Close detail of a commercial loan agreement on a boardroom table, a hand resting near a signature line, natural daylight through tall institutional windows casting cool even light across the document pages, shallow depth of field, ink pen visible at the edge of frame
Close detail of a commercial loan agreement on a boardroom table, a hand resting near a signature line, natural daylight through tall institutional windows casting cool even light across the document pages, shallow depth of field, ink pen visible at the edge of frame
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— Unregulated Commercial Finance Brokerage, UK

Direct access to capital. No personal guarantee. No second charge.

Northmere sources unregulated commercial finance for UK businesses — invoice finance, trade finance, business loans, acquisition debt, and asset-backed facilities. No personal guarantees. No second charges. Direct lender relationships, not a panel submission.

/ Embedded Lender Relationships

Not a marketplace. A direct operator.

1. No personal guarantee · No second charge
2. Non-bank lenders your bank has never mentioned
3. One broker. One submission. Full lender context.

Northmere sources unregulated commercial finance only. We do not place mortgages, bridging loans, or regulated consumer products. Every structure we source is designed to avoid personal liability — no personal guarantee, no charge over your home.

From initial enquiry to term sheet, one broker manages the file. Your application arrives at the right lender desk, prepared to the standard that gets deals approved.

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Finance Structures We Source

The right structure for your funding requirement

Invoice Financing

Release cash tied up in unpaid invoices — typically within 24–48 hours. No personal guarantee required.

Bridge the gap between paying suppliers and receiving buyer payment — across borders. Letters of credit, import/export, supply chain. No second charge.

Acquisition Finance

Business Loans

Trade Financing

Senior and mezzanine debt for business acquisitions and MBOs. Structured to move at the pace of your transaction.

Unsecured commercial lending for working capital, growth, or operational needs. Structured around your business, not your personal balance sheet.

Borrow against equipment, plant, machinery, or your receivables book — without touching existing banking facilities and without a second charge on property.

Asset Financing

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Properly managed deals. From the initial call to the term sheet.

We work with UK businesses requiring between £40,000 and £20m+. Enquiries outside this range considered on merit.

Structured to protect what you've built.
Every facility we source is structured without a personal guarantee and without a second charge on your property. The risk sits with the deal — not with your home or personal assets.