Christie Finance

What Christie Finance does

Christie Finance is a UK commercial finance intermediary, trading as RCC Business Mortgages plc (Firm Reference 709982), authorised and regulated by the Financial Conduct Authority. Founded in 1979 as part of Christie Group plc, the firm arranges commercial mortgages, bridging finance, development finance, buy-to-let mortgages, unsecured loans, asset finance, and corporate debt advisory for UK SMEs. It operates from a London headquarters and nine regional offices (Chester, Bristol, Birmingham, Manchester, Glasgow, Ipswich, Newcastle, Leeds, Nottingham), serving nine sector verticals: care homes, childcare and education, dental practices, hotels and hospitality, leisure, pharmacies, pubs, restaurants, and retail. The technology stack is intentionally lean: three public-facing online calculators (business mortgage, bridging loan, development loan) act as lead-generation and qualification tools, with no disclosed proprietary platform, API, or AI/ML components. All finance arrangements are delivered through sector-specialist consultants rather than digital self-serve channels.

The revenue model is a pure intermediary / broker model: Christie Finance earns transaction fees and commissions from a panel of lenders (high street banks, challenger banks, and specialist private funders) for arranging facilities, and is not a principal lender. Pricing is deal-based, including arrangement fees (~2% on development finance), broker fees, valuation fees, and legal fees; loan-to-value ratios typically reach 75% on bridging and 60-70% loan-to-GDV on development finance, with individual deals ranging from c.£500k to c.£17m. Customer acquisition combines direct consultant engagement, website enquiry funnels, content marketing via sector-specific news and insights, and a formal Strategic Partnerships programme with accountants, solicitors, business brokers, property agents, and group affiliates (Christie & Co, Christie Insurance, Pinders). Distribution and competitive advantage are concentrated in domain specialisation, the national consultancy footprint, and cross-referral flows within the wider Christie Group plc ecosystem.

Name

Christie Finance

Legal name

RCC Business Mortgages plc

Website

https://christiefinance.com

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

11–50 employees

Short description

Christie Finance is a UK commercial finance broker arranging commercial mortgages, bridging, development, and unsecured finance for SMEs in care, dental, hospitality, leisure, pharmacy, and retail.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Finance and Insurance (52)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Corporate Finance Advisory (Strategic Finance, Capital Structure & Recaps) (FSAEAGAE)

akta.pro secondary industries

Corporate Finance & Capital Advisory (BPAHADAB), Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE), Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)

Keywords

• Commercial mortgages
• Bridging finance
• Development finance
• Business loans
• Debt advisory

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices10 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Broker/Intermediary Fees: Christie Finance operates as an intermediary and commercial finance broker, earning commission or fees from lenders for arranging commercial mortgages, bridging finance, development finance, unsecured loans, and other financial products. The company is not a principal lender.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Christie Finance is a UK commercial finance broker (FCA-authorised, trading as RCC Business Mortgages plc) that arranges commercial mortgages, bridging finance, development finance, buy-to-let mortgages, unsecured business loans, asset finance, and corporate debt advisory for SMEs operating in specialist sectors including care homes, dental practices, pharmacies, childcare, hotels, pubs, restaurants, leisure, and retail. The firm acts as an intermediary, accessing the whole lending market on behalf of clients rather than lending its own capital.

