Business Details
14 Years
experience
Expert Commercial Finance Solutions in Gatwick
Established in 2012, we are a multi-award-winning commercial finance brokerage regulated by the Financial Conduct Authority. Our team brings over three decades of combined experience in commercial finance, specialising in tailored solutions for property development, trading businesses, and complex buy-to-let portfolios. As an NACFB 'Assured' firm, we prioritise ethical practices, including tree planting for every deal completed and supporting local homeless shelters. Our approach focuses on genuine client relationships, offering transparent advice and access to an unrestricted panel of lenders. We pride ourselves on fast approvals, bespoke financing strategies, and a commitment to being 'on your side' throughout the entire process. Our expertise extends to navigating complex cases involving adverse credit, unique property types, and first-time developer projects. With offices in Gatwick and London, we serve clients across the UK while maintaining a personal, human-centric service in an increasingly automated industry.
Services
Commercial Mortgages
Property Development Finance
Trading Business Finance
Secured Overdraft
Buy-to-Let Financing
Asset & Equipment Finance
Loan Consolidation
Development Exit Finance
SIPP Borrowing
HMO Financing
Details
- Year established: 2012
Highlights and features
- Unique Client Guarantee - No Upfront Costs
- Award Winning Company
Associations and certifications
- NACFB
- Institute of Financial Services
- Gatwick Diamond Business Association
- Sussex Chamber of Commerce
What people say
Heartfelt thank you
Breath of fresh air
Highly recommend
Incredibly knowledgeable
Amazing service
Services
Commercial Mortgages
We provide tailored commercial mortgage solutions for property investors and business owners seeking premises financing. Our expertise covers complex cases including mixed-use properties, semi-commercial buildings, and specialist financing structures. With access to an unrestricted lender panel, we secure competitive rates for purchases, refinancing, and portfolio expansions across the UK property market.
Property Development Finance
Our development finance solutions support ground-up construction, refurbishments, and change-of-use projects. We specialise in flexible funding for HMOs, trustee ownership structures, and complex developments requiring innovative financing approaches. Our track record includes assisting both seasoned developers and first-time project leaders with funding from 50,000 to multi-million-pound schemes.
Trading Business Finance
We offer secured and unsecured finance options for trading businesses seeking growth capital or cashflow solutions. Our services cater to companies with complex structures or adverse credit histories, providing loans up to 500,000. We focus on understanding each business's unique needs to match them with appropriate funding solutions from our lender network.
Buy-to-Let Financing
Our buy-to-let expertise extends to standard and complex portfolios including HMOs, corporate lets, and international investor arrangements. We help both experienced landlords and first-time investors navigate the market, offering competitive rates and flexible terms tailored to individual investment strategies and property types.
Asset & Equipment Finance
We provide specialist financing for business assets ranging from vehicle fleets to specialist machinery. Our solutions enable companies to acquire essential equipment without significant upfront costs, with flexible terms that align with business cashflow requirements and growth objectives.
People
David Farmer
Commercial Finance Specialist
Former credit underwriter with over 30 years' experience in commercial and property finance. Founded Lime Consultancy in 2012 after a career in banking. Regular commentator on finance matters to media and parliamentary bodies.
Elena Leach
Client Co-ordinator
Multilingual professional with background in education and specialist care. Manages client relationships and ensures smooth transaction processes from application to completion.
Simon Curlew
Asset & Equipment Finance Specialist
Experienced asset finance expert with track record in funding vehicle fleets and specialist machinery. Provides independent advice on equipment financing solutions tailored to business needs.
Questions
What commercial finance services do you offer?
We specialise in commercial mortgages, property development finance, trading business loans, buy-to-let financing, and asset finance solutions across the UK.
Which areas do you cover?
Based near Gatwick, we serve clients in Crawley, Horsham, Brighton, Guildford, Tunbridge Wells, Croydon, London and nationwide.
How does your finance application process work?
We discuss your needs, clarify objectives, present workable options, and provide our Terms of Business within 24 hours of initial contact.
Are you regulated by any official body?
Yes, we're authorised and regulated by the Financial Conduct Authority (FRN:726314) and hold the NACFB 'Assured' quality kitemark.
What makes you different from other finance brokers?
We combine over 30 years' experience with ethical practices, fast approvals, and a commitment to being 'on your side' throughout the entire process.
Do you work with first-time developers?
Yes, we support both experienced and first-time developers with tailored financing solutions for their property development projects.
Videos
Reviews (5)
Suzanne Timms
Mar 11, 2013
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" I had been trying to win business from a new client for some time, I approached Dave because of his connections. Dave used his expertise to effect an introduction and this has been instrumental in getting our foot in the door. This proactive and creative approach is truly inspirational and sets Dave aside from his peers. "
Alan Chesterfield
Mar 11, 2013
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" Dave assisted me in getting my business up and running at the end of 2008 and into 2009. He acted quickly and decisively ensuring that I did not need to worry about the process of getting finance for my business. He has continued to stay in touch since and introduced me to key contacts in my area. "
Michael Timbury
Mar 11, 2013
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" Dave provides a superb, balanced, outline in assisting with the conversion of ideas into reality. I have dealt with Dave, as Business Partner, for over 4 years and, naturally, having experienced his work/involvement for other people, had no hesitation in employing his services for my own business needs. "
Simon Perkins
Mar 11, 2013
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" Dave's outstanding acumen and attention to detail is a huge enhancement on those previously received from other financial institutions and an asset to my business. Readily available, Dave's advice is always refreshingly succinct and supportive. I have recommended Dave on a number of occasions and will do so again in the future if the opportunity presents itself. "
Eleana Needham
Mar 11, 2013
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" Even before you do business with Dave Farmer, what strikes you is his calm professionalism which stems from deep, detailed knowledge and vast experience in his field. Dave will make you feel reassured, comfortable and excited at the prospects his services can offer your business. I am deeply thankful for his attention to detail and willingness to explore alternatives for his clients.' benefits. Having benefited enormously from his detailed professional advice, I would have no hesitation in recommending his service "