Welcome to Episode 24. I’m joined by my broker, Emma Ross, and we break down commercial finance so you can make better funding decisions.

Commercial finance in plain English: how business and property funding actually works, what lenders look for, and how to avoid expensive mistakes.

Emma Ross breaks down bridging, buy-to-let products, valuation issues, and how to think about cash flow when you’re trying to grow.

Key takeaways:
• What a commercial finance broker does (and what they don’t do)
• How bridging finance works, typical terms, and how interest is structured
• The difference between serviced, retained, and part-and-part bridging
• Why valuations/down-valuations happen and what you can do about it
• How some buy-to-let products work for below market value purchases
• How to think about speed vs rate vs flexibility when choosing a lender

Emma Ross is a commercial finance broker specialising in specialist lending across property finance and business funding. She explains where different products fit (bridging finance, buy-to-let, commercial lending and asset finance), how underwriting and lender risk appetite affects outcomes, and why having the right broker relationships can change what’s possible. You’ll also hear practical examples of structuring deals, handling mixed-use properties, and planning a repayment strategy so cash flow doesn’t catch you out.

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