Commercial Finance Brokers UK LTD

What Commercial Finance Brokers UK LTD does

Commercial Finance Brokers UK LTD (CFB UK) is a privately held, FCA-authorised (number 736199) whole-of-market commercial finance brokerage headquartered in Woodbridge, Suffolk, with 13 employees. The company operates as an intermediary between UK borrowers and a panel of over 250 lenders, arranging commercial mortgages, investment property finance, bridging finance, property development finance, and specialist lending for foreign nationals and expatriates. CFB UK's distribution is built around two external channels — an Introducer programme (offering up to 50% fee share to referring professionals including residential mortgage brokers, accountants, and solicitors) and an Appointed Representative (AR) network of brokers operating under CFB UK's FCA registration and NACFB membership across 25+ UK regions — alongside direct client origination via phone, email, and an online enquiry form. Revenue is generated through three transaction-based streams: a standard 1% client arrangement fee (success-only, negotiable on larger loans), lender commissions from the whole-of-market panel, and tiered AR network fees ranging from 5% to 18% of broker revenue plus a 0.02% loan-amount retention by the principal.

The company's core technology is not disclosed and no proprietary platform features, APIs, or AI capabilities are referenced in the source data. Operational differentiation rests on 30+ years of underwriting experience, 20+ years of cultivated lender relationships, regulatory standing (NACFB Full Membership, FIBA membership, ICO registration), and industry award recognition. Management is led by Karl Mallett (Managing Director) and Mariyana Mallett (Head of Finance), with Richard Darlington as Head of Compliance, Kevin Macleod as Commercial Director, and a broader team covering training, relationship management, and broking. The company is privately held with no disclosed parent, institutional investors, subsidiaries, funding rounds, or acquisition history, and no explicit founding date is on record.

Name

Commercial Finance Brokers UK LTD

Legal name

Commercial Finance Brokers UK Limited

Website

https://cfbuk.org

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Commercial Finance Brokers UK LTD (CFB UK) is an FCA-authorised whole-of-market commercial finance brokerage connecting UK businesses, property investors, and developers with over 250 lenders via a 1% success-based client fee model.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

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

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industries

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK), Construction & Development (C&D) Lending — Commercial/Multifamily (FSALADAH)

Keywords

• Commercial finance brokerage
• Whole-of-market broker
• Commercial mortgages
• Property development finance
• Bridging finance solutions

Headquarters

HQ city

Woodbridge

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Client Arrangement Fees: CFB UK charges clients a success-based arrangement fee, typically 1% of the loan amount. This fee is only charged if the client accepts a credit committee-backed finance facility. For larger loan amounts, the fee is negotiable. No upfront fees are charged.
2. Lender Commissions: CFB UK works with the whole of market and may earn a commission from lenders. The company states that lender options are driven by lender capability to achieve client objectives, not by commission amounts paid. Commissions vary between lenders.
3. AR Network Fees: Appointed Representative firms pay network fees to CFB UK based on a tiered deduction structure: 5% for £21,000+ per month, 8% for £8,333-£20,999, 13% for £4,166-£8,332, and 18% for less than £4,166. Additionally, the Principal retains 2 basis points (0.02%) of the loan amount.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Commercial Finance Brokers UK LTD (CFB UK) is a whole-of-market commercial finance brokerage that acts as an intermediary between UK businesses, property investors, and developers seeking commercial or business finance and a panel of over 250 UK lenders. The company arranges commercial mortgages, investment property finance, bridging/short-term finance, property development finance, and specialist foreign national/expat investment property finance, charging clients a success-only arrangement fee.

Product overview

Commercial Finance Brokers UK LTD (CFB UK) operates as a whole-of-market commercial finance brokerage offering five core product lines: Investment Property Finance, Short Term/Bridging Finance, Property Development Finance, Owner Occupier Commercial Mortgages, and Foreign Nationals/Ex-Pats Investment Property Finance. The company acts as an intermediary between clients seeking commercial and business finance and lenders across the UK market, accessing over 250 lenders to match clients with suitable financing solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Property Finance Finance solutions for clients purchasing investment properties in the UK, covering both residential and commercial investment property, with innovative and bespoke structuring tailored to the investor's objectives.
• Short Term / Bridging Finance

Quantifiable outcome

• 30+ years of successful client matches with appropriate finance types
• +2 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and key.

• National Association of Commercial Finance Brokers (NACFB)coreOthersCFB UK is a Full Member of the NACFB, adopting their strict Code of Practice and Minimum Standards. NACFB membership can be verified by contacting the association. The NACFB defines the commercial mortgage sector as a non-regulated activity as defined by the FCA.
• Financial Conduct Authority (FCA)coreOthersCFB UK is authorised and regulated by the FCA with FCA number 736199. CFB UK is a credit broker, not a lender, and works with the whole of market. FCA regulation ensures consumer protection and market integrity.
• FIBAcoreOthersCFB UK is a member of FIBA (Finance Brokers Association), demonstrating commitment to industry standards and professional practices in the commercial finance sector.
• 250+ UK LenderscoreChannel Partner/ Reseller/ DistributorAs a whole-of-market broker, CFB UK has established strong relationships with over 250 lenders operating in the UK over the past 20+ years. These lender relationships enable CFB UK to source the best facility for clients from across the entire market.
• Largest UK NetworkskeyStrategic or Co-development PartnerCFB UK is the approved provider of services to some of the largest networks in the UK, enabling wide distribution through network partnerships.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Rangewell: UK commercial finance brokerage and comparison platform matching SMEs and property professionals with lenders across commercial mortgages, development finance and bridging. Comparable in product scope, target segments and whole-of-market positioning.
• SPF Private Clients: UK whole-of-market broker offering commercial mortgages, bridging and development finance alongside residential and buy-to-let. Comparable product breadth and intermediation model, with similar focus on client fees rather than lender commission.
• ABC Finance: UK-based commercial finance broker arranging commercial mortgages, business loans and property finance through a panel of lenders. Operates with a similar intermediation model and client-fee structure for owner-occupiers, investors and developers.
• Commercial First: UK commercial mortgage broker focused on commercial property finance for investors, developers and business owners. Direct peer with overlapping product lines (investment, development and bridging finance) and FCA-regulated credit brokerage.
• Vantage Finance: UK whole-of-market commercial finance broker arranging commercial mortgages, bridging and development finance for SMEs and property investors. Direct peer with similar product mix, lender-panel model and FCA-regulated credit broker status.
• Pure Commercial Finance: UK commercial finance broker arranging commercial mortgages, development finance and bridging through a panel of lenders. Comparable target market (SMEs, property investors, developers) and intermediary business model.

Emerging players

• Habito: UK digital mortgage broker using technology to deliver mortgage decisions and broker services online. While primarily residential, Habito's technology-led model signals the broader direction of intermediation disruption relevant to commercial brokers.

Broad incumbents

• LendInvest: UK-based specialist property finance platform offering bridging, development and buy-to-let mortgages with technology-led origination. Operates more as a lender/platform but competes for the same borrowers and introducers in the development and bridging finance market.
• Aldermore Bank: UK challenger bank active in commercial mortgages, asset finance and development lending. Operates as a lender counterparty for brokers like CFB UK while also serving end clients directly, representing the incumbent side of the panel.
• Shawbrook Bank: UK specialist challenger bank active in commercial mortgages, bridging and development finance. Functions as a lender that brokers (including CFB UK) place deals with, but also competes for the same end clients via direct channels.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/commercial-finance-brokers-uk

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Commercial Finance Brokers UK LTD