Positive Development Finance

Positive Development Finance are experts in the field of property development finance areas such as mezzanine finance. Our team consists of ex-property developers and investors, giving us priceless knowledge and experience to enable us to assist you in finding the right deal, having dealt with funders in the capacity of both borrower and intermediary for many years. Today, we are full time finance brokers with a wealth of resources available for you to exploit.

Our panel of funders is second to none. We use institutional lenders, private banks and reputable private individuals to fund development projects throughout the length and breadth of the country. As our sources are so varied, there are no geographical restrictions (yes, funding is available outside of London!) and no maximum funding amounts. We can arrange funding for single units or large developments of residential (houses and apartments), commercial and mixed-use schemes in the UK. We know how all our funders work, what they expect and how to get the best out of them – so much so that they call upon us on a consultancy basis from time to time to assist them with a specific need or market research.

In the development finance marketplace, it is essential to stay abreast of what is available and from which provider. We are in constant contact with our panel of funders to ensure new products and incentives are utilised, and new funders are regularly welcomed on to our panel after being thoroughly vetted.

The costs of a development finance facility can vary quite dramatically, dependent on the developers profile, project location, number and type of units, and what Loan To Value or Loan To Cost is required. Interest rates start from 4% per annum, with arrangement and exit fees in addition.

If you need development finance, you have come to the right place. We do not charge any upfront fees and will happily appraise your project and give you an honest opinion as to whether we can help. We’ll be totally straight with you.

Positive Development Finance only earn fees if your project is funded – that’s why we work so hard to ensure you get what you need.

Our parent company, Positive Commercial Finance, is a full member of the National Association of Commercial Finance Brokers (NACFB) and a Silver member of the Association of Bridging Professionals (AoBP). Check out our Testimonials section for client comments.

Positive Development Finance can also offer, through our partners, Latent Defects and Structural Warranty cover. Please contact us now for more details.


"Thanks again for making all this possible. I'm so glad I found you, you are so professional and you get the job done! Thanks"

Tony Murphy, Lambeth

"Many thanks for that Samantha,
May I say how impressed I am at the speed of your responses...it will be no surprise I'm sure that when assessing our options I looked at a couple of other companies but your attention to detail and speed of response knocks the others out of the park, and as speed and efficiency is obviously a key factor when buying auction properties it gives us a great deal of comfort to know we can look forward to working with you in that manner."
Best regards
David Harrold

"Wow you guys are FAST!"

RB London

"Having previously used Positive Commercial Finance to help us secure the original development funding for an office to residential conversion, we returned to them once the construction works were complete to help us exit the development lend with a longer term commercial mortgage. This was a real end to end solution to the funding requirements presented by this scheme and we were delighted with the 'best in class' service delivery offered by the Positive Commercial service team".

MG Bucks

“I have been placing Bridging and Development enquiries with Positive Commercial Finance since July (’13) and find them to provide the service which is exactly what I’ve been looking for, but never previously found. I receive regular weekly updates on all cases, which no other packager has ever done”.

Paul O’Brien Mortgage Cafe

"There may be larger companies who boast about their service but fall way below these promises. I am confident that Positive Commercial will continue to grow and still maintain their high level of service."

Dave Cookson TC Financial Services

It has been refreshingly simple compared to lots of effort for no results with high street banks including our bankers of 7 years, who have been appalling! Strikes me that all businesses should abandon the banks in favour of this method of financing to teach them a lesson.

BH, St Albans Unsecured Business Loan

“John and the team came up trumps with an unsecured £100,000 loan for our clients when everywhere else just said ‘No’. Simple and non-arduous process for us and the clients.”

Nick Walker Focus, Oxford Unsecured Business Loan

“We had never had any problems getting finance until 2008. Then, like many others, we found ourselves with all our capital tied up in a site which we couldn’t sell and couldn’t get the finance to develop. We had a few very bad experiences in attempting to get finance, disreputable brokers – one took our administration fee, then declared himself bankrupt!

AG, Essex Development Finance and Mezzanine Loan

"Thanks for helping us out on the case of Mr & Mrs G. They have started the development. Thank you also for our proc fee. I look forward to using your services again in the future".

SW, Essex. Development Finance and Mezzanine Loan

"We have found Positive Commercial Finance to be very helpful and have assisted our clients where their needs are slightly less conventional. We would have no hesitation in recommending John and his team to any of our clients”

Andrew Eagle MD AJOB Business Finance Consultants Ltd Unsecured Business Loan

"We were delighted with the fast, efficient process in obtaining the funds we required. This was undoubtedly down to the help and expertise we had from John and his team"

GH, Worcestershire Unsecured Business Loan

"The people at Positive Commercial Finance helped when others wouldn't and they made it straight forward easy. The staff were very helpful and made the process almost a pleasure".

BB, London Unsecured Business Loan

"The guys at Positive Commercial provided the much needed quick route for our development funding and managed to secure our funding and pushed the completion through on the 28 day deadline. I found their fees reasonable and they never asked for anything up front as some brokers do ask for. They simply secured funding and it sailed through. Thank you."

TI, London Development Finance

"PCF had my business loan application approved, accepted and paid out all within a reasonable timeframe, and with minimal fuss"

RF, North West Unsecured Business Loan

"We asked Positive to help with an unsecured loan to a limited company imagining that this would be difficult to place. Imagine our delight upon receiving incredibly competitive terms with the deal completing within 4 weeks. This was a great performance and has further enhanced our relationship with our client. Sincere thanks to all at PCF".

DM, Norwich Unsecured Business Loan

"Service and support throughout the loan process were great. James assisted with all queries no matter how big or small. We approached him on a recommendation and would not hesitate to recommend to a friend in need".

DC, Bristol Unsecured Business Loan

News & Blog

5 Minute Interview with...

8th March 2016

Our director features in the Bridging Loan Directory today...

B&C Awards 2016

3rd March 2016

Once again, we'd like to ask for your support in nominating us for the Best Development Broker category at the Bridging & Commercial Awards 2016...

It’s all about the service!

22nd February 2016

We are celebrating reaching a milestone of 100 five star customer review ratings with...

Case Study: Stretched Senior Debt at 8% per annum

8th February 2016

Interesting times in the world of Development Finance as another Stretched Senior Debt deal is funded...

More development lenders to enter the market

1st February 2016

We expect further new entrants to enter a now crowded market place. Is this a good or bad thing?

Large Vs Small Developers

25th January 2016

Industry commentary from a few of the key players including our very own John Waddicker following a recent report from Begbies...