Bridging — auction purchase
£1.4m
Mixed-use block bought at auction with a 28-day deadline and no time for a term lender.
- 68% LTV
- 9-month term
- Completed in 11 days
Edge Commercial Finance
Three decades on the inside of lending decisions. Now funding property deals that others overcomplicate.
Commercial mortgages, bridging and development finance, arranged by someone who has spent thirty years seeing which cases get funded and which ones stall.
Whole-of-market access. Indicative terms in days, not weeks, on cases that are ready to present.
- Thirty years inside lending
- Bridging, development and commercial mortgages
- Whole of market
The founder
Deals get done by people, not portals.
Edge Commercial Finance is Chris Canham. Over 30 years working in UK financial services, most of it spent seeing which cases lenders fund and which ones quietly stall. Tell him what the deal is and he will tell you honestly whether it is fundable, roughly what it will cost, and who is likely to do it. If the answer is no, you will hear that too, and quickly.
More about ChrisWhat we arrange
Three products, one point of contact.
Bridging Finance
Short-term funding for business and investment purposes when speed decides the outcome. Auction purchases, refinance of maturing facilities, refurbishment and capital raising against investment property. Five-working-day completions are possible where title is clean and dual representation is available.
From 5 working days
Bridging financeDevelopment Finance
Ground-up and heavy refurbishment funding for SME developers, built around your GDV and your programme, for developers and property trading companies.
Up to 70% GDV, subject to scheme and experience
Development financeCommercial Mortgages
Long-term funding for HMOs, hospitality, leisure, semi-commercial and commercial investment property held for business purposes.
Terms to 25 years, subject to lender criteria
Commercial mortgagesAll facilities are for business or investment purposes. Lending is subject to status, security and lender criteria.
Whole of market means what it says.
High street banks, challenger banks, specialist lenders, bridging lenders, development funders, private banks, family offices and private funders. Some of them do not deal directly with the public and do not appear on any comparison site.
- High street
- Challenger
- Specialist
- Bridging
- Development
- Private bank
- Family office
- Private funder
Selected transactions
Recent deals
Development — 6-unit new build
£2.3m
Ground-up residential scheme funded on a staged drawdown against build cost.
- 62% LTGDV
- 18-month term
- Completed in 6 weeks
Commercial mortgage — HMO portfolio
£875k
Refinance of four licensed HMOs off a bridge onto a five-year commercial facility.
- 72% LTV
- 5-year term
- Completed in 5 weeks
Transaction examples are drawn from real cases we have arranged. Client details are anonymised; individual figures and terms vary.
Most enquiries start here.
Run the numbers first.
Two quick tools to sense-check a deal before you take it further.
Bridging cost calculator
Price a bridge on your numbers — LTV, retained versus rolled interest, total cost of finance.
Open calculatorIndicative only. Not a quotation or an offer of finance.
GDV calculator
Model a development on GDV, build cost and profit on cost. Sense-check a scheme before you commit.
Open calculatorIndicative only. Not a quotation or an offer of finance.
Prefer to just talk it through? Call 01883 723310.
How it works
Three steps, no theatre.
Tell us about the deal
A short conversation, not a questionnaire. Ten minutes is usually enough.
We go to market
We approach the lenders that actually fit the deal, rather than the ones that pay the most.
You get terms
Clear terms, clearly explained, with the costs set out in full.
Fees
What this costs you.
There is no charge for the initial conversation or for us going to market on your behalf.
Where a broker fee applies it is agreed in writing before any application is submitted, and it is disclosed alongside any commission we receive from the lender. You will never see a fee you have not already agreed to.
Case studies
Real deals, anonymised.
Details anonymised. Timescales depend on title, valuation and solicitor turnaround.
BridgingThree facilities arranged in parallel
Three facilities, one client — two bridges plus development finance
A South London portfolio landlord running two purchases and a ground-up development at the same time. Three funding lines arranged and managed in parallel, with no deal allowed to slow another down.
CommercialSpecialist security, placed with the right lender
The scaffolding yard — the asset most lenders won't touch
Directors of an established scaffolding company raising finance secured on their operating yard — specialist commercial land with limited comparable evidence that mainstream lenders decline on sight.
CommercialOwner-occupier pub purchase with Allica Bank
Buying the pub — a challenger-bank commercial mortgage
An established hospitality operator buying the freehold of the Surrey pub their business trades from — with an asbestos report, source-of-deposit evidence and guarantor legal advice all needing to be unblocked.
BridgingValuation corrected, offer secured on proper terms
The valuation error — challenging the numbers on a high-value bridge
A material error in a valuation on a high-value Surrey residential property — the kind of mistake that, unchallenged, kills a deal or costs the borrower tens of thousands in reduced lending.
CommercialOffer extended, price change absorbed — no re-underwriting
The expiring offer — keeping a purchase alive
A property investor buying leasehold flats, delayed by slow third parties, with the mortgage offer heading for expiry and the price renegotiated mid-transaction.
Common questions
The questions we get asked most.
Got a deal that needs funding?
Call directly, or send the outline and we will come back to you the same working day.
We aim to respond the same working day.