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 200+ lenders, and an honest answer on your deal within one working day.

200+ lenders on panelProperty finance from £100kBusiness and investment finance onlyBroker, not a lender
Up to £25m Deal size
200+ Lenders on panel
40 years Combined business 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. 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

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 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
In progress

Deals we're structuring right now

£850k Commercial mortgage · Hospitality · West Coast Trading hotel purchase, packaging accounts for lender presentation
£340k Bridging · Property · Glasgow Closing-date purchase, terms requested from three lenders
£120k Asset finance · Hospitality · Argyll Commercial kitchen and fit-out, quotes in from two funders
£475k Limited company BTL · Property · Highlands Holiday let portfolio refinance, stress-testing rental cover
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

In most cases you pay us nothing: we're paid a commission by the lender, and we'll disclose what we receive on your deal before you commit to anything. On complex cases that need heavy packaging we may agree a processing fee of £300 to £400, always up front, never a surprise. No fee for the indicative view, ever.

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.