SBL Financial

SBL Financial sbl financial is a regulated and NACFB Accredited commercial specialist 200+ lender broker.

Bridging, Development BTL, HMO, Secured Loans, Auction purchase , Commercial and Semi Commercial

WHY DO WE LOVE GB BANK? 🌍🏦Because not every client — or company structure — fits neatly into a box.Unfortunately I canno...
03/09/2026

WHY DO WE LOVE GB BANK? 🌍🏦

Because not every client — or company structure — fits neatly into a box.
Unfortunately I cannot attend everything however Zia my right hand man was more than happy to step in last night
At SBL Financial, we deal with expats, foreign nationals and internationally structured clients on a regular basis. That can mean multiple company layers, offshore entities, trusts, SPVs and structures involving jurisdictions such as the BVI.
This is where having the right lender — and knowing how t package the case — becomes incredibly important.
Some of the key reasons we like working with GB Bank:
🌍 Worldwide residents considered – excluding sanctioned/FATF-blacklisted jurisdictions
🏦 No UK residency required
💷 No minimum income requirement on their foreign national/expat BTL proposition
🏠 No requirement to already own UK property
📊 Up to 75% LTV residential / 65% commercial
💰 Loans up to £20m
🏢 Limited companies & SPVs
🌐 Offshore entities considered
📑 Discretionary trusts considered
🔗 Layered ownership structures can be considered
🏘️ HMOs & MUFBs accepted
🏬 Semi-commercial and commercial property considered
💷 Affordability can be based on rental coverage rather than requiring UK-earned income
I cant be everywhere so it was great that zia my right hand man was able to step in at this event and met old friends and new, along with our very good friends from Lawrence Stephens solicitors
And importantly, complexity itself isn't necessarily a reason to decline a case.If there are multiple layers, offshore companies or beneficial owners, the ownership and control obviously need to be clearly established and the appropriate due diligence completed.
That's exactly how specialist lending should work — understand the client, understand the structure, understand the asset and then find a way to make the deal work where it makes sense.
At SBL Financial, we love complex.
Foreign national? Expat? BVI company? Offshore SPV? Trust? Multiple company layers?
Don't assume it can't be funded just because your structure doesn't fit a standard lender's computer screen.
📞 02394 005420
📧 [email protected]
🌐 www.sblfinancial.co.uk
All lending is subject to underwriting, valuation, due diligence, eligibility and lender criteria.

🤝 **EVERYTHING IN BUSINESS COMES DOWN TO RELATIONSHIPS.**At SBL Financial, we’re fortunate to have some fantastic relati...
02/09/2026

🤝 **EVERYTHING IN BUSINESS COMES DOWN TO RELATIONSHIPS.**

At SBL Financial, we’re fortunate to have some fantastic relationships across the specialist lending market — but one of our **strongest and longest-standing relationships is with Together Money.**

And for us, a lender relationship is about far more than having a BDM’s phone number.

We’re integrated across the business, **from BDM level through to senior leadership and the CEO**, with relationships built through doing **millions of pounds of lending** and working closely together on real cases.

What does that relationship mean in practice?

✅ **Gold Partner status**
✅ A dedicated **concierge team** supporting our cases
✅ Access to **bespoke service and, where available, bespoke rates**
✅ Direct relationships with key decision-makers
✅ Ability to contact senior leadership when a case genuinely requires it
✅ Pre-packaging and underwriting cases before submission
✅ Lenders working alongside us and understanding how SBL operates
✅ Faster communication, fewer unnecessary obstacles and greater deliverability

There are also elements of how we work together that, quite simply, **we can’t talk about publicly.**

Yes, clients can access Together through other brokers and, in some circumstances, directly.

But **access to a lender and the relationship you have with that lender are two very different things.**

When everyone knows who SBL Financial is, understands how we package business and knows the standards we work to, it can make a significant difference when dealing with complicated or time-critical cases.

That is what we mean by:

# # # **FRICTIONLESS DELIVERABILITY.**

It isn't about promising every case will be easy or every deal will complete. It's about having the **relationships, experience, access and people** around the table to give a case the best possible opportunity of getting across the line.

We ❤️ **Together Money** — because when the relationship works at every level, so can the deal.