Product overview

Christie Finance is a commercial finance broker offering a comprehensive suite of financial products and services across multiple sectors. The portfolio comprises four core product areas: (1) Commercial Mortgages with nine sector-specific sub-products covering care homes, childcare, dental practices, hotels, leisure, pharmacy, pubs, restaurants, and retail; (2) Unsecured & Asset Finance including unsecured loans, asset finance, Growth Guarantee Scheme, merchant cash advance, and revolving credit facilities; (3) Corporate Debt Advisory for strategic debt solutions; and (4) Real Estate Finance encompassing bridging finance, development finance, buy-to-let mortgages, and auction finance. Supporting these are digital tools including mortgage, bridging loan, and development loan calculators. The company operates as an FCA-authorized intermediary with over 45 years of experience in the commercial finance market.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Mortgages Bespoke commercial mortgages arranged for UK SMEs across care, childcare, dental, hotels, leisure, pharmacy, pubs, restaurants, and retail sectors, accessing the whole lending market to secure tailored finance.
• Unsecured Business Loans Quick unsecured business loans providing funding within 24 hours for SMEs, covering equipment purchase, working capital, refurbishment, expansion, tax and VAT funding, and stock finance.
• Asset Finance Flexible business asset financing that enables companies to acquire equipment on tailored repayment terms arranged via Christie Finance's lender panel.
• Corporate Debt Advisory Specialist debt advisory services for SMEs covering acquisition financing, growth capital, restructuring, development/refurbishment funding, investment finance, capital raising, and exit planning.
• Bridging Finance Short-term bridging finance secured against commercial real estate, designed to bridge funding gaps while longer-term solutions are arranged. Loans up to 75% LTV with fast completion.
• Development Finance Short-term funding for property construction, conversion, or major refurbishment projects, combining site acquisition funding with up to 100% of build costs released in stages. Funding up to £85 million.
• Buy-to-Let Mortgages Long-term investment property financing for purchasing or refinancing income-producing commercial property, with lending decisions based on rental yield and asset value.
• Auction Finance Short-term property finance for auction purchases, enabling buyers to complete within typical 28-day auction deadlines with completion typically within 5-21 days.
• Care Mortgages Specialist commercial mortgages for care home operators covering acquisitions, refinancing, and development for first-time operators and established care providers.
• Pub Mortgages Specialist commercial mortgages for purchasing or leasing pubs, including tied pub financing for new entrants and existing operators.
• Hotel Mortgages Commercial mortgage financing for hotel purchases, extensions, and upgrades arranged via Christie Finance's lender panel.
• Dental Practice Mortgages Commercial mortgages for dental practices, supporting first-time operators, practice development, and portfolio growth in the 'white coat' medical sector.
• Pharmacy Mortgages Commercial mortgage solutions for first-time pharmacy operators, existing pharmacy development, and portfolio expansion.
• Restaurant Mortgages Commercial mortgage financing for restaurant purchases and expansions.
• Childcare Mortgages Commercial mortgage services for childcare and education sector businesses, covering acquisitions, refinance, and development.
• Retail Mortgages Commercial mortgage solutions for entering the retail sector or growing existing retail businesses.
• Leisure Mortgages Commercial mortgages for the leisure sector, helping clients secure financing for leisure business acquisitions and development.
• Growth Guarantee Scheme Loan Government-backed Growth Guarantee Scheme loan support arranged by Christie Finance for qualifying UK businesses seeking funding.
• Merchant Cash Advance Flexible financing option providing businesses with funding based on future card transactions, repaid as a percentage of card sales.
• Revolving Credit Facility Flexible revolving credit facility designed specifically for pharmacies and dental practices, providing ongoing access to capital.

Quantifiable outcome

• Care home refinancing saved £100,000 through proactive deal management and term restructuring
• +3 more outcomes

Named customers9 records

Segments10 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Christie GroupcoreOthersChristie Finance is a subsidiary of Christie Group plc, a group of professional service businesses offering transaction-related professional services across the ownership cycle. The group includes Christie & Co (business agency), Christie Insurance, and Pinders (business appraisal).
• Christie InsuranceminorOthersRelated entity within Christie Group providing business insurance services. Cross-referrals between Christie Finance and Christie Insurance for shared clients in hospitality, leisure, healthcare, medical, childcare, and retail sectors.
• Christie & CominorOthersRelated entity within Christie Group providing business intelligence, agency, valuation, and consultancy services. Shared focus on hospitality, leisure, healthcare, medical, childcare, and retail sectors creates natural client referrals.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Market Financial Solutions (MFS): UK specialist bridging, development, and commercial finance lender/broker that competes head-to-head with Christie Finance in the short-term property and commercial real estate finance segment. MFS matches Christie Finance's product breadth in bridging, BTL, and development finance for UK SME and property investors.
• Together Money: UK specialist lender offering commercial, bridging, development, and asset finance to SMEs and property professionals. Directly comparable to Christie Finance's specialist commercial mortgage and bridging offering across similar customer profiles.
• Shawbrook Bank: UK challenger specialist bank focused on commercial mortgages, bridging, development, and BTL for SMEs and property investors. Shawbrook serves as both a competitor and a lender partner in Christie Finance's broker panel.
• United Trust Bank: UK specialist challenger bank with a strong commercial, bridging, development, and asset finance franchise serving intermediaries and direct borrowers. Highly comparable specialist finance product set and intermediary-led model.
• LendInvest: UK specialist property finance platform offering bridging, development, and BTL products to professional property investors and intermediaries. Overlaps with Christie Finance's real estate bridging/development/auction finance segments.
• Allica Bank: UK challenger bank serving SMEs and professional landlords with commercial and BTL mortgages, bridging, and asset finance. Competes for the same SMEs and property-backed borrowers that Christie Finance arranges finance for.
• Hampshire Trust Bank: UK specialist bank offering commercial, bridging, development, and specialist property finance through both direct and intermediary channels. Comparable product set and customer base to Christie Finance's commercial and real estate segments.
• Finanta Finance: UK specialist bridging, development, and commercial finance broker/funder serving property professionals and SMEs. Directly comparable to Christie Finance's real estate bridging, development, and commercial mortgage offering.
• Assetz Capital: UK specialist SME and property finance provider offering bridging, development, and commercial mortgages via direct and intermediary channels. Comparable specialist finance focus and target SME/property customers.

Broad incumbents

• Arbuthnot Latham: UK private and commercial bank providing commercial mortgages and structured finance to SMEs and high-net-worth clients, including in property and care sectors. A broader incumbent that touches Christie Finance's commercial mortgage space but with a wider portfolio of banking services.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Christie Finance