Strategic Commercial Finance Advisory
Funding ambitious plans takes more than finding a lender.
Whether you're acquiring a business, investing in commercial property, funding development or unlocking capital for growth, the right funding strategy can make all the difference. CC Finance helps established businesses, property developers and investors, and their advisers, structure commercial debt with clarity, confidence and access to the right lenders — so opportunities become achievable.
£100k–£10m
Business Finance
£100k–£10m
Property Finance
Established SMEs, Property developers & investors
Our Clients
Our Services
Two Core Specialisms, One Strategic Approach
Business Finance
Growth finance, working capital, acquisitions and structured lending for established SMEs.
Property Finance
Investment, development, bridging and commercial property finance for serious property professionals.
Our Philosophy
Structure Matters as Much as the Product
Many borrowers focus on finding the cheapest rate or the fastest turnaround. For complex SME and property finance, the structure of the application — the lender selected, the way risk is presented, the supporting documentation prepared — can determine whether funding is achievable at all.
CC Finance approaches every requirement as a structuring exercise. We assess the full commercial picture, identify potential obstacles, and position the transaction so it aligns with the right lender's credit appetite. This strategic approach is what turns difficult cases into completed deals.
- Lender selection and appetite matching
- Application presentation and documentation
- Risk positioning and mitigation
- Term negotiation and covenant structuring
- Professional coordination and timeline management
Advisory Framework
How a Complex Deal Becomes Fundable
Most complex finance scenarios are not declined because they are impossible. They are declined because the risk, structure or lender route has not been presented clearly.
Borrower Profile
Assess the borrower's position, trading history, financial strength and credibility.
Security Position
Evaluate the security package — asset type, valuation basis, enforceability and lender comfort.
Lender Appetite
Identify which lenders have genuine appetite for this specific scenario, sector and deal size.
Deal Structure
Design the facility structure — term, covenants, repayment profile and conditions that work for both sides.
Funding Route
Present a structured, credible lending proposition to lenders who can and will fund the transaction.
Borrower Profile
Assess the borrower's position, trading history, financial strength and credibility.
Security Position
Evaluate the security package — asset type, valuation basis, enforceability and lender comfort.
Lender Appetite
Identify which lenders have genuine appetite for this specific scenario, sector and deal size.
Deal Structure
Design the facility structure — term, covenants, repayment profile and conditions that work for both sides.
Funding Route
Present a structured, credible lending proposition to lenders who can and will fund the transaction.
Process
A Strategic Process, Not a Product Search
Every finance requirement is different. Our process is designed to position your transaction for the best achievable outcome.
Strategic Assessment
We assess your finance requirement, business position, and transaction structure to identify the most appropriate funding approach.
Lender Positioning
We identify and approach lenders whose appetite, criteria and pricing align with your specific scenario and profile.
Transaction Structuring
We structure the transaction to optimise terms, manage lender requirements and anticipate potential obstacles.
Completion Management
We manage the process through to completion, coordinating with solicitors, valuers and other professionals.
Structure is not a product. It is the difference between a deal that funds and one that does not.
Every scenario is assessed on its own merit, dependent on circumstances.
Advisory Value
Why Lenders Say No
And how the right structure can change the conversation.
Common Decline Reasons
How CC Finance Reframes the Deal
Why CC Finance
Why Serious Borrowers Choose CC Finance
01
Strategic Funding Advice
We structure deals around commercial objectives, not just lending products.
02
Complex Transaction Experience
Multi-entity structures, turnaround situations, cross-border income — we handle complexity as standard.
03
Lender Positioning Expertise
We know which lenders have appetite for specific scenarios and how to present cases to their credit teams.
04
Real Deal Structuring
Every transaction is prepared as if we were presenting to the credit committee ourselves.
05
Trusted Professional Network
Solicitors, valuers, accountants and surveyors who understand commercial finance timelines.
06
Selective, Specialist Approach
We work with established SMEs and serious property investors on meaningful transactions.
Client Feedback
What Our Clients Say
Rated 5.0 out of 5 from 14 reviews on Google — trusted by established SMEs, property investors and their advisers.
“Barbara was amazing — she was able to get the process working for us when we were under pressure and she really added value to us. She is diligent, thorough and really professional, and above all a pleasure to deal with.”
Michael C.
Verified Google review
“If you're a property investor seeking a dedicated broker available round the clock and exceptionally responsive, Barbara is the ideal choice. Having worked with numerous brokers, I can confidently say that Barbara stands out for her quick responses.”
Thomas B.
