CORNERSTONE COMMERCIAL FINANCE
Whole‑of‑Market Access | Bespoke Solutions | Nationwide Coverage
RELATIONSHIP-LED, COMMERCIAL AND PROPERTY FINANCE SOLUTIONS.
OUR APPROACH
Cornerstone Commercial Finance is a specialist commercial and property finance brokerage providing tailored funding solutions to businesses, developers, investors, and professional introducers across England, Wales, and Scotland. Our approach is relationship‑led, built around long‑term partnerships, commercial expertise, and consistent delivery. We focus on structuring finance solutions that work for our clients today, while supporting their ambitions for tomorrow. As part of the wider Cornerstone Finance Group, our Commercial Team benefits from the scale, infrastructure, and shared expertise of a nationally recognised financial services business, offering personal mortgages, protection, and a full suite of financial solutions.
RELATIONSHIP‑FOCUSED, NOT TRANSACTIONAL
BESPOKE STRUCTURING FOR COMPLEX SCENARIOS
PROVEN TRACK RECORD WITH REPEAT CLIENTS AND INTRODUCERS
ACCESS TO BOTH MAINSTREAM AND SPECIALIST LENDERS
OUR PEOPLE & MARKET ACCESS DECADES OF COMMERCIAL FINANCE EXPERTISE Our Commercial Team brings together over 485 years of combined commercial finance experience, led by 26 dedicated Commercial Managers. This depth of knowledge enables us to deliver certainty, speed, and strong outcomes across both straightforward and complex transactions.
FUNDING OPTIONS WITHOUT LIMITS Whole‑of‑market access includes High Street banks, challenger banks, specialist and private lenders, and short‑term, bridging, and development finance providers. We hold exclusive packager and premier partner status with lenders, giving our clients better access to the market, higher procuration fees, and preferential rates and fees.
SOME OF OUR SUCCESS STORIES. 100% ACQUISITION FUNDING FOR MULTI‑LET COMMERCIAL COMPLEX Our client purchased a mixed-use commercial complex comprising three separate multi-let blocks, including a former mill, several single-storey industrial units, and a two-storey mixed-use industrial and office block. The units were valued at £5.23m and generated an annual income of £415k. The contribution was raised by releasing equity from an unencumbered commercial investment property - four industrial units valued at £3.25m.
We secured 100% finance (£5.4m) to enable the purchase, via a facility at 65% of the combined market values, with a 5‑year fixed-rate option.
SUCCESS STORIES
UNLOCKING RESIDENTIAL EQUITY TO FUND DEVELOPMENT GROWTH Our client was a successful property developer seeking to raise funds against his private residence to take on larger development projects. The private residence was valued at £700k, with a £250k first legal mortgage. The immediate need was the purchase of a dilapidated house at £200k with development costs estimated at £220k (to convert it into four flats). The end value of the extended and renovated property was £625k. The client raised a £200k secured revolving line of credit, allowing them to borrow against the available equity in their home on a second‑charge basis, providing access to funds as needed.
PRODUCTS £200K
£250K
HELOC facility over 21 years at 0.88% interest per month
Heavy refurbishment bridging loan
The exit strategy, once refurbishment was complete, was a 4x BTL remortgage totaling £468.75k, repaying all finance raised, with the HELOC remaining in place for future projects.
SUCCESS STORIES
OWNERSHIP TRANSITION FUNDING THE SITUATION A well‑established medical supply business with annual turnover of approximately £9m was undergoing a significant ownership transition. A minority shareholder had the opportunity to acquire a controlling interest, following the majority shareholder’s decision to exit the business. Completion of the transaction required £1.5m in funding within a defined timeframe.
THE CHALLENGES The business was operating at a loss, restricting access to conventional funding solutions
A strict two‑month completion deadline was imposed by the exiting shareholder
The transaction needed to be delivered efficiently, with no disruption to ongoing operations
THE APPROACH Following a detailed assessment of the company’s financial position and asset base, we identified Invoice Discounting as the most appropriate funding solution. This enabled the business to leverage value from its receivables to support the transaction within the required timeframe.
