Do you support franchises, property finance or commercial mortgages?

Yes. We route franchise finance, property-secured business loans and commercial mortgages to UK lenders that specialise in each category. Typical ticket sizes range from £25,000 for a single-unit franchisee fit-out, up to £25m for a multi-property commercial mortgage facility through a clearing bank or specialist commercial lender.

Franchise finance breaks down by use of funds. Initial franchise fee plus fit-out: £50,000 to £500,000 over 5 to 7 years, typically through specialist franchise-aware lenders or via the franchisor's recommended finance partner. Multi-unit expansion: £250,000 to £5m through banks like Allica Bank and Shawbrook. Working capital for an established franchisee: £25,000 to £250,000 unsecured through fintech lenders. Most major franchisor networks (McDonald's, Costa, Subway, Domino's, Greggs and others) have nominated finance panels.

Commercial mortgages run £150,000 to £25m+ over 5 to 25 years, secured by a first charge over the property. UK specialist commercial mortgage lenders include Allica Bank, OakNorth, Aldermore and Shawbrook. Owner-occupied properties (your own trading premises) usually price 1 to 2 percentage points below investment properties, because the lender sees the trading business as additional support. Bridging finance for short-term property acquisition runs 9 to 18 months at higher rates and is a separate product.

Property-secured business loans (also called second-charge or commercial second-charge loans) sit between unsecured term and full commercial mortgage. Useful when you have equity in commercial property and want a cash facility against it without remortgaging the senior debt. See our franchisee sector page for franchise-specific routes.