CENS Investments
A restored brick warehouse and contemporary commercial buildings at a British business site

Finance shaped
around the requirement.

Whether the need is to acquire property, fund development, refinance existing borrowing, or support business growth, the right structure starts with understanding the whole transaction.

Read the borrower guide Discuss a requirement

Six specialist routes for commercial borrowing.

Availability, pricing, security, term, and loan-to-value always depend on the individual circumstances and lender assessment.

Bridging finance

Short-term funding for time-sensitive property purchases, refinancing, or a defined transition between two positions.

Auction finance

Funding considered around the fixed completion timetable that follows a successful property auction bid.

Development finance

Finance for property development, refurbishment, or improvement projects, shaped around the project plan and exit.

Construction finance

Structured funding for eligible construction requirements, with information gathered around costs, programme, and delivery.

Mezzanine finance

Additional capital that may sit alongside senior borrowing where the full requirement is not met by one facility.

Secured business lending

Commercial borrowing considered against the business purpose, available security, affordability, and repayment route.

A clearer application starts with complete information.

The CENS application journey reflects the information normally needed to understand a secured commercial finance request. Further documents may be requested as a case progresses.

Applicant and company or SPV details

Individual and entity information for all borrowers, directors, and any special purpose vehicle connected to the application.

Solicitor and broker or introducer contacts

Contact details for the legal representative and any broker or introducer involved in arranging the transaction.

Loan amount, term, and intended purpose

The capital required, the proposed lending period, and a clear explanation of what the funds will be used for.

Property offered as security and existing charges

Details of the asset being offered as security, its approximate value, and any existing charges or encumbrances.

Proposed repayment or exit route

How the borrower intends to repay the facility at the end of the term, whether through sale, refinance, or another defined route.

Relevant credit history and supporting explanation

Any adverse credit history, county court judgements, or prior insolvency, with context to support lender assessment.

Enquiry does not mean approval.

Submitting an application does not guarantee that finance will be offered, approved, funded, or completed. Cens Investments Limited acts as a credit broker and does not act as a lender.

Website information is general and is not personal financial, legal, or tax advice. Independent advice should be obtained where appropriate.

Where a facility is secured, the assets or property offered as security may be at risk if the borrower does not meet its obligations.