Our Business Credentials

Breakwater Commercial Advisors are an Independent Specialist Consultancy, we provide Commercial and Business Finance support to SME clients throughout the whole of the UK. Whether your business is well established or a new start we can help you with Commercial Mortgages, Property Development Finance, Business Loans,Short Term ‘Bridging’ Finance, Factoring, Equipment Leasing and advice on Grant Funding and how to secure funds via the Government Enterprise Finance Guarantee Scheme (EFGS).

What we do

At Breakwater Commercial Finance we have decades of expertise and broker relationships across the entire funding spectrum. With direct access to over 250 UK lenders we can assess all your options very quickly and guide you to the lowest cost solution available. Although we deal with the High Street, we also work with a huge panel of lenders who are often able to say ‘yes’ when your bank cannot support either a business, a project, or an individual. Talk to us for property investment or property development, working capital solutions, factoring, invoice finance, secured and unsecured business lending, asset finance, crowdfunding or even all purpose secured personal loans.

We offer all our clients a true ‘one stop shop’ facility, our core competence is to provide you a fully managed and professional service to secure the most competitive funding offer available from the entire market. In addition we can, if required, organise any property valuations, insurances and legal support necessary to complete the transaction. We will fully package and submit the lending proposal to ensure your funding application is processed quickly and efficiently with funds available in the shortest possible time.

Whatever your Commercial Funding requirement we offer you a free, impartial and totally confidential initial consultation and we will quickly assess the funding options available to you.

Who we are

William Verner (co-founder)

William has worked for over 40 years in the financial industry, and has helped companies finance a range of projects from stadiums to social housing and most things in between. In November 2015, he co-Founded Breakwater Capital Advisors (www.bwcal.co.uk), a unique boutique specialising in finance for and investment in real estate, consumer finance, and esoteric assets. Customer focused with a personal touch, we bridge the different areas of institutional, high net worth and alternative asset management worlds. Realising that many SME’s required help with their finance, he co-founded in 2017 a new company focusing on commercial and asset backed finance; Breakwater Commercial Advisors.

Darren Smith (co-founder)

Darren has also worked in finance for over 25 year, and over 10 with William. With a strong analytical background, Darren is well placed to help companies decide the optimum solution to financing needs. Together with William he realised that the commercial sector was under served and wanted to bring the professionalism and client service from Breakwater Capital Advisors to the commercial sector in Breakwater Commercial Advisors.

Why Use A Specialist Commercial Broker?

We are genuinely independent, wholly impartial and we will offer straightforward honest advice, given freely and without obligation. Through our established Lender Partner network we give you immediate access to over 250 alternative UK based Commercial Lenders and Private Banks. All of our Lending Partners have funds available to lend and are genuinely still keen to support the right proposition and provide a genuine and viable alternative to the High Street lenders

When your own Bank has failed to offer the support you need then call us. We will quickly assess all the available options for you and we will do everything possible to find a workable and affordable business solution.

Time and again we prove to our clients that we can secure funding where others fail and, in the majority of cases, our advice will save you very significant amounts of money over the course of the loan. The majority of specialist lenders in the current marketplace will only accept qualified and packaged mortgage and loan proposals from Specialist Brokers such as ourselves.

An Unbeatable Level of Client Service and no up-front fees

We offer all our clients a true ‘one stop shop’ facility, our core competence is to provide you a fully managed and professional service to secure the most competitive funding offer available from the entire market. In addition we can, if required, organise any property valuations, insurance and legal support necessary to complete the transaction. We will package and submit the proposal to ensure your funding application is positively sanctioned and approved with funds being made available in the fastest possible time.

Whatever your Commercial Funding requirement we offer you a free, impartial and totally confidential initial consultation and we will quickly assess the funding options available to you. We guarantee there are no ‘up front’ fees to pay until we have secured your Agreement in Principle for the required funding we will allocate a qualified and experienced Consultant from our team to provide you a single point of contact throughout and to progress your case through to completion.

Please call us today to see how we can help or submit an enquiry and we will contact you. Our advice is given freely, in confidence and without obligation.

We look forward to being of assistance and securing your Commercial Finance requirements.