Verified Google review
“Barbara is an extremely transparent, patient, efficient and hard working professional. She helped me acquire bridging finance on a buy-to-let property for a client of mine. She was very responsive and adhered to all our queries.”
TRM Property Solutions
Verified Google review
“It has been nothing short of an absolute pleasure working with Barbara. She is very responsive, knowledgeable and always endeavours to provide an above and beyond level of service. Couldn't recommend her enough.”
Isaac A.
Verified Google review
“Barbara has been nothing but exceptional. She showed incredible dedication and support to ensure a successful transaction. We wouldn't be where we are now if it wasn't for her.”
Ade
Verified Google review
“Barbara is extremely efficient and friendly. She works hard to find the different options available and then to narrow down the best ones for us. I highly recommend her services.”
Kate D.
Verified Google review
Verified reviews from Google. Read all reviews on Google.
Deal Stories
Real Deals, Real Progress
Every deal story shows how a client faced a funding challenge — and how a clear strategy, thoughtful structuring and the right lender turned that opportunity into a successful outcome.
£1m+ Acquisition — Trading Engineering Business
Manufacturing SME
Challenge
This was not a single loan. Acquiring the business required funding across several lines at once — for the property, the plant and machinery, and day-one working capital — arranged quickly enough to secure the deal without cutting corners on valuations or the sales-ledger review.
Structure
We organised the valuations and a sales-ledger audit within three weeks and structured a facility of over £1m: a 30-year commercial mortgage against the premises, 5-year asset finance secured on the machinery, and 80% non-recourse factoring against roughly £150,000 of debtor invoices to fund working capital from day one.
Outcome
The purchase concluded within two months of initial contact. The buyer gained a complementary business and an integrated funding structure spanning property, plant and working capital — each element sized to the part of the deal it supported.
£1.4m Development Finance — 13 Apartments
Property Developer
Challenge
With the original equity withdrawn, the scheme needed a lender prepared to take a considered view of the project, the developer's track record and the end value — and to fund both the site acquisition and the build in a way that worked for the programme.
Structure
We positioned the project with two merchant banks and obtained a GDV valuation from Knight Frank. The structure offered a 50% advance against site acquisition and 100% of build costs drawn in agreed stages, aligned to the build programme.
Outcome
Two heads of terms were issued. The client selected the offer reflecting the best overall value and flexibility — 2% set-up and 2% exit fees at 7% over three-month LIBOR — securing the £1.4m needed to deliver the scheme.
£950k Portfolio Refinance — 48-Property BTL Portfolio
Residential Property Investors
Challenge
Eleven facilities across multiple lenders meant administrative complexity, inconsistent terms and no straightforward way to draw on equity for new purchases. They needed a single, coherent structure — and a facility they could draw against as opportunities arose.
Structure
We carried out a full mortgage redemption audit and valuation review, then negotiated a complete refinance with three major institutions — including a £950,000 rolling 'cheque-book' facility for future purchases — at a rate of 3.5% over bank base rate.
Outcome
The portfolio was consolidated and repositioned onto consistent terms, the rolling facility gave the clients the flexibility to move quickly on new opportunities, and the improved terms generated around £67,000 in annual savings.
Structured Approach
Build the Right Funding Route Before You Approach the Market
Your Scenario
Borrower Profile
Security / Asset
Lender Appetite
Structure
Funding Route
Your Scenario
Borrower Profile
Security / Asset
Lender Appetite
Structure
Funding Route
Our Position
Not Every Deal Fits a Standard Lending Box
Most commercial finance applications follow a standard path — high street bank, standard criteria, predictable outcome. But for established SMEs with complex structures, property investors with multi-asset portfolios, or time-sensitive transactions requiring specialist lenders, the standard path often leads nowhere.
CC Finance exists for these situations. We work with borrowers whose requirements demand strategic thinking, genuine lender knowledge, and the ability to structure transactions that standard brokers cannot.
Subscribe to Lending Lens
Monthly insights on business finance, property finance, lender appetite and deal structure.
Lender Relationships
Some of Our Key Lenders
We maintain direct relationships with a wide panel of mainstream and specialist lenders, positioning your case with the most appropriate funder for your specific scenario.
Lender selection is based on suitability for each individual scenario. Access to specific lenders is subject to criteria and availability.
Member of recognised industry bodies including NACFB and FIBA
Member of NACFB and FIBA. Committed to the highest professional standards in commercial finance advisory.
Complex, Strategic or Time-Sensitive?
If your finance requirement needs more than a product search, speak to CC Finance.