**Everything in life is about relationships.**

🏠 **LOOKING FOR PROPERTY OPPORTUNITIES THAT DON’T ALWAYS REACH THE OPEN MARKET?**At **RAM Platinum Properties**, we spec...
31/08/2026

🏠 **LOOKING FOR PROPERTY OPPORTUNITIES THAT DON’T ALWAYS REACH THE OPEN MARKET?**

At **RAM Platinum Properties**, we specialise in property acquisition and distribution across the UK, with opportunities ranging from **below £100,000 through to £30 million**.

A large proportion of the stock we see is **below market value, distressed, off-market or needs a fast sale** — where speed, certainty and the ability to actually complete can make all the difference.

🏢 Residential, commercial & mixed-use
🏗️ Refurbishment & development opportunities
🏘️ HMOs, MUFBs & portfolios
📍 Land and sites, with or without planning
🏦 Bank distressed sales
🤝 Direct-to-client opportunities
🔨 Off-auction and off-market deals
⚡ Fast-sale and short-timescale opportunities

# # # ONE STOP SHOP — ACQUISITION • VALUATION • FINANCE

Through our sister company **SBL Financial**, we can also assist with **valuations and specialist finance**, meaning we can look at the complete transaction rather than simply introducing a property.

For buyers, that means we can help assess **the deal, the value and how it can be funded**.

For sellers, banks, agents and other property professionals, we are always interested in discussing opportunities where a **credible buyer and fast, professional ex*****on** are important.

📞02394 005415
📧 [email protected]
🌐 rampp.co.uk

**Looking to buy, sell or introduce an opportunity? Talk to RAM Platinum Properties.**

# # # 🔨 WON AT AUCTION? NEED TO MOVE FAST?When you buy at auction, **the clock starts ticking the moment the hammer fal...
31/08/2026

# # # 🔨 WON AT AUCTION? NEED TO MOVE FAST?

When you buy at auction, **the clock starts ticking the moment the hammer falls.**

Whether you have **28 days, 21 days, 14 days or even 7 days** to complete, having the right finance is only part of the equation.

⚡ **Speed needs deliverability.**

At SBL Financial, we specialise in **bridging finance and time-critical property transactions**. We work with lenders and professionals who understand that when a deadline is fixed, there is very little room for friction or delay.

We can help with:

✅ Auction purchases
✅ Bridging & short-term finance
✅ Urgent purchases and chain breaks
✅ Refurbishment projects
✅ BTL, HMO, commercial & semi-commercial
✅ Development exit finance
✅ Online valuations
✅ Auction-experienced solicitors
✅ Clear exit strategy and refinance planning

🚀 **HOW FAST CAN WE MOVE?**

With one of our lender relationships, we have **Gold Partner status and access to a concierge service**. On suitable cases, we can obtain an **online valuation and initial terms in under 60 minutes** — and we have seen cases returned in **under 20 minutes**.

That speed is subject to the property, lender criteria, valuation type, case complexity and having the right information available.

But there is another important point:

# # # ❌ THE BEST RATE DOESN'T ALWAYS MEAN THE MOST SUITABLE PRODUCT.

A headline rate looks great — **until the lender can't deliver within your deadline.**

For an auction or time-critical transaction, we consider **rate, speed, certainty, valuation, legal process, lender appetite, exit strategy and deliverability**.

**A cheap bridge that doesn't complete on time can become a very expensive mistake.**

We have offices in **Hampshire and London**, lenders who work directly from our offices, and relationships giving us access to **Managing Directors, CEOs and key decision-makers across the specialist lending market**.

It's not simply about finding a lender.

**It's about putting the right lender, valuation, solicitor and exit strategy together to get the transaction across the line.**

📞 02394 005420
🌐 www.sblfinancial.co.uk
📧 [email protected]
Bridging finance is a short-term loan secured against property and may not be suitable for everyone. Your property may be repossessed if you do not keep up repayments on your mortgage or any other loans secured on it. All finance is subject to lender criteria, valuation and terms & conditions.

🏢 **BUYING COMMERCIAL PROPERTY? THE PURCHASE PRICE IS ONLY PART OF THE STORY.**Commercial and specialist property financ...
27/08/2026

🏢 **BUYING COMMERCIAL PROPERTY? THE PURCHASE PRICE IS ONLY PART OF THE STORY.**

Commercial and specialist property finance can be very different from buying a standard residential property — and some of the details can catch people out if they aren't discussed **before you commit to the deal**.

Do you know which value your lender is actually lending against?

