Commercial · Bridging · Development finance

Commercial finance for Scottish business. Arranged by people who've actually run one.

Property finance from £100k, plus business funding of every kind. Whole-of-market access to [40]+ lenders, and an honest answer on your deal within one working day.

NACFB Member[40]+ lenders on panelProperty finance from £100kBusiness and investment finance only
£[X]m+ Arranged
[40]+ Lenders on panel
[25]+ years Combined experience
1 working day To an indicative answer

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.

Send the basics
Products

What we arrange

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

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've run the businesses lenders lend to: [software, hospitality, 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 [40]+ 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
Recent deals

Deals like yours

£[X]k Commercial mortgage · Hospitality · Argyll Hotel purchase, completed in [X] weeks
£[X]k Bridging · Property · Glasgow Auction purchase, 28-day deadline, funded on day [X]
£[X]k Asset finance · Hospitality · Highlands Kitchen fit-out, approved in [X] hours
£[X]k Invoice finance · Engineering · Central Belt Invoice finance facility for an engineering firm
£[X]k Limited company BTL · Property · Glasgow Remortgage for a portfolio landlord
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
Clients

What borrowers say

[Straight answers within a day, and the deal completed when two other brokers had given up on our postcode.]
[Client name] [Hotel owner], [Isle of Mull]
[They stress-tested our numbers before the lender did. The figure they quoted is the figure we completed at.]
[Client name] [Portfolio landlord], [Glasgow]
Fees

Our fee, in plain sight

We typically charge [1%] of the loan amount, payable only when your funding completes. No upfront fees, no fee if we don't deliver. We're also paid a commission by lenders, and we'll disclose what we receive on your deal before you commit to anything.

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.