Our Range of Funding Solutions
We are a whole-of-market commercial finance broker, not a lender — our only job is to find the structure that serves you, not the product that suits our book. Below, a plain-English overview of the six areas we specialise in.
- Independent broker
- Whole of market
- Fast decisions
Our Funding Solutions
Bridging Loans
Fast, short-term property funding for auction purchases, refurbishments or chain breaks. Speed and certainty when timing is critical — bridging loans structured for homeowners, landlords and property investors.
Bridging Loans solutions →Development Finance
Funding for ground-up builds, conversions and major refurbishments. Staged drawdown releases aligned with your project milestones and managed by specialist development lenders.
Development Finance solutions →Buy To Let Refinance
Refinance an existing rental property — coming off an expiring fixed rate, releasing equity for the next purchase, or exiting a bridging loan onto a term mortgage. Personal name and limited company.
Buy To Let Refinance solutions →Bad Credit Mortgages
Mortgage options where credit history is the obstacle — defaults, CCJs, missed payments, an IVA or a discharged bankruptcy. Specialist lenders assess how recent and how serious, not just the score.
Bad Credit Mortgages solutions →Second Charge Mortgages
Raise capital against the equity in your property without disturbing your existing mortgage. Useful when your current rate is worth keeping, or early repayment charges make a remortgage expensive.
Second Charge Mortgages solutions →Secured Loans
Borrow against the equity in a property you own. Because the loan is secured, terms are longer and lending criteria more flexible than unsecured borrowing allows.
Secured Loans solutions →Other funding we arrange
Outside our six specialisms we continue to place commercial facilities for existing clients and introducers. Asset Finance, Structured Finance, Invoice Finance, Business Loans, Commercial Mortgages, Asset Refinance, Merchant Cash Advance, Trade Finance, Tax & VAT Funding, Working Capital.
Frequently Asked Questions
- What types of commercial finance does Boxx Finance offer?
- Boxx Finance specialises in six areas: bridging loans, development finance, buy to let refinance, bad credit mortgages, second charge mortgages and secured loans. We also arrange commercial mortgages, asset finance, invoice finance, business loans and other commercial facilities on request. Each solution is matched to your specific circumstances and objectives.
- How do I know which type of business funding is right for me?
- The right funding type depends on your purpose, security, and timescale. Bridging finance suits short-term property transactions. Development finance is for ground-up or heavy refurbishment projects. Commercial mortgages are for long-term property acquisition. Secured loans and second charge mortgages raise capital against equity in property you already own, over a term repaid from income. Asset finance spreads the cost of equipment. Invoice finance, working capital, and merchant cash advance address cash flow. Speaking to a specialist at Boxx Finance is the fastest way to identify the most cost-effective structure for your situation.
- What is the difference between bridging finance and development finance?
- Bridging finance is a short-term secured loan (typically 1–18 months) used to bridge a funding gap — for example, buying a property before selling another, or completing an auction purchase. Development finance is specifically designed for property development projects and is drawn down in stages as the build progresses, with the loan sized against the gross development value (GDV) rather than the current asset value.
- Can businesses with adverse credit arrange commercial finance through Boxx?
- Yes. Many of the specialist and challenger lenders we work with have more flexible credit criteria than high street banks. Adverse credit, CCJs, or a previous insolvency does not automatically disqualify a business. The key factors are the strength of the underlying proposition, the security available, and the current trading position. We will always be honest about what is achievable and why.
- How quickly can Boxx Finance arrange business funding?
- Speed depends on the product and the lender. Bridging finance can complete in as little as 5–10 working days with the right preparation. Commercial mortgages typically take 4–8 weeks. Invoice finance and merchant cash advance facilities can be in place within days. In every case, having clean documentation ready (accounts, bank statements, security details) is the single biggest factor in reducing timescales.
Not sure which product fits your situation?
Most businesses don't need a product — they need a structure. Tell us what you're trying to achieve and we'll tell you exactly what's available, what it will cost, and whether it makes sense for your business.
Speak to a funding specialist