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Independent Commercial Finance Broker
Trusted Business & Property Finance Solutions Across the UK
With access to over 200 lenders across the UK commercial finance market, Charlton Commercial Finance specialises in finding the right funding solution for your business, not just the easiest one. Whether you need a commercial mortgage, bridging finance, a business loan, or development funding, our experienced team is here to secure the best possible terms on your behalf.
Your business goals are at the heart of everything we do.
OUR INTRODUCTIONS
We find the finance.
You focus on the opportunity.
Your business goals are at the heart of everything we do.
Charlton Commercial Finance is an independent broker with one job: getting you the right commercial finance deal.
No tie-ins. No pressure. No complicated jargon. Just access to every major UK lender, the expertise to know which ones will actually say yes to your deal, and the dedication to make it happen.
Whether you’re:
- An SME needing working capital
- A sole trader after an unsecured loan
- A property investor requiring bridging finance
- A developer seeking project funding
We’ve done it before. We’ll do it for you.
Here’s the truth about commercial finance:
It’s complicated. Lenders have different criteria. Different appetites. Different rates. Trying to navigate it yourself means wasted time, missed opportunities, and probably worse terms than you deserve.
That’s why businesses come to us. We know which lenders back which deals. We know how to structure applications so they get approved. And we negotiate terms you won’t find going direct.
Independent means we work for you, not them.
Your business. Your goals. Your best deal.
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%
Client
Satisfied
%
Finance
Consulting
John McDonagh - CO Founder
Over
0
Years in the Financial Service Industry.
OUR WORK PROCESS
How We Works
Arranging commercial finance should not be complicated or stressful. At Charlton Commercial Finance, we have developed a clear, straightforward process that keeps you informed at every stage, from your first enquiry to the day your funding completes.
Initial Consultation
Contact our commercial finance team by phone, email, or our online enquiry form. We respond to every enquiry promptly and will arrange a, no-obligation consultation at a time that suits you, in person, by video call, or by telephone.
Understand Your Requirements
We take the time to understand your business, your property, your financial objectives, and your circumstances in full. There are no assumptions and no shortcuts, the right commercial finance solution starts with the right understanding of your needs.
Lenders Search
Drawing on our access to over 200 UK lenders, we conduct a comprehensive search of the commercial finance market to identify the most suitable and competitive lending options available to you.
No-Obligation Proposal
We present you with a clear, transparent lending proposal, setting out your options, the rates available, and our recommendation, with no obligation to proceed. You remain in complete control.
Application & Management
Once you decide to proceed, we manage the entire application process on your behalf, from submission and underwriting through to valuations, legal work, and completion. We liaise directly with lenders and solicitors so you do not have to.
Completion & Ongoing Support
We do not disappear once your commercial finance is in place. Our team remains available to support your business as it grows, whether that means refinancing, securing additional funding, or exploring new commercial finance opportunities in the future.
Why Choose Charlton
Finance for Your Business Needs
Comprehensive Business & Property Finance Solutions for UK Businesses
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Property Finance: Commercial mortgages | Bridging loans | Development funding | Complex residential investment
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Business Finance: Business loans | Acquisition finance | Invoice finance | Asset finance
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Commercial Mortgages : Business premises or investment property. Purchase, refinance, equity release. Competitive UK-wide rates.
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Bridging Finance: Fast property funding. Auctions, refurbs, opportunities that can't wait. 48-72 hour decisions.
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Development Finance : Ground-up builds, conversions, refurbishment projects. Residential and commercial developments.
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Business Loans : £25k - £5m for SMEs. Working capital, expansion, equipment. Secured or unsecured options.
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Acquisition Finance: Business purchases, management buyouts, ownership transitions. We arrange the funding.
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Asset Finance: Vehicles, machinery, equipment. Spread payments through hire purchase or leasing.
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Complex Residential: Portfolio BTL, HMOs, multi-unit investments. Specialist lenders for complex structures.
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Commercial Insurance: Business premises, liability, equipment. Comprehensive protection at competitive rates.
Whatever your business needs. We arrange it.
OUR TESTIMONIALS
What They Say?
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Christine Rose
Customer
I was impresed by the company services, not lorem ipsum is simply free text of used. Neque porro est qui dolorem ipsum quia.
Mike Hardron
Customer
I was impresed by the company services, not lorem ipsum is simply free text of used. Neque porro est qui dolorem ipsum quia.
Christine Rose
Customer I was impresed by the company services, not lorem ipsum is simply free text of used. Neque porro est qui dolorem ipsum quia.
Mike Hardron
Customer 
