Birmingham · Commercial finance broker
Commercial financefor business and property
A straightforward way to navigate commercial property and business finance across Birmingham and the Midlands.
Commercial property. Business funding. One clear route forward.
What we’ll cover
Finance built around your ambition.
From property purchases and development to working capital and acquisitions, Four will connect businesses with a broad range of funding options.
Commercial finance arranged around your deal
Four Commercial Finance is a whole-of-market commercial finance broker working with businesses, landlords, developers and investors across Birmingham and the Midlands. We arrange unregulated commercial funding only — property and business lending — and we do it by matching your case to the lenders most likely to say yes on sensible terms.
Birmingham offers a manufacturing, distribution and professional services heartland, with heavy demand for industrial units, trade counters, city-centre offices and student and co-living schemes. That local picture shapes what lenders will support, how they value security and how fast they can move, which is why generic comparison sites so often produce a rate you cannot actually get.
We work with clients throughout Birmingham city centre, Colmore Business District, Digbeth, Solihull, the Black Country, Coventry, Wolverhampton and Warwickshire. Whether you need a commercial mortgage on trading premises, a bridge to hit an auction deadline, staged development funding, or working capital to smooth cashflow, we set out the realistic options in plain language before you commit to anything.
Finance we arrange
Buy-to-let finance in Birmingham
Limited company BTL, portfolio, HMO, MUFB and holiday-let mortgages.
Bridging finance in Birmingham
Fast auction, chain-break, refurbishment and refinance bridges — completions in days.
Business finance in Birmingham
Business loans, working capital, invoice, asset and cashflow facilities.
Development finance in Birmingham
Ground-up build, heavy refurbishment, conversion and development exit funding.
We also work across
Commercial finance: common questions
- How fast can bridging finance complete in Birmingham?
- Bridging is our fastest product. Indicative terms come back the same day and funds can be released in as little as 48 to 72 hours on a clean case, with most completions inside five to ten working days.
- Do you charge a fee for arranging finance?
- Any fee is agreed in writing before you commit and is always explained up front. Many cases are paid by lender commission, and we tell you which applies to yours from the outset.
- Do we need to meet face to face?
- Most cases run by phone, email and video, wherever you are. If a site visit or face-to-face meeting helps a complex deal, we will arrange one.
- What type of finance do you arrange?
- Unregulated commercial finance only: commercial mortgages, bridging, development finance, buy-to-let, business loans, working capital, invoice, asset and acquisition finance. We do not advise on regulated residential mortgages.
- How quickly can funding be in place?
- Bridging can complete in a couple of weeks, business loans and asset finance often within days, and term commercial mortgages typically take six to twelve weeks depending on valuation and legals.
Where we work
Birmingham and the Midlands
Head office
Bristol & Bath Science Park
Dirac Cres, Bristol BS16 7FR
United Kingdom
Professional standards
Why We Are NACFB Members
As a National Association of Commercial Finance Brokers (NACFB) member, our firm operates at the highest professional standards in the UK commercial lending market. Membership is more than just a badge; it is our commitment to providing you with expert, transparent, and compliant financial solutions.