, nurseries, farms and so on. Positive Commercial Finance works with a host of flexible commercial mortgage lenders, giving you the most suitable commercial mortgage product available on the market. You can also re-mortgage for a cash injection or just to take account of an improved interest rate, or whatever suits your purpose.
A commercial property investment mortgage is available to companies looking to purchase a business premises as an asset, which brings the benefits of rental income and appreciation.
Commercial owner occupier mortgages are available to companies looking to use the property as their business premises.
Commercial mortgage facilities offer competitive interest rates on loans from £50k up to £250m with up to 30 year terms, on up to 100% of the value of the property in some circumstances.

Positive Commercial Finance can help provide short term bridging finance for a wide range of transactions.
Bridging Finance is a way of raising short term finance in a very short time period and is usually secured against a residential or commercial property. As a bridging loan is secured in this way, personal credit history is not always as relevant as with applications for other types of finance. It is typically used to bridge the gap between a purchase and either a traditional re-finance or sale. Commercial bridging finance can also ease any short term cashflow problems.
We understand that two residential or commercial bridging deals are never the same so a flexible approach is adopted.
We can give you a same day decision with up to 100% LTV available. Quick loans for all property types are considered.

Mezzanine Property Finance is a second mortgage on a property, where specialist lenders lend (subject to status) further funds above the maximum a commercial property lender is prepared to commit. Mezzanine Finance is available to private individuals, trusts, limited companies and PLC’s for property both in the UK and overseas.
Positive Commercial Finance can arrange both Development Mezzanine Finance and Investment Mezzanine Finance. We have the expertise and contacts to structure a funding deal for you. We discuss and negotiate with lenders personally on your behalf, and work hard behind the scenes to give you a tailored fit for finance in accordance to your needs.
Each proposal is seen case by case on its own merits. Please contact Positive Commercial Finance with your a Mezzanine Property Investment Finance or a Mezzanine Development Finance enquiry on the number below.

Business Finance

Factoring and Invoice Discounting are excellent alternatives to an overdraft and give you an immediate cash injection against the value of outstanding invoices, then an advance of generally up to 90% (up to 100% in some cases!) of the value of an invoice as it is raised is provided by the factoring or invoice discounting company. The balance, less fees payable to the factoring or invoice discounting company, becomes available when the customer pays the invoice. Unpaid invoices become assets – the factoring or invoice discounting companies recognise this – and turn those assets into cash. With Factoring and Invoice Discounting more funds are available to you immediately as your business grows.

Does your business accept credit/ debit cards? Are you in need of some short term working capital from £3.5k to over £100k? Is your current lender too restrictive and slow to react? If the answer to these questions is “yes”, a credit and debit card factoring facility could be of use.
A credit/debit card factoring facility offers a no fixed term, no application fees, no interest rates, unsecured facility serviced by a small fixed percentage of daily Visa and MasterCard batches. The payment is based on future sales, not current financial statements. A fast underwriting service aims to have the cash in the merchants (your) hand within 10 days. This product fills a void that banks can’t or won’t fill. Credit and debit card factoring provides an additional facility to be used as per your requirements, whether it be furniture and outdoor seating, fixtures, stock, improvements, emergencies or whatever.

Payroll finance is an innovative and flexible approach which offers funding for your company’s gross payroll, PAYE and NI without the usual restrictions of traditional finance. Unsecured payroll finance is ideal for company’s who are close to their limits on existing facilities and need a quick, flexible cash injection to use in conjunction with other existing borrowing facilities. This will allow funds to be retained as cash flow to help working capital and/ or used in any other areas you choose. As a rough guide, 2 months worth of payroll, PAYE and NI can be borrowed to give you a 60 day rolling credit facility, with a provision to allow for growth in payroll.

Contact us now!

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