Commercial funding built around you
Generic debt structures slow down ambitious businesses. We engineer commercial mortgages, portfolio finance, development facilities, and cash-flow debt aligned strictly with your trading cash flow and corporate objectives.
At Campden Brook we advise in certain areas, and for those that require specialist licences, we partner with others to help provide an all-encompassing advice arena. This covers additional areas like Business Protection, Private Medical Insurance, and Equity Release / Later Life lending advice.
Pragmatic debt solutions for trading businesses and investors
Commercial lending requires more than filling in bank forms. Lenders evaluate serviceability, asset quality, management track record, and sector risk differently. Our commercial debt desk presents your business case with clarity, negotiating optimal terms across high-street institutions, challenger banks, and private credit funds.
Owner-occupier commercial mortgages Buying SME trading premises
Growing businesses, professional practices, and trading limited companies acquiring or refinancing their own business premises.
The commercial rationale: Renting business premises exposes your trading company to landlord inflation and lease expiry risk. An owner-occupier commercial mortgage converts rental overhead into a balance-sheet asset, building long-term corporate wealth while securing your operational footprint.
Funding parameters: Up to 75–80% Loan to Value (LTV), with terms up to 25 years. We structure repayments around trading cash flow, utilising director guarantees and business EBITDA to maximise borrowing capacity.
Key feature: Serviceability assessed against historical EBITDA and projected trading performance.
Commercial buy-to-let & portfolios
HMOs, multi-unit blocks, commercial units
Experienced landlords, property companies, and family offices expanding or refinancing residential, multi-unit, or mixed-use portfolios.
The commercial rationale: As property portfolios grow, managing multiple individual mortgage dates and stress tests creates unnecessary administrative drag and higher interest rates. Portfolio facilities consolidate your holdings under unified credit lines.
Funding parameters: Tailored debt packages for Houses in Multiple Occupation (HMOs), Multi-Unit Freehold Blocks (MUFBs), retail units, and mixed-use commercial properties. Available under personal names, Limited Companies (SPVs), or LLPs.
Key feature: Global portfolio stress-testing and interest-cover ratios (ICR) optimised for corporate tax efficiency.
Property development finance
Ground-up construction & heavy conversions
Property developers, contractors, and conversion specialists undertaking residential or commercial construction projects.
The commercial rationale: Development capital must be structured precisely around construction milestones. Delays in tranche drawdowns or restrictive lender covenants can stall site progress and inflate interest costs.
Funding parameters: Ground-up residential development, commercial-to-residential conversions (PDR), and heavy refurbishment. Up to 65–70% of Gross Development Value (GDV) and up to 85% of total project costs.
Key feature: Staged tranche drawdowns synchronised with Quantity Surveyor (QS) site inspections.
Working capital & growth debt
Established trading companies requiring liquid capital for stock acquisition, recruitment, asset purchases,
or tax obligations.
The commercial rationale: Securing debt against fixed property assets isn't always practical when cash is needed quickly. Unsecured working capital facilities provide rapid liquidity based on trading revenue and credit history without encumbering property title.
Funding parameters: Unsecured business loans from £25,000 to £500,000+ with flexible terms from 3 to 60 months.
Key feature: Fast underwriting decisions based on bank statement analysis and accounting integration, with no property security required.
Start the conversation
Whether you are stepping onto the ladder for the first time, moving home, refinancing an existing property, or securing your family's future — our senior team is ready to listen.