Experienced lenders

BCF Lending are a Direct Provider of Development, Bridge and SME lending to UK and Ireland borrowers.
‍
We have significant capital ready to deploy, and our track record with borrowers and brokers evidences our ability to deliver on deals in a timely and efficient manner. This includes deals that fall outside the remit of credit policies of traditional high street lenders or other alternative lenders.
‍
We have significant experience in providing a wide variety of loans to borrowers across many sectors, but irrespective of sector our loans are fundamentally backed by land and property.

If you make an enquiry to us, we will always respond quickly and discreetly to recognise the unique elements of your requirements.
‍
Our typical lending criteria is as follows:
• Minimum lending size of £200k
• Term length of between 6 months and 36 months
• Loans up to 70% of LTV/LTGDV
• Tailored Interest Rates are competitive and based on the
unique circumstances of each transaction.

SENIOR TEAM

Gareth Graham

CEO

Gareth has been a property developer for over three decades. He has developed numerous schemes and has a wealth of experience in relation to funding/financing.

CONTACT

Adam Dickson

Head of Underwriting

Adam is a Chartered Accountant, and as Group FD has overseen the development business for 30 years.

CONTACT

Ciaran McLaughlin

Head of Business Development

Ciaran has 13 years Corporate Banking experience. He has provided growth and development funding for a range of large corporate, SME and commercial real estate borrowers and transactions.

CONTACT

Mark Sturgeon

Head of Compliance

Mark is a Chartered Accountant with 25+ years experience and oversees the financial and compliance aspects of the business.

CONTACT

THE PROCESS

Whilst the 4 products above have different purposes, our lending process is very similar.
‍
We have progressed from initial discussions with a borrower to drawing down funds in as little as 2 weeks, though typically the process from initial enquiry to drawdown is on average c. 5-8 weeks.
‍
We would emphasise that we are as quick as the borrower, and if good information is provided with motivated solicitors, we will be very prompt.

Issue HOTs

Credit Approval

Legal and Due Diligence

Drawdown

Loan Monitoring

Issue HOTs
Once a borrower or an introducer gets in touch with information about a lending requirement, we will turn around indicative Heads of Terms in 2-4 working days.