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About Us

We are an award winning, service driven commercial finance broker, specialising in Development Finance, Bridging Loans and Commercial Mortgages.

Positive Commercial Finance provides a friendly, informed service with an emphasis on getting the right financial product for you. As “whole of market” commercial finance brokers we will find the Development Finance deal (including Senior Debt, Stretched Senior Debt, Mezzanine and Joint Venture), Bridging Loan or Commercial Mortgage for you. We offer a tailored, personal approach to give you the confidence that we are sourcing the most appropriate and cost-effective option available.

Our team of advisors have breadth and depth of business and finance experience, including an ACCA qualified advisor, and board members of property development and investment companies. We are Full Members of the National Association of Commercial Finance Brokers and the Financial and Intermediary and Broker Association (FIBA), as well as being regulated by the FCA.

We DO NOT charge any up-front fees whatsoever (unlike the vast majority of our competitors). As such, our fees are purely success based, so if we do not deliver, we do not get paid. Some brokers make a similar claim, but their fee might become due on presentation of an offer letter. Our fee is ONLY DUE ON COMPLETION. So, what have you got to lose?

Positive Commercial Finance was founded in 2007 and we have grown year on year since incorporation. We specialise in complex deals and love to structure a finance deal that works for both the client and the lender.

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

Meet the team

John Waddicker
James Waddicker
Gary Ellis
Simon Parkinson

John Waddicker - Director

“I have been involved in property refurbishment and development finance for over 20 years. During that time, I have seen a vast array of projects, circumstances, property types & requirements, as well as fluctuating market conditions and funder appetites.

Having carried out some of my own property developments, I truly understand what it means to be a borrower, often reliant of the funder to ensure the project is funded properly, and without delay.

I take great pleasure in delivering swift and reliable funding solutions for almost any profile of developer, and look forward to hearing from you so we can discuss your requirements and help you realise your next property dream”.

[email protected]

James Waddicker - Consultant

“I have been involved in property for well over 20 years, during which time I have undertaken numerous commercial and residential new-builds, and numerous renovation projects of my own.

I am ACCA qualified and a member of Mensa.

More recently, I have facilitated the funding of some high profile development projects including a 200+ unit apartment scheme and £25m single unit property.

Given my experience, I have a fantastic knowledge of developments and the property industry in general and am extremely capable of putting together bespoke funding solutions.

I look forward to hearing from you so we can discuss your requirements”.

[email protected]

Gary Ellis - Business Development Manager

“I’ve been involved with the short-term property lending industry for almost 20 years, initially working for various lenders, and now as a broker with Positive Commercial Finance.

I’ve available to speak to 24 hours a day, 7 days a week and want to provide the highest level of service.

Below are some comments from clients that have used me”:-

“We dealt with Gary Ellis and I have to say I was very impressed – a non-nonsense approach”

“Would highly recommend as somebody you can trust”

“Approachable, efficient and communicates well to keep you informed”

“From start to finish we had excellent support – the loan was turned around within a couple of weeks”

[email protected]

Simon Parkinson - Business Development Manager

“With over 26 years’ experience in banking at RBS, and 17 of those in commercial finance, I am ideally placed to help you source the right type of funding for your business.

Throughout my career, I have built up an exhaustive network of lenders and advisors and have helped hundreds of clients achieve their goals, whether it be funding for cash-flow, purchasing a trading premises or buying an Investment property.

I’d be delighted to hear from you so we can discuss your specific requirements”.

[email protected]

Why use a broker?

As an experienced broker, we can identify the most appropriate lenders after the initial fact-find. We then package the application in a way most suited to the appropriate lenders criteria and parameters. Our vast experience is an invaluable tool which you can call upon at any time.

Lenders react positively to an application via a broker as the lender recognises that the broker will offer the most suitable information in the most appropriate format, thus making the lenders life easier by smoothing the transaction. Lenders value brokers as much as the end user as it is the broker who supplies the steady flow of traffic.

Our extensive panel of lenders will give you more options and ultimately more choice. Our panel includes high street banks, merchant banks, private banks, pension funds, private funds, offshore capital and other providers of debt and equity. We can place deals with applications from those with CCJ’s and arrears, as well as those with a prime profile. Furthermore, we have access to preferential rates, deals and products which are passed on to you, the client.

We are specialist in Development Finance, Bridging Finance and Commercial Mortgages. This includes Senior Debt, Stretched Senior Debt, Mezzanine Finance, Equity, Joint Ventures, Bridging Finance, Developer Exit Loans, Commercial Investment Mortgages and Business Mortgages.

Product Types

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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 1 Harvey Street, Bury BL8 1NL. Authorised and regulated by the Financial Conduct Authority (716012). Full members of the NACFB and FIBA. ICO registration reference Z1196910.

We are a credit broker, not a lender. We work with a panel of lenders who may pay us a commission. This amount varies between lenders.

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