Commercial Finance Broker Blog
Blog from Mark Alexander, retired Commercial Finance Broker and founder member of the NACFB – National Association of Commercial Finance Brokers
How to Present Your Portfolio to a Commercial Lender
Strong presentation increases approval odds and improves terms. Commercial lenders assess the business behind the properties, not just...
Broker Insights – How NACFB Members Solve the Problems That Banks Won’t Touch
High street banks prefer straightforward lending – single buy to let properties, long leases, and simple borrower profiles. But the...
A Tale of Two Applications – Why One Got Rejected and the Other Approved
On the surface, two landlords submitted similar applications for commercial finance. Yet one was rejected outright while the other...
How One Landlord Restructured £5m of Debt with Commercial Finance
Large portfolios can generate significant income – but they also carry significant debt. Managing that debt effectively is crucial...
From Stalled Project to Success – How a Landlord Used Bridging to Complete a Deal
Not every property project goes to plan. Unexpected costs, tight deadlines, and lender withdrawals can stall even the most experienced...
How to Protect Your Liquidity When Refinancing a Portfolio
Refinancing is a critical moment for landlords. It can unlock equity, improve terms, or restructure debt – but it can also create...
Loan Covenants Explained – Avoiding Traps in Your Commercial Mortgage Agreement
Loan covenants are one of the least understood parts of a commercial mortgage agreement. Many landlords focus on rate and loan size...
Understanding Personal Guarantees – Risks and Alternatives
Personal guarantees are one of the most misunderstood aspects of commercial finance. Many landlords sign them without fully appreciating...
The Impact of Stress Testing on Landlords’ Borrowing Power
Stress testing has become one of the biggest hurdles for landlords seeking finance. Even when rental income is strong, lenders apply...
Specialist Lenders Filling the Gap Left by High Street Banks
High street banks have been retreating from parts of the landlord market, leaving many investors frustrated by rigid criteria and refusals.
How Rising Interest Rates Have Changed the Commercial Lending Market
Rising interest rates have transformed the lending landscape for landlords. Deals that looked affordable three years ago may now be...
Development Finance for Landlords – Converting HMOs, Flats and Mixed-Use Properties
For landlords looking to add value, development finance is a crucial tool. Whether converting a house into an HMO, redeveloping flats,
Bridging Finance Explained – When It Works, When It Doesn’t
Bridging finance is one of the most talked about, yet least understood, tools available to landlords. Fast, flexible, and widely used,