We are proud to announce that Positive Commercial Finance has won the NACFB Development Finance Broker of the Year 2026, after also picking up the award in 2024. 🏆 In addition, we won B&C's Best Development Finance Broker 2026, back-to-back after 2025 and were Highly Commended at Business Moneyfacts Awards in 2026 and 2025. Thank you to every client, introducer and lender who made this possible. Speak to Positive Commercial Finance today to discuss your next project.👇 📞 0161 763 0321 🌐 PositiveCommercialFinance.co… @johnpcf1 @jameswaddicker #DevelopmentFinance #PropertyDevelopment

Development finance is rarely just about the numbers — it’s about the structure. A broker helps you prepare the right information, present the deal properly, and improve your chances of a smoother approval. 📊🏗️ From borrower details to exit strategy, every part of the application matters. Get the right support in place before you submit your next deal. ✅ “Why Should I Use a Broker?”, read our FREE full guide here: 👇 positivecommercialfinance.co… With NO UPFRONT FEES whatsoever, you have absolutely nothing to lose, so we invite you to test our services today. 📞 0161 763 0321 🌐 PositiveCommercialFinance.co… @johnpcf1 @jameswaddicker #DevelopmentFinance #MortgageBroker

Delighted to have been crowned “Best Development Broker 2026” at last weeks' Bridging & Commercial Awards. Having also won in 2025, this is the first time a broker has won it back to back, which hopefully speaks volumes.  We’d really like to extend our gratitude to everyone we have worked with and indeed everyone who voted for us. We’re thankful for some truly amazing relationships which we have certainly had to leverage recently to get deals done! Thanks to each & every one of you.     If you are a Developer looking for funding for you next (or current) project, please do get in touch for a chat. We’d be delighted to hear from you.

🤔 One misconception a residential and commercial bridging loan borrower can face when taking out a loan is the Loan to Value (LTV) headline from a lender. 💷 In many cases a borrower would expect to be receiving the advertised percentage e.g. 75% LTV in cash but bridging loans are rarely that straight-forward due to the difference between Gross and Net LTV. ⚖️ 📉 Lenders provide loans based on the Gross LTV, however you receive the Net LTV after they deduct certain factors. These can typically be arrangement fees, broker fees and legal fees. When it comes to bridging finance, interest can be taken upfront from the loan facility for the entire term (e.g., 12 months) if there are no monthly payments. 📆 ⚠️ For example a 75% Gross LTV might reduce to 65% to 70% Net LTV (dependent on the length of the loan term) when the cash is actually advanced. If a borrower doesn't factor in this "funding gap" there might well be a short-fall. 🚧 🔍 When researching offers from lenders, always look beyond the headline LTV and ask your broker for the net cash in hand figure. 💸 🏢 Positive Commercial Finance would be delighted to discuss your project. 🤝 ✅ With NO UPFRONT FEES whatsoever, you have absolutely nothing to lose, so we invite you to test our services today. 🚀 📞 0161 763 0321 🌐 PositiveCommercialFinance.co… @johnpcf1 @jameswaddicker #BridgingFinance #DevelopmentFinance

Case Study: Development Finance Facility for 5 New-Build Houses in South Manchester positivecommercialfinance.co… @jameswaddicker @johnpcf1

Need refurbishment finance that gives you cash in-hand from Day 1? 🏡🔨 Our Refurbishment Bridging Loan is designed to help investors and developers move quickly — with funding available for both the purchase and the works. Up to 75% LTV NET towards the acquisition, based on OMV. Then 100% Cost of Works, with typically 25% provided on Day 1 and the balance in pre-agreed tranches. ✔️ Subject to a maximum of 70% LTGDV, based on OMV ✔️ 2% Arrangement Fee (subject to a minimum of £2,500) ✔️ Interest at 0.89% pcm ✔️ No Exit Fees, ✔️ £995 Lender Admin Fee ✔️ No additional Broker Fees 👉 Title Insurance can be utilised for swift completion. 👉 Desktops & AVM’s can be utilised at the underwriters discretion. 👉 QS not typically required on light refurbishments where Cost of Works is less than £60k. 👉 Dual Representation can be utilised. 👉 No upfront legal fee undertaking. 👉 Applicants must have a clean credit history, with relevant experience & owning their own home. 👉 Minimum Day 1 loan amount £50k, and minimum property value £75k. 👉 For residential Refurbishment projects in England, Scotland & Wales. We'd be delighted to discuss your project today. With NO UPFRONT FEES whatsoever, you’ve got nothing to lose by exploring your options. Speak to Positive Commercial Finance today to discuss your next project.👇 📞 0161 763 0321 🌐 PositiveCommercialFinance.co… @johnpcf1 @jameswaddicker #BridgingFinance #RefurbishmentFinance

The most impressive structures depend on the unseen strength below. Our equity funding provides the deep foundation that allows developers' visions to soar. We have Equity Funding options for well experienced, professional Residential Property Developers with demonstrable track records. ✅Family housing preferred, but will consider some apartments. ✅Typical equity amounts fall between £500k & £2.5m. ✅Suitable for schemes of up to 20 units. ✅Up to 80% LTGDV. ✅Profit share plus coupon, agreed case by case. ✅Can provide up to 100% LTC (behind Senior Debt) for "Best in Class” Developers. Anywhere in the UK, with a preference for affluent areas with evident market liquidity. Full planning consent must be in place (no speculative land deals please!) We’d be delighted to take a look at your project. With NO UPFRONT FEES whatsoever, you have absolutely nothing to lose, so we invite you to test our services today. 📞 0161 763 0321 🌐 PositiveCommercialFinance.co… @johnpcf1 @jameswaddicker #BridgingFinance #EquityFunding