THE OUTCOME A £1.5m Invoice Discounting facility was secured and delivered ahead of deadline, enabling completion of the transaction. The minority shareholder successfully acquired a controlling stake and assumed full ownership of the business.
COMMITMENT TO OUR CLIENTS FCA REGULATED AND NACFB ASSURED STATUS At Cornerstone Commercial Finance, we are committed to being a trusted partner for businesses seeking commercial finance solutions. In addition to holding FCAregulated status, we have also achieved NACFB Assured status. These respected accreditations reinforce our dedication to transparency, professionalism, and exceptional client service. The National Association of Commercial Finance Brokers (NACFB) represents commercial finance brokers across the UK. Its Assured status is a benchmark of excellence, awarded only to firms that demonstrate the highest levels of professionalism, ethical conduct, regulatory compliance, and client first service.
“These accreditations reflect our unwavering commitment to delivering high quality, clientfocused commercial finance services. Every business is unique and we are dedicated to helping clients secure the right funding. Also, our recognition at the NACFB Commercial Broker Awards 2026, where we were highly commended in both the Commercial Mortgage Broker of the Year and Intermediary Excellence categories, is testament to the hard work, expertise and commitment of our team, and the strong relationships we build with clients, advisers and lending partners.” Kevin Morgan Managing Director Cornerstone Commercial Finance
INTERESTED IN BECOMING AN INTRODUCER? REFERRAL PROCESS There is no need to complete a full fact find, simply provide us with a name and contact details and we will take it from there. Dependent upon your preference, you may stay involved as much or as little as you’d like.
REPEAT BUSINESS If you’ve introduced a lead to Cornerstone previously, you will receive payaway on all returning business should the client wish to transact with us again.
GET IN TOUCH 02921 660 550 (option 1) info@cornerstonecommercialfinance.co.uk
SPECIALIST FUNDING, ACROSS EVERY SECTOR. BUSINESS FINANCE SOLUTIONS – Secured Loans
– Invoice Finance – Acquisition Finance
– Unsecured Loans – Asset Finance
PROPERTY FINANCE SOLUTIONS – Commercial Mortgages
– Development Finance
– Bridging Finance
– Investment Finance
PARTNERSHIP IN PRACTICE All reviews from Feefo
“CORNERSTONE DEMONSTRATED REMARKABLE PROFESSIONALISM AND PERSISTENCE IN IDENTIFYING A SUITABLE LENDER.”
All reviews from Feefo
“THIS WASN’T OUR FIRST TIME WORKING WITH CORNERSTONE, AND ONCE AGAIN, THEY DELIVERED EXACTLY WHAT WE NEEDED.”
All reviews from Feefo
“I RECENTLY HAD THE PLEASURE OF WORKING WITH CORNERSTONE, AND I COULDN’T BE MORE IMPRESSED WITH THE LEVEL OF SERVICE I RECEIVED. FROM START TO FINISH, EVERYTHING WAS HANDLED WITH PROFESSIONALISM, TRANSPARENCY, AND GENUINE CARE.”
MEET OUR COMMERCIAL TEAM HEAD OFFICE
Tom Apjohn-Williams Hilary Foster Commercial Manager Customer Service Manager
Ben Gauci Commercial Manager
Leyton Lee Commercial Support Officer
Kevin Morgan Managing Director, Cornerstone Commercial Finance
Sharon Preddy Customer Service Manager
Jamie Ringer Sales Director
Loui O’Brien Commercial Manager
Jon Roberts Head of Real Estate
Jake Thomas Rhys Williams Commercial Manager Head of Corporate Finance
REGISTERED INDIVIDUALS We also have a growing network of Registered Individuals across the country. Scan the QR code below to meet the wider team.
02921 660 550 www.cornerstonecommercialfinance.co.uk info@cornerstonecommercialfinance.co.uk Cornerstone Commercial Finance is a trading style of Cornerstone Finance Group Ltd, registered in England & Wales No. 08458702. Cornerstone Finance Group Ltd is authorised and regulated by the Financial Conduct Authority No. 767202. Proud member of NACFB (23963). Registered with the ICO (ZA164343).