Business Details
18 Years
experience
Expert Commercial Finance Solutions UK
As a leading independent commercial finance brokerage, we specialise in sourcing tailored funding solutions for businesses across the UK. With over 15 years' experience since 2008, our team of seasoned professionals leverages extensive relationships with traditional and specialist lenders to secure optimal financing terms. We maintain FCA authorisation and NACFB membership, ensuring regulatory compliance and industry best practices.Our whole-of-market approach enables access to diverse products including commercial mortgages, bridging loans, and development finance. Through personalised service and market expertise, we simplify complex financing processes while maintaining transparency throughout the transaction lifecycle.
Services
Commercial Mortgages
Bridging Finance
Development Finance
Rescue Finance
Asset Finance
Details
- Year established: 2008
Highlights and features
- Decades of combined experience in commercial finance
- Whole-of-market access to 200+ lenders including specialists
- FCA regulated with robust compliance frameworks
- Personalised service with dedicated account management
- Proven track record securing complex financing solutions
Associations and certifications
- Financial Conduct Authority (FCA)
- National Association of Commercial Finance Brokers (NACFB)
What people say
Expert knowledge
Responsive service
Successful outcomes
Personalised approach
Market access
Services
Commercial Mortgages
Specialist commercial mortgage solutions for property purchase, development, or refinancing. We access competitive rates from high street and specialist lenders, with expertise in complex cases involving semi-commercial properties, portfolio refinancing, and adverse credit situations. Our regulated advice ensures appropriate financing structures for businesses of all sizes.
Bridging Finance
Flexible bridging loan solutions for time-sensitive property transactions. We source both regulated and unregulated bridging finance with loan-to-value ratios up to 75%, including auction purchases and development exits. Our lender panel provides competitive rates with terms from 3 months to 3 years.
Development Finance
Tailored funding for property development projects including residential, commercial, and mixed-use schemes. We arrange funding from 250k to 25m with loan-to-cost ratios up to 75%, covering groundworks through to project completion. Specialist expertise in complex schemes requiring phased drawdowns.
Rescue Finance
Emergency funding solutions for businesses facing financial distress. We secure urgent working capital, HMRC arrears settlements, and debt restructuring through specialist lenders. Our approach prioritises business continuity while negotiating favourable repayment terms with creditors.
Asset Finance
Flexible asset financing for business-critical equipment purchases. We arrange hire purchase agreements and finance leases for vehicles, machinery, and technology with terms from 12 to 60 months. Our solutions preserve cash flow while enabling operational upgrades.
People
Mike Coates
Managing Director
With over 15 years' leadership experience, Mike established Commercial Expert in 2008. He specialises in complex financing solutions and maintains key relationships with specialist lenders across the UK finance market.
Neil Williams
Strategic Growth Consultant
Bringing 35 years' industry experience, Neil focuses on expanding our lender network and developing innovative financing structures for commercial property transactions across diverse market sectors.
Jonathan Wigham
Business Manager
Since joining in 2022, Jonathan has developed expertise in identifying optimal financing solutions, particularly for SMEs requiring working capital and growth funding across the North East region.
Abigail Taylor
Applications Officer
With 25 years' financial services experience, Abigail manages the application process ensuring compliance with FCA regulations while maintaining efficient lender communications throughout the transaction lifecycle.
Abi Stevenson
Executive Assistant
Joined in 2023, Abi provides regulatory support and client coordination, leveraging her financial compliance expertise to maintain our high standards of service delivery.
Questions
What types of business finance do you offer?
We provide commercial mortgages, bridging loans, development finance, rescue funding, asset finance, and specialist business loans through our panel of 200+ lenders.
Are you regulated by the FCA?
Yes, Commercial Expert is directly authorised and regulated by the Financial Conduct Authority (FCA number 698364) for regulated mortgage and consumer credit activities.
Can you help businesses with adverse credit?
Our specialist lender panel enables us to secure funding for businesses with adverse credit histories, though terms may reflect increased risk assessments.
How do your fees work?
We receive commission from lenders upon successful completion - there are no upfront fees for our clients. Full disclosure of any lender fees is provided during the application process.
Do you work with start-up businesses?
While we primarily serve established businesses, we can access specialist lenders offering start-up financing with appropriate security or business plans demonstrating viability.
What areas do you cover?
As a whole-of-market broker, we work with clients nationwide across the UK, supported by our network of appointed representatives in different regions.
