Dynamic Commercial Finance

Dynamic Commercial Finance, independent business finance brokerage in the UK

Dynamic Commercial Finance (DCF) is an independent commercial finance brokerage operating across the entire UK market. Its activity consists of connecting business owners with a wide range of lenders — from traditional banks to specialist entities and alternative finance providers — to cover different types of needs. The firm presents itself as a credit broker, not a lender, and states that it has accumulated over twenty years of experience supporting businesses in the financial market.

The company defines itself as "whole of market", meaning it works with the full range of available entities rather than limiting itself to its own catalogue. According to its own account, the service is personalised and tailored to each application, with support from the first call through to the receipt of funds.

Finance services

The product catalogue that the firm details on its website covers several areas:

• Asset finance: acquisition of business assets, from tangible assets such as vehicles, excavators or trucks to lighter items such as IT systems. It also covers the renewal of complete fleets, infrastructure projects and renewable energy.
• Bridging finance: short-term loans for residential, commercial and semi-commercial property, auction purchases and planning amendments or light and heavy refurbishments.
• Property portfolio finance: refinancing of portfolios, whether from personal ownership to a company or their consolidation with a single lender, with interest-only or capital repayment options.
• Individual buy-to-let mortgages: purchase of new rental properties in personal or company names, with support for product transfers and further advances or equity release.
• Peer-to-peer lending: medium-term working capital facilities to support cash flow, growth, business acquisition, marketing and asset purchases.
• Commercial mortgages: purchase and refinancing of commercial property, both for own use and for investment, with structures including individual, company and pension fund ownership.
• Property development finance: new build and heavy refurbishment projects for residential and commercial property, for both new and experienced developers.
• Trade finance: import and export operations of goods from and to the UK and internationally.
• Factoring and invoice discounting: confidential and disclosed facilities, full or selective, which may include export finance and stock facilities.

Client profile and completed deals

The firm publishes a sample of completed deals that illustrates the type of clients and projects it serves. Examples include a £158,000 buy-to-let mortgage for a property investment company in Northamptonshire; two factoring deals, one for £330,000 for a haulage company in Nottinghamshire and another for £100,000 for a manufacturer in Bedford; a £198,000 commercial mortgage for a semi-commercial property in Kent; a £17,000 cashflow loan for a fish and chip shop in Stratford; and three asset finance deals in Northamptonshire for amounts of £66,000, £38,000 and £90,000, respectively for a drain services company, a franchise and a professional practice.

The testimonials collected on the website highlight the personalised attention, the speed of the application process and the ability to adapt solutions to specific needs, with specific mentions of asset finance and commercial mortgages.

Structure, regulation and transparency

Dynamic Commercial Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA) with firm reference number 946483, and has registration number with the Information Commissioner's Office (ICO) ZB392404. The company is registered with number 13195176 and registered office at Unit 1 Old Greens Norton Road, Towcester, England, NN12 8AX.

The company states that it receives commissions from lenders and makes explicit that different lenders apply different commission models: flat fee, fixed rate or percentage of the amount lent. According to its transparency policy, the details of the model, the calculation and the amount are communicated to the client throughout the process.

Office and contact

The firm's operating office is at Top Barn One, Lamport Manor, Lamport, NN6 9HF. The company also offers interested parties the possibility of requesting a callback through its website.

Top Barn One Lamport Manor Lamport, NN6 9HF · Phone: 020 3978 6758 · Email: admin@dynamiccf.co.uk