📊 **Full Market Value?**
📉 **180-Day Value?**
⏱️ Or, with some lenders and circumstances, a **90-Day Value?**

That difference could materially affect the amount you can borrow and therefore the cash you need to complete.

Buying through a **Limited Company with multiple directors/shareholders?** You may also need to consider **Independent Legal Advice (ILA)**.

You may also find that directors are required to provide a **Personal Guarantee (PG)** and the lender may require a **debenture over the company**.

Then there's your solicitor.

⚖️ With specialist **commercial, bridging, development and certain term lenders**, solicitor requirements can be very specific. Some lenders may require a firm meeting minimum SRA/manager criteria and/or their own panel requirements.

Using the wrong solicitor can create unnecessary delays when you're already working towards a completion deadline.

This is why at **SBL Financial** we don't believe commercial finance starts and ends with finding a rate.

**Valuation basis. Structure. Security. Solicitors. ILA. PGs. Debentures. Deposit. Exit.**

It's about getting the **ducks in a row from the beginning**.

Every lender and transaction is different, so understanding the requirements **before you commit** can save a lot of time, frustration and potentially money later.

📞 02394 005420
📧[email protected]

*All lending is subject to lender criteria, valuation, status and terms & conditions. Legal and valuation requirements vary between lenders and transactions. Independent legal advice should be obtained where appropriate.*

🔑 **SECOND CHARGE DOESN’T ALWAYS MEAN SECOND CHARGE. SOMETIMES THERE ARE OTHER OPTIONS.**At **RAM Secured Loans**, we wo...
25/08/2026

🔑 **SECOND CHARGE DOESN’T ALWAYS MEAN SECOND CHARGE. SOMETIMES THERE ARE OTHER OPTIONS.**

At **RAM Secured Loans**, we work with a wide range of mainstream and niche lenders, which means that when someone has come unstuck or conventional lending doesn’t quite fit, there may still be another solution.

As well as traditional **second charge secured loans**, in the right circumstances we can look at:

🏠 **3rd Charge Lending** — subject to sufficient equity, affordability, lender criteria and loan amount caps.

📈 **Higher LTV on Buy-to-Let** — including options above 85% LTV and, in certain circumstances, **up to 100% LTV on personally owned BTL property**, subject to affordability, equity, loan amount caps and lender criteria.

🔄 **Re-broking an existing second charge** — where the circumstances and advice make this appropriate.

These are **NOT rate-driven solutions**.

They are specialist options designed for circumstances where a client may have **come unstuck, needs to solve a problem or has exhausted more conventional alternatives**.

The cheapest rate isn't always the answer — but neither is taking specialist borrowing simply because it's available.

That's why **every recommendation we make is tailored to the individual client**.

We look at the problem, affordability, existing borrowing, equity, costs, the purpose of the loan and, importantly, **how you're going to get back out again**.

Sometimes the right advice may be **not to proceed at all**.

But when the circumstances, affordability and advice are right, specialist lending can provide another route when you thought you'd run out of options.

📞 **02394 005420**
📧 **[email protected]
👤 **For a bespoke quote, contact Dan directly:** [email protected]
🌐 www.sblfinancial.co.uk
**Every client matters, or no client matters.**

*All lending is subject to affordability, status, valuation, lender criteria and terms & conditions. Higher-LTV and third-charge lending is subject to individual assessment and loan amount caps. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other loans secured against it.*

🏗️ **“100% DEVELOPMENT FUNDING” — BUT WHAT DOES THAT ACTUALLY MEAN?**We see plenty of advertising saying **“100% of deve...
24/08/2026

🏗️ **“100% DEVELOPMENT FUNDING” — BUT WHAT DOES THAT ACTUALLY MEAN?**

We see plenty of advertising saying **“100% of development costs funded.”**

Sounds simple.

But that's only **half the story**.

Yes, a lender may fund **100% of the works**, subject to criteria — but development finance is generally structured so that the works funding is **released in arrears, in pre-agreed tranches following inspection**.

That means you still need to understand where the money comes from **before that first drawdown arrives**.

💷 **You may need:**

✅ Your deposit / equity contribution
✅ Day-one acquisition costs and fees
✅ Enough cash to fund the **first tranche of works**
✅ A detailed and realistic schedule of works
✅ Full costings and contingencies
✅ An experienced professional team
✅ A clear programme and exit strategy

Then comes another critical point…

📊 **YOUR NUMBERS NEED TO STACK UP WITH THE LENDER'S NUMBERS.**

Your build costs, programme, GDV and overall project assumptions will be scrutinised.

