Broker Criteria
Broker criteria, product capability and case fit.
A guide to the cases Finanze Capital may consider across unregulated business-purpose property finance.
Broker facilities guide
Download the broker guide and review the core criteria.
Finanze Capital Facilities Guide
Use the downloadable broker facilities guide alongside this online criteria page. The website summarises the key appetite points and submission requirements; the guide gives brokers a practical file to keep, share internally or refer to before running a quote.
Core position
Business-purpose lending only.
Loan Range
Indicative gross facilities from £500,000 to £250,000,000, subject to case facts, underwriting, valuation, legal due diligence, credit approval and available funding.
Term Range
Typical term range is 6 to 24 months. Longer terms may be considered only where the product, exit route and approval position support it.
Interest
Retained, part-retained and serviced interest may be available depending on borrower profile, affordability evidence, product type and exit.
Pricing
Arrangement fee is typically 2%. Monthly interest is case-led and may vary by gearing, loan size, risk, property type and borrower profile.
Cases must not involve occupation of the security property by the borrower or a family member.
Product capability
Route fit at a glance.
| Route | Typical use | Broker notes |
|---|---|---|
| Purchase Bridging | Investment property purchase, auction purchase or timing-led acquisition. | Prepare purchase price, value, contribution, exit route and any additional security details. |
| Re-Bridge | Replacing an existing facility, extending time or stabilising a case. | Outstanding debt, current lender, redemption position and reason for refinance matter. |
| Refurbishment / Works | Investment property works where cost, timing and GDV can be explained. | Works schedule, cost to complete, planning and experience should be packaged early. |
| Finish & Exit | Completing remaining works and giving the borrower time to sell, refinance or stabilise. | Existing debt, remaining works, GDV and route to repayment need to be clear. |
| Development Exit | Completed or near-complete schemes requiring time to complete sales or refinance. | Sales position, valuation basis and cash requirement should be evidenced. |
| FINANZE® Title Split Finance | Value creation through title separation, sale of parts or refinancing. | Legal route, split plan and valuation support are critical. |
| FINANZE® Lease Extension Finance | Funding a lease extension strategy where uplift is supportable. | Premium, extended value, current lease term and exit route must be clear. |
| BMV Finance | Discounted purchase opportunities where the value story is evidenced. | Vendor motivation, comparable evidence, transaction history and exit route must support the discount. |
| FINANZE® Commercial Investment Bridge | Commercial and mixed-use assets where income and investment value need fuller assessment. | Tenant covenant, lease profile, valuation basis, rent evidence and exit route should be packaged clearly. |
Application readiness
What brokers should prepare before submission.
The following items help reduce avoidable underwriting delay. Requirements may vary depending on borrower structure, property type, funding route, loan size, valuation and legal review.
Passport and driving licence for each borrower.
Two suitable address documents, such as utility bill, council tax bill, mortgage statement or HMRC documentation.
Payslips and P60 for employed borrowers, or accounts, SA302, tax year overviews or SA100 for self-employed borrowers.
Last three months personal bank statements and business bank statements where a company is involved.
Proof of deposit or offset funds where required, plus a recent Experian or Equifax credit file.
HMLR title register and plan, purchase or refinance evidence, schedule of works, costings, contractor quotes and portfolio information where relevant.
This list is not exhaustive, and brokers will be advised of any further requirements after initial case review.
Editable broker templates
Application support downloads.
Use these editable PDFs where a case needs clearer borrower position, portfolio information or a manually completed application form before submission.
Manual Loan Application Form
For brokers who prefer to complete the application manually rather than using the online application route.
Download PDF →Assets & Liabilities Template
Editable A&L declaration for borrower assets, liabilities, commitments and wider financial position.
Download PDF →Property Portfolio Template
Editable portfolio schedule for landlords, multi-property borrowers and portfolio-backed applications.
Download PDF →The online Broker Quick Quote and application route remains the preferred route for speed and structured submission, but the editable form is available where a manual application is more practical.
Common referral points
Raise these early.
Borrower Complexity
Trusts, offshore SPVs, LLPs, PLCs, non-UK residents or layered structures can be considered by referral where KYC, control and exit are clear.
Property Restrictions
Leasehold terms, cladding, listed buildings, non-standard construction, flying freehold and unusual title points should be flagged early.
Adverse Credit
Adverse credit does not always mean automatic decline, but recent, material or undisclosed issues need clear explanation.
Packaging
Documents that reduce delays.
Borrower
Completed application information, ID, proof of address, credit report, A&L / portfolio where relevant, and company / shareholder / director information.
Property
Title register, title plan, valuation where available, lease or tenancy information, rental schedule and insurance details later in the process.
Transaction
Purchase contract, sale memo, redemption statement, works schedule, planning documents, lease extension premium evidence or other case-specific support.
Prefer to talk to a BDM
Prefer to talk through a case?
If you prefer to talk to a BDM or have a call, we are at your convenience. You can book an appointment or move straight into the broker quote route.
For live cases: use the broker quick quote route so the case enters the correct workflow and can progress into application when ready.