Who We Help: Property Investors & Business Owners Across Scotland
Capital 8 Finance is a Dundee-based commercial finance broker helping property investors and business owners across Scotland secure tailored funding solutions. Whether you need bridging finance for your next property investment, a commercial mortgage for business premises, or development finance for refurbishment projects, we provide expert guidance and access to high street banks, challenger banks and specialist lenders throughout the UK.
From Edinburgh to Glasgow, Aberdeen to Inverness, we work with clients across Scotland who need more than what high street banks can offer. With access to 100+ specialist lenders, we find funding solutions that work—even when others have said no.
Property Investors & Developers
As a commercial finance broker based in Scotland, we specialise in helping property investors in Scotland, England and Wales grow and manage their portfolios. Whether you’re buying your first buy-to-let or expanding a commercial property portfolio, we shall find the right funding solution for your investment strategy.
Buy-to-Let Property Investors
If you’re building a residential property portfolio, we can help you secure buy-to-let mortgages that match your investment goals. I work with BTL investors across Scotland—from single property landlords to portfolio landlords with multiple properties.
What we can help with:
- Single buy-to-let purchases
- Portfolio expansion and refinancing
- HMO (Houses in Multiple Occupation) mortgages
- Limited company BTL structures
- Portfolio landlord mortgages
- Specialist BTL for complex income situations
Typical loan terms:
- Loan sizes: £50k to £5m+
- LTV available: Up to 75%
- Rates from: 3.5-8% (depending on profile and lender)
- Terms: Up to 25 years
Property Developers & Refurbishment Projects
Property development requires fast, flexible funding. At Capital 8 Finance, we arrange development finance for refurbishment projects, conversions, new builds, and ground-up developments across Scotland, England and Wales.
What We can help with:
- Heavy refurbishment and conversion
- New build developments
- Ground-up construction
- Site acquisition and development
- Exit finance to long-term mortgages
Typical loan terms:
- Loan sizes: £100k to £5m+
- LTV available: Up to 70% of GDV (Gross Development Value)
- Rates from: 0.75-1.5% per month
- Terms: 12-24 months
Bridging Finance for Unmortgageable Properties
Need to move fast on a property purchase? Bridging finance provides short-term funding for auction purchases, unmortgageable properties, or when you need to complete quickly before securing long-term finance.
What we can help with:
- Light refurbishment projects
- Auction property purchases
- Unmortgageable properties needing work
- Chain breaks and fast completions
- Property purchases before refinancing
- Bridging to commercial mortgage
- Regulated bridging for residential properties
Typical loan terms:
- Loan sizes: £50k to £5m+
- LTV available: Up to 75% (often based on 180-day value)
- Rates from: 0.5-1.5% per month
- Terms: 1-24 months
Why Property Investors Choose Capital 8 Finance
✓ Access to 100+ specialist lenders – We are not tied to one panel, so we find the best rates and terms for your situation
✓ Fast turnaround times – Bridging finance in 2-4 weeks, BTL mortgages in 3-4 months, commercial mortgages in 3-6 months
✓ Complex case specialists – Poor credit? Unusual property? Complex income? We work with lenders who look at the full picture
✓ No upfront fees – We only get paid when your loan completes (1% broker fee on completion)
✓ Transparent timelines – We will tell you exactly what to expect and keep you updated throughout
Ready to grow your portfolio? Book a free consultation or call me on 07746 937 796 to discuss your next property investment
Business Owners & Entrepreneurs
Owner-Occupier Commercial Property Finance
If you’re a business owner looking to purchase your business premises, we can arrange commercial mortgages for owner-occupier properties across Scotland, England and Wales. Owning your premises gives you stability, builds equity, and can be more cost-effective than renting long-term.
What we can help with:
- Purchasing business premises (offices, retail units, warehouses, workshops)
- Refinancing existing commercial mortgages
- Raising capital against owned premises
- Semi-commercial properties (mixed-use)
- Specialist properties and unique business models
Typical loan terms:
- Loan sizes: £50k to £5m+
- LTV available: 60-75%
- Deposit required: 25-40%
- Rates from: 5-9%
- Terms: Up to 25 years
Multi-Industry Business Funding Solutions
We have arranged property finance across Scotland, England and Wales for businesses in dozens of industries. Whatever sector you’re in, We understand the funding challenges you face and have access to lenders who specialise in your industry.
We also arrange business loans, invoice finance, and asset finance to support your cashflow and growth—making Capital 8 Finance a true one-stop shop for business funding.
