Our Services

Charles Street Finance

Our Services2025-06-25T16:41:58+01:00

CHARLES STREET FINANCE

A relationship you can bank on!

At Charles Street Finance, we provide fast, flexible funding for property and business needs – built on trust, speed, and real relationships.

From bridging and development finance to bespoke short-term lending, we deliver tailored solutions when timing matters most.

offer acceptance rate
96%

Our flexible approach and clear criteria mean we say “yes” more often—helping clients move forward with confidence.

Loan amount to date
£500m

A proven track record of delivering fast, reliable funding across a wide range of property and business finance deals.

Average days for completion
8 days

Streamlined processes and responsive decision-making mean we complete deals quickly—when timing matters most.

“Self-financed, we can look at each case individually and make decisions fast!”

Call us 0161 333 1981

Managing Director

Jonathan Sally

with you every step of the way

From application to drawdown

  • STEP 1
Initial enquiry

Complete a quick online form or speak to one of our business lending specialists.

  • STEP 2
Indicative Term Sheet

We’ll provide terms within 24 hours and work with you to structure the loan to suit your business.

  • STEP 3
Instruct solicitors & valuations

We carry out property or asset valuations and legal checks

  • STEP 4
Drawdown

Funds can be released in as little as 5–10 working days from agreement.

CHARLES STREET FINANCE

Borrower FAQ’s

When could a residential bridging loan be used?2025-06-11T11:46:22+01:00

A bridging loan can support cases like:

  • Purchases from auction with fast completion
  • Planning gain/change of use to enhance property value
  • Mortgage chain break to progress before sale
  • Probate release on inherited property
  • Renovation financing to boost rental returns
  • Purchase at a discount to capture opportunities 
Is all commercial bridging non‑regulated?2025-06-11T11:45:20+01:00

Yes. Currently, commercial bridging finance—including for investment, buy‑to‑let, or commercial properties—is non‑regulated and not protected by the FCA .

When should commercial bridging be used?2025-06-11T11:44:57+01:00

Ideal for offices, retail units, industrial premises—or complex or large residential properties—where permanent funding is pending .

What is a bridging loan?2025-06-11T11:34:27+01:00

These loans—also called bridge financing—are short‑term funding used until permanent finance is secured or an existing obligation is cleared. They typically run for up to one or two years and are often used in real estate .

What are your minimum and maximum loan amounts?2025-06-11T11:39:59+01:00

Charles Street Finance provides loans from £75,000 up to £3 million, with larger loans considered by referral.

How much do you charge for additional borrowing?2025-06-11T11:47:45+01:00
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