£920,000 Semi‑Commercial Refinance | Base + 1.90% | £0 lender arrangement Fee positivecommercialfinance.co… @johnpcf1 @jameswaddicker

We’re proud to share another fantastic review from Feefo highlighting the service standards we’re known for at Positive Commercial Finance ⭐ 💬 “Always good and regular friendly communication. Able to source client requirements swiftly and efficiently. Always there to troubleshoot with any problems. Overall an excellent service.” As an 🏆 award-winning development finance broker, we understand that communication, speed and problem-solving make all the difference. ⚡ We pride ourselves on sourcing tailored funding solutions swiftly and efficiently — while staying hands-on to troubleshoot and support clients every step of the way. 🤝 If you’re looking for finance expertise backed by excellent service and trusted industry recognition, we’re here to help. 🚀 NO UPFRONT FEES - Test Our Services Today 📞 0161 763 0321 🌐 PositiveCommercialFinance.co… @johnpcf1 @jameswaddicker #BridgingFinance #DevelopmentFinance

98% of purchase price on a Semi-Commercial property in Liverpool. positivecommercialfinance.co…

📊 Case Study | Refurbishment Bridging Finance – Harrogate We recently arranged a refurbishment bridging loan to support the acquisition and refurbishment of a residential property in Harrogate. 🔑 Deal Structure ✔ 98% of the purchase price funded on Day 1 ✔ 100% of total works costs funded in 2 staged tranches ✔ 48% Loan to Value using an additional security property ✔ Interest rate 0.85% per month, interest retained ✔ 2% arrangement fee ✔ No exit fee ✔ 12-month term 📝 Deal Summary Our clients were purchasing a residential property requiring extensive refurbishment. Due to the scale of works and limited experience, a fixed-price contract was agreed with a local builder, allowing a clear build programme and drawdown schedule to be put in place. The purchase was funded at 98% leverage, achieved by taking a first charge on the new property and a second charge over an existing asset. 100% of build costs were funded in arrears across two tranches. The acquisition was completed via an SPV, marking the clients’ first project together. One borrower was an experienced landlord, while the other was a first-time investor. The strategy is to sell on completion, reinvesting profits into their next development. We were delighted to support them on the first step of what we hope will be many future projects. 🏆 Development Finance Broker of the Year 2024–2025 Looking to fund your next property development? We provide tailored finance solutions with unmatched expertise. Get in touch today! 📞 0161 763 0321 🌐 PositiveCommercialFinance.co… @johnpcf1 @jameswaddicker #BridgingFinance #DevelopmentFinance

Case Study: £4,000,000 Development Finance Secured for 12 New-Build Houses in Greater Manchester positivecommercialfinance.co… @johnpcf1 @jameswaddicker

Need to prepare for a fast, flexible way to fund your next refurb project? 🏠💷 Our Refurbishment Bridging Loan Checklist shows you how to: 🔍Assess the deal, works and GDV properly ✅Structure your exit (sell or refinance) with confidence ⏱️Avoid delays, cashflow gaps and last‑minute surprises Perfect for investors and landlords using a buy‑refurb‑sell or buy‑refurb‑refinance strategy in 2026. Ready to download your checklist and start your next refurbishment project with confidence? 👇 “Refurbishment Bridging Loan Check List”, read our FREE full guide here: 👇 PositiveCommercialFinance.co… With NO UPFRONT FEES whatsoever, you have absolutely nothing to lose, so we invite you to test our services today. Awarded Development Broker of the Year 2024 & 2025 – we know how to get deals done! 📞 0161 763 0321 🌐 PositiveCommercialFinance.co… @johnpcf1 @jameswaddicker #BridgingFinance #BridgingBroker

Case Study: Developer Exit Bridging Loan secured against x4 new-build houses in Surrey. positivecommercialfinance.co… @jameswaddicker @johnpcf1

🏠 9 Houses Funded in Kent – 90% Loan to Costs! A Developer sought new funding after his existing lender showed a "lack of empathy" when a sub-contractor failed. He contacted us for funding for his next scheme of 9 family homes in Kent, wanting a Challenger Bank, not a specialist lender, to avoid swift default fees. We were tasked with matching his previous funder's 90% Loan to Cost. Our chosen Challenger Bank partner offered up to 90% Total Project Costs, better pricing, a lower Personal Guarantee, and flexibility, including the option to refinance retained units onto a longer-term facility. The new facility is now in place, and the client is on site. ✅ 90% Loan to total costs ✅ £3.9m Funding at 65% GDV ✅ Challenger bank with a flexible approach ✅ Exit options into long-term finance Our award-winning expertise makes complex deals simple. Let us help you unlock your property development potential! 📞 0161 763 0321 🌐 PositiveCommercialFinance.co… @johnpcf1 @jameswaddicker #BridgingFinance #DevelopmentFinance

🔎Looking for Development Finance - See what our latest customer review has to say…. "From start to finish John has been amazing…after being turned down from a main stream lender and feeling deflated, i was recommended to call John. He reassured me that he could source me a good lender at a competitive rate, John found me several lenders to match my requirements and advised me on the best option for my situation. He was so pro active and the communication was first class. John kept me updated throughout the process, making it a stress free transaction. I have already recommended John to a couple of my developer colleagues. Would highly recommend!" – SF 🏆 Development Finance Broker of the Year 2024–2025 Looking to fund your next property development? We provide tailored finance solutions with unmatched expertise. Get in touch today! 📞 0161 763 0321 🌐 PositiveCommercialFinance.co… @johnpcf1 @jameswaddicker #BridgingFinance #DevelopmentFinance