Businesses with Complex Financial Situations
I’ve been on both sides of the desk. Before becoming a commercial mortgage broker Scotland, I ran a family hospitality business for years. I know what it’s like to be rejected by banks, to have seasonal cashflow, to need funding when your accounts don’t fit the high street bank’s tick-box criteria.
That experience shapes how I work today. I listen first, understand your business, and find lenders who focus on your strengths—not just your credit score.
Common scenarios I’ve solved:
- Bank rejections due to credit history
- Seasonal or fluctuating cashflow
- New businesses with limited trading history
- Unusual or non-standard properties
- Complex income structures (multiple businesses, part-time income)
- Businesses needing to move fast
Want to own your business premises? Get in touch to discuss how I can help you secure the funding you need.
Industries We Serve in Scotland
Hospitality & Retail
We have worked extensively with hospitality and retail businesses across Scotland, helping them secure funding for premises purchases, refurbishments, and business growth.
Industries include: Restaurants, cafes, takeaways, pubs, hotels, retail shops, beauticians, hairdressers, gyms, leisure facilities
Healthcare & Professional Services
Professional service businesses often have strong fundamentals but complex income structures. We work with lenders who understand your sector and can assess applications based on your business model.
Industries include: Dentists, pharmacies, opticians, veterinary practices, accountants, solicitors, consultancies, offices, co-working spaces
Construction & Trade Businesses
Trade and construction businesses need premises for workshops, storage, and operations. We arrange commercial property finance for businesses needing functional premises that support their operations.
Industries include: Builders, plumbers, electricians, joiners, garages, bodyshops, engineering firms, manufacturing, warehousing
Why Scotland’s Property Professionals Choose Capital 8 Finance
Experience That Understands Your Challenges
With many years in finance and prior experience running a family business, I understand the challenges business owners and property investors face when seeking funding. I’ve experienced bank rejections, seasonal cashflow pressures, and the frustration of being told “no” when you know your business or investment is sound.
That’s why I approach every case individually. I listen to your story, understand your goals, and find lenders who will look at the full picture—not just a credit score.
Access to Specialist Lenders Across the UK
As an independent buy to let mortgage broker Scotland and commercial finance specialist, We are not tied to one lender panel. We have access to 100+ specialist lenders across the UK, including:
- High street banks
- Challenger banks
- Specialist commercial lenders
- Bridging finance providers
- Development finance lenders
- Private lenders for complex cases
This means we can find competitive rates for straightforward cases and creative solutions for complex situations.
One-Stop Shop for Business & Residential Finance
Unlike many brokers who specialise in just one area, we offer a complete range of funding solutions:
Property Finance:
Business Finance:
Residential Mortgages:
This means if you’re a business owner who also needs a residential mortgage, or a property investor who needs business funding, we can handle everything under one roof.
How We Help Clients Across Scotland (Dundee, Edinburgh, Glasgow & Beyond)
Based in Dundee, we serve property investors and business owners throughout Scotland, England, and Wales. While we are based in Scotland and understand the Scottish commercial property market, our lender panel and expertise extend across the entire UK.
Areas we serve include:
- Dundee and Tayside
- Edinburgh and the Lothians
- Glasgow and the West of Scotland
- Aberdeen and Aberdeenshire
- Perth and Kinross
- Inverness and the Highlands
- Plus England and Wales
Whether you’re investing in Edinburgh’s thriving BTL market, purchasing commercial premises in Glasgow, or developing property in Aberdeen, we provide the same expert service and access to specialist lenders.
What You Can Expect When Working With Me
Fast Response Times:
- Initial consultation within 24 hours
- Lender feedback within 48 hours of submitting overview
- Clear timelines at every stage
Transparent Process:
- No hidden fees or surprises
- Clear explanation of costs, rates, and terms
- Regular updates throughout the application
No Upfront Fees:
- Free initial consultation
- We only get paid when your loan completes
- 1% broker fee (e.g., £1,000 on a £100k loan)
Typical Timelines:
- Bridging Finance: 2-4 weeks (faster if urgent)
- Business Loans: 2-4 weeks
- Asset Finance: 1-2 weeks
- Buy-to-Let Mortgages: 3-4 months
- Commercial Mortgages: 3-6 months
Ready to Get Started?
Whether you’re a property investor looking to grow your portfolio, a business owner ready to purchase your premises, or you’ve been rejected elsewhere and need a specialist approach, we are here to help.
Get a Free Portfolio Finance Review – We’ll review your situation and show you exactly what funding options are available
Contact Capital8 Finance:
Been rejected by your bank? Let’s find another way. With access to 100+ specialist lenders and years of finance experience, we find solutions where others see obstacles.
