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COMMERCIAL MORTGAGES

Streets of London

We help investors secure funding across the full capital stack — from senior and stretch senior debt to mezzanine and structured finance.

We advise on acquisitions, restructurings, and development projects across commercial real estate, including hotels, residential development, student accommodation, build-to-rent, industrial, logistics, healthcare, and senior living.

With strong lender relationships and access to multiple funding sources, we provide independent, strategic advice throughout the life of each deal.

COMMERCIAL BRIDGE FINANCE

Brick Construction

A commercial bridging loan is a short-term funding solution used to purchase and/or  improve a property before sale or refinance.
 

It can fund projects such as:

  • Converting commercial property to residential

  • Changing a property layout, such as houses into flats or flats into a single house

  • Extensions and loft conversions to add space and value

  • HMO conversions

  • Barn or farm building conversions


These loans allow investors to complete works quickly, add value, and move onto longer-term finance once the project is complete.

DEVELOPMENT FINANCE

Building construction

Our specialist brokers help developers secure funding for residential and commercial projects, from first-time schemes to experienced developers.

Development finance is released in stages, with an initial loan for purchase followed by phased drawdowns as the build progresses, so you only pay interest on funds used.

We work closely with lenders, valuers, and monitoring surveyors to manage the process from start to finish, ensuring funding is released smoothly and on time.

INVOICE FINANCE

Invoice Calculation Scene

Invoice finance improves cash flow by releasing money tied up in unpaid invoices. Instead of waiting 30, 60, or 90 days to be paid, you can access most of the invoice value straight away.

 

A lender advances a percentage upfront and pays the balance once your customer settles the invoice, minus fees. It’s a flexible solution that helps cover day-to-day costs and grows alongside your sales.

BUSINESS FINANCE

Meeting Room

Business loans provide a lump sum of funding to support growth, equipment purchases, expansion, or cash flow.

The loan is repaid in fixed monthly instalments over an agreed term, with pricing based on your business’s finances and plans. It’s a straightforward and predictable way to fund your business goals. 

Business loans offer a straightforward and predictable way to fund your business goals.

Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage.
 

The product recommended and terms offered will depend on your personal circumstances and the loan amount you are seeking. We will assess your needs and objectives and make a recommendation if we think you meet lenders’ criteria and their products meet your needs. All mortgages and loans are subject to satisfactory valuation, full credit underwriting and standard due diligence.
 

CYS Financial is an appointed representative of Brooklands Commercial Finance Limited which is authorised and regulated by the Financial Conduct Authority (No. 648940). Brooklands Commercial Finance Ltd is a credit broker and not a lender.

We work with the whole of the market of lenders who may pay us a commission. This amount of commission varies between lenders.  
CYS Financial Ltd is registered in England and Wales No. 09023891 with our registered office at 16 Old Malt Way, Woking, Surrey, GU21 4QD

Copyright 2026 by CYS Financial Ltd

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