Commercial Acceptances

About Commercial Acceptances

Commercial Acceptances (CA) has been in the bridging finance market since 1982 — making it one of the UK's longest-standing specialist lenders. Acquired by Close Brothers Group plc, a FTSE 250-listed merchant banking group, by 2008, the business now operates with the financial stability of a major institution while retaining the agility and personal service culture of a specialist lender.

The numbers reflect that reputation: around 70% of CA's business comes from repeat clients. In a market that often sees borrowers shopping around, that level of loyalty signals something more than competitive rates — it reflects consistent execution and reliable service over multiple deals and relationships.

CA operates as an unregulated lender, meaning it focuses exclusively on property developers, investors and businesses rather than owner-occupied residential. That focus allows the team to operate with specialist expertise and streamlined processes tailored to their client base. A dedicated CA Trade division serves larger, established commercial developers who require long-term lending alongside standard bridging facilities.

Bridging Loans from Commercial Acceptances

CA lends from £50,000 to £10 million, with terms up to 12 months and LTVs up to 70%. Rates start from 0.75% per month. The lender is well-known for speed — in some cases funds have been transferred within 24 hours of application for repeat clients, and same-day decisions are achievable on straightforward cases. For larger long-term commercial facilities, the CA Trade division provides access to a specialist team with different expertise and lending parameters.

What Can Commercial Acceptances Finance?

• Property development and refurbishment
• Auction purchases
• Mixed-use property acquisitions
• Buy-to-let investment purchases
• Commercial property capital raising
• Larger long-term commercial deals via CA Trade

How to Apply with Commercial Acceptances

CA works with established brokers and direct with repeat borrowers. Initial enquiries go to their London team at 10 Crown Place, EC2A. Given the speed emphasis of the business, borrowers should be prepared with key deal information upfront — the property details, loan purpose and exit strategy — to enable the fastest possible decision.