For borrowers
Explain the project or business need, provide the supporting information and follow the application as CENS prepares it for lender review.
Borrowing through CENS
Commercial finance
for property and business.
CENS brings borrowers and lenders together around well-presented commercial opportunities, with a controlled route from first enquiry to completion.
Start with the transaction, not a standard product.
Every requirement has its own purpose, timing, security and exit. We begin with those fundamentals, then help turn the information into a case a lender can assess.
CENS acts as the enabler: the borrower brings the project, selected lenders consider the opportunity, and the secure portal keeps the work connected.
How the process worksChoose the route that fits your role.
For lenders
Set out your lending appetite and review only the opportunities CENS makes available to you, with the application pack and discussion held in one place.
Lending through CENSIntroducing a borrower or lender?
CENS records the introduction, the connected party and the agreed fee arrangement without confusing the introducer’s role with the lending decision.
For introducersSpecialist routes for commercial requirements.
Bridging finance
Short-term property finance for purchases, refinancing and time-sensitive transactions.
Auction finance
A funding route shaped around the fixed completion timetable of an auction purchase.
Development finance
Structured funding for eligible development, refurbishment and improvement projects.
Construction finance
Commercial funding considered against the programme, costs, security and delivery plan.
Mezzanine finance
Additional capital that may sit alongside senior lending where one facility is not enough.
Secured business lending
Finance considered around the business purpose, available security and repayment route.
A controlled route from enquiry to completion.
The portal supports the transaction without replacing lender assessment, legal work or professional judgement.
Set out the requirement
Tell us the amount, purpose, security, timing and intended repayment route.
Build the application
Add the company, directors, property information and supporting documents.
CENS reviews the case
We identify gaps, structure the information and control which suitable lenders can review it.
Terms to completion
Terms, due diligence, legal work and completion milestones remain connected to the application.
Secure application and document handling
Cens Investments Limited acts as a credit broker and does not act as a lender. Finance is subject to assessment, approval, lender terms, and any required security.
Ready to discuss a requirement?
Start securely online or contact CENS before you apply.