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Our Services

Development Finance/ Mezzanine Debt

At Wharf Financial, our experience in dealing with a variety of property development projects has put us in the ideal position to secure the best possible terms for our clients. Having worked with property development clients for over 15 years Wharf Financial can work with you to achieve the most favourable terms for your property development projects.

  • Lending from £150k to £50m
  • Residential, commercial, mixed-use and care facility schemes
  • Senior, stretch-senior and mezzanine debt
  • Up to 90% loan to cost
  • 100% funding with additional security can be arranged

Commercial and Residential Property Investment

Whether you are purchasing a residential or commercial property investment, Wharf Financial is in the ideal position to secure the most appropriate funding solution for your unique situation. Our knowledge of the UK real estate market is deep rooted and our impressive network gives us an edge when sourcing the most competitive terms.

  • Lending from £50k to £50m
  • Residential, HMOs, commercial and semi-commercial
  • Specialisms in health-facilities, student accommodation and professional practices
  • Holiday Lets and AirBnB
  • Up to 80% loan to value
  • 100% funding with additional security can be arranged

Bridging Loans and Property Refurbishment

There are often times when short term finance is the most appropriate solution to your funding needs. Whether it be tight timescales or a specific property refurbishment requirement, Wharf Financial are well placed to access funds quickly. With strong relationships in specialist bridging firms and key connections to many banks our highly responsive offering is key to our success in this market.

  • Lending from £25k to £50m
  • Residential, HMOs, commercial and semi-commercial
  • Property refurbishments and conversions
  • Development exit products
  • Up to 85% Loan to value
  • Interest retained, rolled up or serviced facilities available

Trading Business and Working Capital Solutions

In today’s fast-paced commercial world, businesses require flexible and timely banking solutions. Wharf Financial will meet with key stakeholders to understand their business and its trading cycle. Assessing both the financial and trading aspects of the business a thorough analysis will be undertaken with a formal presentation being made to the most appropriate lender.

  • Lending from £25k to £50m
  • Invoice Finance – up to 90% of debtor book
  • Trade facilities – UK and International
  • Asset Based Lending – plant/machinery and property
  • Professional practices and health care businesses
  • Enterprise Finance Guarantee Scheme

"Marc Champ of Wharf Financial Services met our high expectations. His diligence led to success in satisfying the challenge with which we presented him. The financial solution arranged for our business was pursued professionally and expertly leading to an offer perfectly suited to our business."


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