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.

Quick enquiry

Five details is enough to get a view on the deal.

No credit check. No obligation. We come back to you the same working day.

  • [INSERT]+ lenders, including private and specialist funders
  • £[INSERT]m arranged
  • Whole of market
  • [INSERT — NACFB / FIBA membership mark]
Chris Canham, founder of Edge Commercial Finance

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 Chris

Selected transactions

Recent deals

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

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 illustrative of the type of case we arrange. Individual figures and terms will vary. Client details are withheld for confidentiality.

How it works

Three steps, no theatre.

  1. Tell us about the deal

    A short conversation, not a questionnaire. Ten minutes is usually enough.

  2. We go to market

    We approach the lenders that actually fit the deal, rather than the ones that pay the most.

  3. 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.

Illustrative case study

Details anonymised. Timescales depend on title, valuation and solicitor turnaround.

Auction purchase completed inside 18 working days on a mixed-use asset in the Midlands.

Loan
£1.4m
LTV
65%
Completion
18 working days
Read the full case study

Situation

Investor secured a mixed-use block at auction with a firm 28-day completion. Existing lender could not move to timescale.

Solution

Placed with a specialist bridging lender at 65% LTV on a 12-month term, with a clear refinance route onto a commercial mortgage post-works.

Outcome

Completed with four working days to spare. Refinanced onto a 5-year term product at month 9.

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.