Manchester · Development finance
Development financein Manchester for your next scheme
Ground-up builds, heavy refurbishment, conversions and development exit facilities across Manchester and the North West.
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.
Development Finance in Manchester
Development finance funds a scheme in stages rather than in one lump. A lender advances part of the land purchase up front, then releases build costs against monitoring surveyor sign-offs as the project progresses in Manchester — so you only pay interest on what you have drawn.
We fund ground-up residential and commercial schemes, heavy refurbishment, permitted development and office-to-residential conversions, and development exit facilities that refinance a completed scheme while units are sold. Sites range across Manchester city centre, Spinningfields, Ancoats and the Northern Quarter, Salford Quays, Trafford Park, Stockport, Bolton and Bury and Cheshire.
Lenders will look at your gross development value, total costs, planning status, contractor and your track record. If this is your first scheme it is still fundable, usually with a strong main contractor and a slightly lower loan to cost. Send us the appraisal and we will tell you quickly and plainly whether the numbers work in the current Manchester market.
Other finance we arrange
Buy-to-let finance in Manchester
Limited company BTL, portfolio, HMO, MUFB and holiday-let mortgages.
Bridging finance in Manchester
Fast auction, chain-break, refurbishment and refinance bridges — completions in days.
Business finance in Manchester
Business loans, working capital, invoice, asset and cashflow facilities.
Development finance elsewhere
Development Finance: common questions
- How much of a scheme will development finance cover?
- Typically up to around 70 per cent of gross development value, or 80 to 90 per cent of total costs, with the balance covered by your equity in the land or cash contribution.
- Do I need full planning permission first?
- For a build facility, yes — lenders want detailed consent in place. Land with outline consent or a pending application can often be funded with a bridge until permission is granted.
- What is development exit finance?
- It replaces your development loan once the scheme is practically complete, usually at a lower rate, giving you breathing room to sell units or arrange long-term refinance without pressure from the original facility expiring.
Where we work
Manchester and the North West
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.