Finance to help you move forward.

Mortgage, property and business finance tailored around what you’re trying to achieve.

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Residential, bridging and commercial finance
Support for business owners and complex cases
Adviser-led service
Access to specialist lenders

What we arrange

Personal, property and business finance, arranged by one adviser who understands how they connect.

Not sure which applies? Ask us

Your home & family

Buying or remortgaging your home, and protecting the people who rely on you.

Property investment & development

Short-term, development and longer-term finance for property you invest in or build.

Your business

Premises, equipment and working capital for the business you run.

Finance in practice

Three worked examples of how we approach a case: understand the business or project first, then build the finance around it.

These are illustrative examples, not records of specific clients. Figures are for illustration only; the terms available depend on your circumstances, the property or assets concerned and lender criteria. The types of finance in these examples are not regulated by the Financial Conduct Authority, and nor are most buy-to-let mortgages.

Business premises

Buying the unit after eleven years as tenants

Illustrative example: sheet-metal fabricator, Walsall

The situation

A fabricator has rented its 9,800 sq ft unit for eleven years. The landlord is retiring and offers the directors first refusal, with six months before it goes to the open market. The latest accounts show a dip after a large customer paid late.

How we’d approach it

We’d present two years of accounts alongside current management figures that explain the dip, and go to lenders comfortable with owner-occupied industrial property. We’d also work with the directors and their accountant, following the accountant’s advice on whether to buy in the company’s name or personally, and where the deposit should come from.

Example figures

Purchase price: £695,000
Loan to value: 75%
Term: 20 years
Deposit: Retained profit

Mortgages for business premises

Development

Four townhouses on a former garage site

Illustrative example: small developer, Chapel Allerton, Leeds

The situation

A developer owns a plot of derelict lock-up garages outright and has planning for four three-bedroom townhouses. Their own cash is tied up in the land, and they want to start on site in the spring.

How we’d approach it

We’d use the land’s value as the developer’s contribution, so the facility could cover the full build cost. Funds would be released in stages as a monitoring surveyor signs off each phase, with the exit agreed before work starts: sell three homes and refinance the fourth onto a buy-to-let mortgage.

Example figures

Gross development value: £1.38m
Facility: £742,000
Build cost funded: 100%
Term: 18 months

Development finance

Business growth

A new machine and the cash to run the contract

Illustrative example: precision machinist, Derby

The situation

A machinist wins a three-year supply contract with an aerospace tier-one supplier. Delivering it means a second five-axis machining centre and buying titanium bar months ahead, while the customer pays on 75-day terms.

How we’d approach it

We’d split the requirement in two. Hire purchase spreads the machine’s cost over five years, so repayments run alongside the contract income. A confidential invoice finance facility releases cash against each invoice as it’s raised, covering materials and wages through the payment gap.

Example figures

Machining centre: £385,000
Hire purchase term: 5 years
Invoice finance: Up to £250,000
Cash against invoices: Typically within 48 hours, not guaranteed

Finance for you and your business.

Capacity Finance works with company directors, self-employed professionals and SME owners across both personal and business finance — from residential mortgages to funding equipment, premises, property projects, working capital and acquisitions.

Explore business finance

You

Your business

Your property

Accountants and professional introducers

If a client needs finance, we’re happy to talk it through with you first and keep you informed as the case progresses.

Talk to us about referrals

Kaz Sood

Mortgage, Protection & Specialist Finance Adviser

You’ll deal with the same adviser throughout.

I’m Kaz. I set up Capacity Finance to give business owners, company directors and property investors one adviser who understands the whole picture: your home, your business and your property projects, and how each one affects the others.

When you get in touch, you’ll speak to me. I’ll explain your options and what they cost in plain English, tell you straight if something isn’t right for you, and keep you updated at every stage until your finance is in place.

How we work

Clear advice: Options, costs and trade-offs explained in plain English, so you can decide with confidence.
Specialist lender access: Mainstream, specialist and private lenders for requirements outside standard criteria.
Complex-case experience: Self-employed income, multiple properties, tight timescales or non-standard security.
Long-term relationships: The adviser you come back to for the next remortgage, purchase or business investment.

Let’s discuss what you’re looking to achieve.

Tell us a little about what you need and we’ll come back to you to arrange a conversation.

What happens next

Step 1: Tell us what you need
A short conversation about what you’re trying to achieve, your timescales and your circumstances.
Step 2: We assess the options
We review suitable lenders and products, then talk you through our recommendation and what it involves.
Step 3: We arrange the finance
We manage the application and keep in contact with the lender and other parties through to completion.

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