Bridging · Buy to let · Development finance

Bridging and property finance for Scottish investors. Arranged by people who borrow too.

An auction lot with 28 days to pay. A closing date that will not wait for a bank. A flat that needs work before a buy to let lender will look at it, a purchase below market value, or the refinance onto a buy to let once the work is done. Independent and tied to no lender. We search more than 200 lenders through specialist sourcing platforms, and you get an honest answer on your deal within one working day, evenings included.

Get an indicative view Run the bridge to let numbers
200+ lenders on panelProperty finance from £75kBusiness and investment finance onlyBroker, not a lender
£75k to £25m Loan sizes we can place
200+ Lenders searched
1 working day To an indicative answer
No fee The lender pays us

Straight answers. Quick decisions. No runaround.

We're a broker, not a lender, and we're not tied to any bank. When your deal is fundable, we'll tell you what it will roughly cost and how long it will take. When it isn't, we'll tell you that too, and what would make it fundable.

How it works

Send us the basics. We'll come back within one working day.

Property value or purchase price. Amount you need. What it's for. Your exit or repayment plan. One line on your situation.

That's all we need for an indicative view: is it fundable, roughly what rate and fees to expect, and how long it will take. No credit check. No obligation. No call centre. First response often lands within the hour, evenings included, and where a decision in principle is the next step we target it within 48 hours.

Send the basics
Products

What we arrange

Bridging finance

Fast, short-term funding secured on property. Auctions, refurbishment, bridge to let and development exit. From £75k.

£75k – £10m Typical range

Investment BTL and portfolio finance

Limited company and portfolio landlord lending, stress-tested properly before we ever approach a lender.

£75k – £10m Typical range

Development finance

Ground-up builds, conversions and heavy refurbs. Staged drawdowns against build costs. From £75k.

£75k – £10m+ Typical range

Commercial mortgages

Buy your premises or refinance them. From £75k, terms up to 25 years.

£75k – £25m Typical range

Business loans

Secured and unsecured funding for growth, working capital, tax bills and acquisitions.

£10k – £5m Typical range

Asset finance

Vehicles, plant, machinery, equipment and fit-out. Spread the cost, protect your cash.

£5k – £2m+ Typical range

Invoice finance

Release cash tied up in unpaid invoices and get paid for completed work faster.

£25k – £5m+ Typical range

Marine finance

Charter boats, workboats, commercial RIBs and passenger vessels. Business use only.

£25k+ Typical range

We arrange unregulated business and investment finance only. We don't offer residential mortgages or regulated consumer lending.

Hospitality

Hotels, guest houses and holiday businesses

We own and run a hotel with a bar and restaurant on the west coast, so we know how a lender reads a trading business with a strong summer and a quiet winter, and how much the going-concern valuation decides the loan.

Commercial mortgages from £75k for hotels, guest houses, holiday let businesses and holiday parks, bridging when a closing date will not wait, and asset finance for the kitchen and the kit. The detail is on our hospitality finance page.

Why 9ROK

We've sat on your side of the table

The people behind 9ROK have bought commercial property, fitted it out, borrowed against it, employed the staff and answered to the bank. We have run the kinds of business lenders lend to: a software company, a hotel with a bar and restaurant, and investment property. So when we package your deal, we present it the way a lender's credit committee needs to see it, because we know what they're actually worried about.

Most brokers have only ever brokered. We've borrowed.

One conversation reaches banks plus 200+ specialist lenders:

  • High street and commercial banks
  • Challenger banks
  • Specialist development funders
  • Bridging lenders with genuine Scottish coverage
  • Asset and equipment funders
  • Invoice finance houses
Free tools

Work the numbers before you offer

Bridge to let calculator Bridging cost calculator LBTT and ADS calculator BTL stress test Commercial mortgage calculator

Built on the arithmetic lenders actually use. No email wall; when the numbers look right, send them straight into an enquiry.

Scotland matters

Lending north of the border is different. Your broker should know why.

Missives, not exchange of contracts. Sealed bids. Standard securities, not legal charges. Conveyancing timelines that catch English lenders out. Plenty of specialist lenders don't lend in Scotland at all, and some who do won't go beyond the central belt.

Part of our job is knowing which lenders genuinely operate here, at what loan-to-value, in which postcodes. It's the difference between a decision in principle that completes and one that falls apart at legals.

Read the Scotland guide
Fees

Our fees, in plain sight

You pay us no fee. We are paid a commission by the lender when your finance completes, and we tell you the figure in writing before you commit.

Got a deal in mind? Let's find out if it's fundable.

One working day to an honest answer. No credit check to ask.

Get your indicative view