Commercial finance broker · Wokingham, working across the UK

Funding built around your cash flow, not a lender’s checklist.

Business loans, property and development finance from £10,000 to £2 million and beyond. One broker takes your case from the first call to the money landing, so it goes to the right lender, packaged to be approved, first time.

Talk through your deal (20 minutes)Call 01182 120 545

£10k to £2m+ facilities · Business, property and development · One broker, first call to completion

Four people standing together in an office in front of a Kingfisher Phoenix Business Finance sign, with the London skyline through the window behind them.

Most deals don’t fail on the numbers. They stall.

They stall because the case went to a lender that was never going to write it. Because the pack raised three questions for every one it answered. Or because the repayments were built on an average month the business doesn’t actually have.

By the time that surfaces, you’ve lost six weeks, and sometimes the property, the auction slot or the deal itself. Kingfisher Phoenix Finance exists to stop that happening.

If you have a completion date, an auction deadline or a quarter end in view, the time to structure your application is before the first lender sees it, not after the first decline.

Check your deal before you apply

Who we fund

Business owners

Working capital, equipment, the premises you trade from, or buying a competitor. Many come to us after a bank said no, or said yes and then went quiet for a month.

Business finance →

Property investors

Purchase, refinance and bridging, usually through a limited company or SPV. Every case turns on LTV, timescale and exit, so we answer all three before a valuation is instructed.

Property finance →

Developers

Ground-up schemes, conversions and heavy refurbishment, funded in stages against a monitoring surveyor. Where the equity has to stretch, we arrange senior and mezzanine together rather than sourcing them separately.

Development finance →

What we arrange

Property Finance

Business Finance

Specialist and Strategic

See all ten products and how each works

How we take a deal from application to completion

Five things we do on every case, and why each one saves you time.

Structured around what your business can actually service

Before a lender sees anything, we map what the business can carry: the thin months, the months that carry the year, and the VAT and tax dates that land in between. The facility is then shaped to fit. Term, repayment profile, security and drawdown order are all decisions, not defaults.

A facility sized to a lender’s checklist looks fine on the offer letter and hurts by month four. That’s the usual reason a business ends up refinancing something it took out only eighteen months earlier.

For example: a business that bills most of its year between September and January doesn’t want the same repayment leaving every May. Moving the start date, shortening the term and weighting repayments into the strong quarter can keep the total cost much the same and make the year far easier to run.

One broker, first call to completion

The broker you speak to first is the one who puts your case to the lender, answers the credit team’s questions and sees it through to drawdown. Nothing is handed to a processing desk, so you never have to explain your deal twice.

That matters most when a lender comes back with a question at four o’clock on a Friday. The answer comes from the person who built the pack, not someone opening the file for the first time.

Lender-ready packs, before the lender asks

We assemble applications the way a credit paper is written: filed and management accounts, the bank statements that explain the movements in them, the rent schedule or the exit, and a short note answering the questions the underwriter is going to raise anyway.

It’s the difference between a case that moves and one that sits in back-and-forth for a fortnight while someone digs out a document nobody warned them about.

Sent only to lenders who are lending, now

Lender appetite changes. A lender writing leisure loans in the spring may have closed the sector by the autumn, and most won’t tell you it’s a no until three weeks in. We place cases with lenders whose current appetite matches your sector, security and structure.

In practice, that’s a shortlist of two or three lenders chosen for your case, rather than one application copied to a dozen to see what sticks. Fewer applications also means fewer credit searches recorded against you.

£10,000 to £2 million, and development finance beyond

That range covers most of what a trading business or property investor needs to raise. Development schemes are structured to the scheme itself, with no fixed ceiling.

It’s the space where many borrowers get stuck: too small for a private bank, too particular for a high-street application form. It’s exactly where we work.

See if your deal fits

From first call to completion in four steps

First conversation
What you need to raise, what it’s for, and what the business or property can carry. Twenty minutes is usually enough to tell you whether it’s fundable, and roughly how.
Structure and pack
We shape the facility around your cash flow, then build the pack: your accounts and statements, the rent or the exit, and a covering note that answers the credit questions in advance.
The right lenders
Your case goes to the lenders whose appetite fits it. Your broker handles their questions directly rather than forwarding them on to you.
Through to completion
Valuation, legals and drawdown managed to the finish, with the dates that matter kept in view: the auction deadline, the completion date, the quarter end.

Start with step one: send your enquiry

The broker on your deal

Kingfisher Phoenix Finance runs from Wokingham, working with clients across the UK.

Every case has one named broker. They take the first call, structure the facility, build the pack, put it to the lenders and stay on it until the money is drawn. The person you first speak to is the person on the call with the lender’s credit team, and the one chasing the solicitor in week five.

That’s the whole point of how we work.

More about how we work

Have a deadline? Let’s look at your deal this week.

Tell us what you need to raise, what it’s for and when you need it. Within one working day your broker will come back with how they’d structure the application, which lenders suit it, and exactly what we’d need from you to put it in front of them.