Welcome to Britfund

Unlocking Your Financial Potential

Independent, Family-Owned, and Award-Winning Commercial Finance Brokers

Financial Solutions

Tailored Strategies for Your Success

Explore customized financial solutions designed to meet your unique needs. From business loans to investment strategies, we offer expert guidance to help you achieve your financial goals. Trust us to provide innovative, results-driven support that empowers your journey to financial growth and stability.
  • Worldwide Acceptance: The Britfund Smart-Card is accepted at millions of locations globally, making it a perfect companion for international travel and business.
  • Multi-Currency Support: Effortlessly handle transactions in multiple currencies with competitive exchange rates, saving you time and money on conversions.
  • Fee Waivers on Foreign Transactions: Enjoy zero fees on foreign transactions, ensuring cost-effective spending abroad.
  • Tailored Cashback Rewards: Earn cashback on categories most relevant to VIP clients, including luxury retail, fine dining, and travel.
  • Exclusive Partnerships: Gain access to offers and privileges with luxury brands, premium hotels, and exclusive events.
  • Loyalty Points Program: Accumulate points with every transaction and redeem them for travel, dining, or exclusive experiences.
Britfund Commercial Finance is an award-winning, independent, and impartial brokerage that offers commercial finance and business support to businesses across the entire UK.
We provide our clients with a comprehensive ‘one-stop shop’ service, specializing in delivering a fully managed, professional solution that ensures access to the most competitive funding options available across the entire market.
With our Indicative Terms Forms, you can gain insight into how much you could potentially borrow and the terms associated with it. These terms may also be referred to as a ‘Mortgage in Principle,’ ‘Decision in Principle,’ or ‘Mortgage Promise.’
Indicative terms can be used when working with an estate agent or property seller to demonstrate your potential financial capacity to purchase. For Asset Finance, Business Loans, Development Finance, and Invoice Finance, it gives you an overview of the financing terms we may be able to secure on your behalf.
Through our Business Support Services and Trusted Partner Network, we provide access to property valuations, insurance, legal support, and much more. We will fully prepare and submit your lending proposal, ensuring the best rates and terms are secured while processing your application quickly and efficiently to make funds available as soon as possible.
Whatever your commercial funding needs, we offer a free, impartial, and completely confidential initial consultation, quickly assessing your funding options.

Latest News & Updates

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Average Mortgage Rates Fall Below 6%

New data reveals that average rates for two- and five-year fixed-rate mortgages have fallen below 6% for the first time in two months. According to financial information service Moneyfacts, the...
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The True Cost of Mortgages

The cost of a mortgage can vary widely depending on several key factors. Let’s break it down: 1. Interest RateThe interest rate plays a major role in the overall cost...
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The Coronavirus Loan Schemes and the Future Fund

Today, the Chancellor of the Exchequer has announced an extension of the government’s three Coronavirus business interruption loan schemes and the Future Fund. This extension aligns the end dates of...
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Commonly Asked Questions (FAQ)

Below is a list of the most frequently asked questions regarding raising finance, along with clear and concise answers to help you understand the process.


We require your authorization to allow any lender we apply to on your behalf to conduct independent background checks to assess creditworthiness and financial standing.

This authorization is valid solely for Andrew Wattsford or any lender they deem appropriate and suitable for your needs. It covers the provision and verification of information related to any loan application you may submit.

An e-signature document will be sent to the lead applicant only.

Dual representation occurs when the same law firm represents both you and the lender. To proceed, you will need to instruct a solicitor from that firm and provide the following details:

Firm name
Name of the instructed solicitor
Instructed solicitor’s email address
Instructed solicitor’s telephone number
The instructed solicitor must be registered with the Solicitors Regulation Authority (SRA), which you can verify at SRA Register.

If you prefer to use your own solicitor, you must provide the same information and ensure that the solicitor is listed on the SRA Register.


EBITDA is a key metric used by banks to evaluate a business’s performance. It stands for Earnings Before Interest, Taxes, Depreciation, and Amortisation.


ERC stands for ‘Early Repayment Charges’ – typically applied to longer-term Commercial Mortgages to safeguard the lender’s expected margin on the funds. These charges are incurred if the loan is paid off early, often within the first three to five years. Many lenders impose ERCs on a reducing scale, but they can be as high as 5% of the mortgage amount if the loan is repaid in the first year.

The support provided by Wattsford Commercial Finance is customized to your needs. We assist you throughout the entire application process. For instance, some lenders may request supporting documents, such as a business plan, as part of their lending decision, and we’ll help you prepare them.

If potential lenders wish to meet with you, we will attend the meeting with you whenever possible.

The amount of property development finance available will depend on the type of project, the total borrowing need, and the estimated Gross Development Value (GDV) upon completion of the project.

 

As part of our regulatory obligations, we are required to conduct ID, PEP (Politically Exposed Person), and Sanction list checks on the lead applicant. These checks are performed when we send out Fact Finds as part of your funding application.

ID verification is applied only to the lead applicant, as follows:

  • Limited Company: The lead applicant must be a director or a shareholder with at least 25% ownership of the company.
  • Sole Trader: The named individual (applicant).
  • Partnerships and Trusts: The lead partner or trustee.

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Foreign exchange rates

Currency
Purchase
Selling
USD
74.55
74.74
EUR
83.60
83.83