Professionalism
Integrity, open communication and full transparency on every case. Partnerships built on trust, not transactions.
Commercial finance broker
The right lender for every deal.
Commercial mortgages, buy-to-let, bridging, asset finance and development — placed with the lender most likely to say yes, by a broker who handles your case end to end.
- £140m+
- placed to date
- 40+
- lenders on panel
- 48hrs
- typical DIP turnaround
Cubik AI
What we arrange
Five products. One partner.
Commercial
Purchase or refinance premises, up to 75% LTV.
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Buy to Let
Single lets to portfolios, personal or SPV.
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Bridging
Fast, short-term funding for time-critical deals.
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Asset Finance
Fund new kit, or release the capital in yours.
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Development
Ground-up builds and heavy refurbishment.
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- Plant & machinery
- Land
- Offices
- Retail
- Industrial
- Leisure
- HMOs
- Mixed-use
- Multi-unit blocks
- Portfolio landlords
Three principles, one standard.
Knowledge
Deep understanding of the commercial property market: which lenders favour which cases, and why.
Experience
Decades of combined experience and a network of trusted lenders, so every deal is placed where it fits best.
Who we help
Every borrower. The right lender.
Professional landlords
Expanding a portfolio, refinancing existing properties or funding value-add projects, with guidance at every step.
Owner-occupiers
Buying a first premises, expanding your space or building a custom facility, financed on the strength of your business.
Semi-commercial
A place of business and a source of rental income. Mixed-use property has its own lenders, so we treat it as its own product.
Commercial loans
with no upper limit
Bridging facilities
from £75,000
Asset finance
of current asset value
Development
of total project costs
Commercial terms
repayment or interest-only
How it works
Indicative terms in minutes. A broker within a working day.
Cubik AI gathers the essentials and gives you an honest indicative quote. Every case is then reviewed and confirmed by a qualified broker before anything proceeds.
No forms, no credit check — indicative terms in minutes.
- 1
Tell us about the deal
Property, loan size, term — chat or calculator.
- 2
Get indicative terms instantly
Rate, LTV and monthly cost from live criteria.
- 3
A broker takes it to the panel
One point of contact from DIP to drawdown.
What to expect next
Six steps from enquiry to drawdown.
01
Initial consultation
A conversation about the business, the property, and what you are trying to do with it.
02
Financial assessment
Trading accounts, credit file and existing borrowing, measured against what each lender will accept.
03
Property valuation
Value, location and tenure — and for investment cases, the lease and the income it produces.
04
Application
We assemble the lender pack and submit it, with the documents a lender will ask for already in it.
05
Underwriting
We field the lender’s questions, chase the valuer and the solicitors, and keep the file moving.
06
Completion and drawdown
Offer, legals, then funds released — with the same broker who took the first call.
Lender panel
The right lender, not the nearest one.
- HSBC
- NatWest
- Nationwide
- Shawbrook
- HTB
- Cambridge & Counties Bank
- Allica Bank
- + many more across the market
*We have access to the lenders shown, among others.
News & insights
What’s moving in commercial lending.
- Asset Finance
Hire purchase or finance lease: which suits the equipment you need?
Both spread the cost of an asset, but they differ on ownership, VAT and the end of the agreement.
Read story - Bridging
What a bridging loan really costs: reading beyond the monthly rate
Interest is only one line on a bridging bill. Here is how to add up the whole cost before you commit.
Read story - Buy to Let
Stress tests are easing — what it means for portfolio landlords
When lenders lower the rental cover they ask for, the same rent supports a bigger loan. Here is how to tell whether it changes your numbers.
Read story - Bridging
The exit is the application: how bridging lenders read your plan
Rate matters less than most borrowers think. How credible your exit is decides whether the loan happens at all — and on what terms.
Read story - Software
Inside Cubik AI: how lender criteria becomes an indicative quote
A look at what happens between your first message and the illustration card — and where a broker takes over.
Read story - Commercial
Why semi-commercial valuations keep surprising borrowers
Mixed-use property is valued on two bases at once, and the result is often lower than owners expect. Knowing why helps you plan for it.
Read story
Talk to a broker
Intelligent matching across our lender panel.
Every case is read, checked against live criteria and shortlisted against the panel before a broker picks up the phone.
No credit check. No obligation.
- 1
Reads your quote
Your brief in plain English, turned into a structured case.
- 2
Defines the criteria
Checked against live criteria — LTV, ICR, credit tier.
- 3
Sources the lender
Shortlists the lenders most likely to say yes.