The lender's **QS (Quantity Surveyor) or monitoring surveyor/project monitor** will assess the project, costs and progress. If your figures don't align with theirs, you may have a problem — regardless of how good the deal looked on a spreadsheet.

And lenders aren't simply assessing the bricks and mortar.

**They are assessing YOU and your team.**

Do they have confidence in your experience?

Do they believe in your conviction and ability to deliver?

Is your contractor credible?

Are your figures realistic?

Can the project withstand delays and cost overruns?

Do you have sufficient liquidity to keep the project moving?

🏗️ **Development finance isn't just about getting the highest percentage advertised. It's about structuring the entire project correctly from acquisition through to exit.**

At **SBL Financial**, we want to understand the whole deal before recommending the finance.

**The right lender. The right structure. The right team. The right exit.**

Because getting an offer is one thing.

**Successfully delivering the development is what actually matters.**

📞 **02394 005420**
📧 [email protected]

*All lending is subject to lender criteria, valuation, status and terms & conditions. Funding structures and drawdown requirements vary between lenders and individual developments.*

🌉 **CROSS-CHARGE BRIDGING — JUST BECAUSE YOU CAN, DOESN’T MEAN YOU SHOULD!**At **SBL Financial, we love bridging finance...
22/08/2026

🌉 **CROSS-CHARGE BRIDGING — JUST BECAUSE YOU CAN, DOESN’T MEAN YOU SHOULD!**

At **SBL Financial, we love bridging finance when the deal AND the advice are right.**

Any form of bridging carries a degree of risk. But when you are **cross-charging your family home as additional security**, that risk needs very careful consideration — just as it would with a standalone second-charge bridging loan.

The key is **proper advice and recommendation — not simply ex*****on.**

Before proceeding, we believe some fundamental questions need answering:

🏠 Is putting your family home at risk appropriate for this particular deal?

📊 Has the deal been properly stress-tested if things don’t go according to plan?

🚪 Is there a **robust and realistic exit strategy**?

💷 Can you refinance or buy your way out if the original exit fails?

🔄 Has a conventional second-charge loan or another funding structure been considered?

Our **No.1 priority is YOU — the client.**

It may surprise some people that **we reject clients and deals**. We would rather say *no* than arrange finance simply because it can be done.

However, when the **deal is right, the advice is right and the exit is right**, cross-charge bridging can be a fantastic funding solution.

**No two clients are the same. No two deals are the same.**

That is exactly why advice, recommendation and exit planning are so critical.

And in the current property market, relying solely on selling a refurbished or flipped property as your exit can create significant risk. **Refinance should be considered and worked through from the outset**, rather than something you start thinking about when the bridge is approaching redemption.

**Advice first.
Risk understood.
Exit planned.
Client protected.**

📞 **02394 005420**

**SBL Financial — Finance without limits, solutions without compromise.**

*Your home may be repossessed if you do not keep up repayments on your mortgage or any other loans secured against it.*

**Not all bridging is right for everyone — one size does not fit all.**If you’re looking to **get in, complete your proj...
20/08/2026

**Not all bridging is right for everyone — one size does not fit all.**

If you’re looking to **get in, complete your project and exit quickly**, stepped bridging could be worth considering.

One of our bridging partners offers a **lower initial rate from 0.39% per month for the first 6 months**, potentially making it an attractive option where a shorter-term exit is realistic.

🔑 **But the EXIT is key.**

Before entering any bridge, we believe the refinance or alternative exit should be assessed **at the same time — not worried about later.**

With many property flips struggling to sell in the current market, relying solely on a sale can leave you exposed. **Know your refinance numbers before you enter the bridge.**

💷 **From 0.39% per month for the first 6 months**
🏗️ **Minimum lend: £200,000**
⏱️ **Minimum 3-month term**
📈 Stepped rate structure
🔑 Clear exit strategy essential

Rate correct as at **19/08/2026** and subject to change. Subject to status, lender criteria and T&Cs.

**SBL Financial — Bridging with a plan. Exiting with confidence.**

Address

Unit D14 Heritage Business Park
Gosport
PO124BG

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 1pm

Telephone

+442394005420

Website

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