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Commercial Lending
Our commercial lending service caters for trading and property companies, for firms of all sizes and across all sectors of industry.
At Panthera, our commercial finance brokers are committed to finding innovative lending solutions, delivering a personalised service to our clients who are borrowing through or for their business.
What is commercial lending?
Commercial lending provides tailored financing for businesses or investors acquiring, developing, or refinancing commercial properties, either providing a short-term solution or ensuring strategic and long-term investment growth.
Commercial lending clients
A wide variety of clients approach us for commercial finance, from farmers to city professionals. We advise on and arrange loans for proprietors of shop, hotel and restaurant chains, landlords who let office space or commercial and industrial premises, business owners who own their own trading premises and builders & developers of both residential and commercial property.
Types of clients suitable for commercial lending
Commercial finance can be arranged for both operating and property companies, depending largely on whether the ability to service the loan comes from the company’s own net profits or from the rental income generated by the property’s tenants.
Commercial loan sizes
For businesses and borrowers exploring commercial lending, loan sizes vary depending on asset type, client need and lender criteria. Typically, commercial loans sit between £100,000 and £100 million and our advisors can negotiate bespoke lending terms to ensure flexibility for your circumstance whether you are an investor, a Small to Medium Enterprise (SME) or a large corporation.
Commercial lending criteria
Loan-to-Value (LTV) ratios vary greatly in commercial lending and are impacted by factors such as a borrower’s experience, track record and the quality of their accounts, a company’s industry sector, a client’s risk profile and a lender’s risk appetite. For prime property assets with strong covenants, clients may secure higher LTVs when compared with riskier ventures who may receive lower leverage.
Our tailored approach
Whether you are a company, a landlord or a developer, we partner with lenders to tailor commercial finance terms to the needs and budget of your business.
Working regularly with properties of considerable complexity or value, Panthera’s reputation leaves us well positioned to arrange funding for a wide variety of commercial needs and our strong relationships with reliable lenders across all industry sectors enable us to offer both short- and long-term finance solutions.
Meet our dedicated team
Meet our team of experienced commercial finance advisors.
Jason Caprioli
Lending Director
Jason is a partner at Panthera Finance LLP and the company’s principal commercial specialist.
He focuses on securing development debt, long-term finance and equity for residential and commercial projects. With prior experience at major UK banks including Barclays and Coutts, as well as specialist start-ups, Jason excels in finding comprehensive finance solutions.
His close relationships with key lenders & funders and his attention to detail help to facilitate reliable funding decisions early in the process.
Jason is a keen athlete and has completed an Ironman and swum the English Channel. He regularly undertakes challenges to raise funds for both children’s and cancer non-profit organisations.
Raju Miah
Associate Director
Raju joined the team at Panthera after gaining 8 years’ experience as a structured finance broker.
He has developed a strong reputation for commercial, development and bridging finance, with notable expertise in identifying and sourcing both debt and equity.
Raju excels at creating customised solutions, carefully structuring options to fit each client’s financial circumstances. His attention to detail and tenacity have enabled him to assist in a diverse range of situations.
In his spare time, Raju enjoys trying new foods, playing football and spending quality time with family, especiallly cherishing fatherhood with his young daughter.
Dan Gracie
Specialist Lending Director
With 18 years’ experience as a mortgage broker, Dan now specialises in complex cases and earned the 2023 British Specialist Lending Award for “Broker: Complex Income.”
He has developed strong relationships with lenders, which he leverages to create bespoke solutions for clients who don’t fit traditional criteria.
Dan handles a diverse range of scenarios, including expats, foreign currency income, overseas work, company owners, high net worth individuals, commercial properties and large property portfolios.
Outside work, Dan can usually be found on the tennis court, experimenting with different cuisines in the kitchen, or being a roadie for his drummer son and dancer daughter.
Tim Kemp
Co-founder
Tim is a co-founding partner of Panthera Finance LLP and the company’s principal.
He has 18 years’ extensive experience advising high and ultra-high net worth clients on high-value mortgages. Trusted by the UK’s top lenders, he connects clients with private banks for a holistic financial approach.
With a background as a financial planning consultant for expats in Singapore and many years as a mortgage broker in London, Tim provides mortgage advice in the context of a clients’ broader financial needs.
Tim enjoys spending time with his wife and son when not working and loves to travel and keep fit. He splits his time between London and Liverpool.
Andrew Chalton
Private Client Director
A former winner of the British Mortgage Award for “Large Loans,” Andrew is a seasoned structured debt advisor with over a decade of experience delivering bespoke funding solutions for high-net-worth and private clients.
He has cultivated strong relationships with Family Offices and key individuals within private equity and hedge funds. His expertise allows him to craft tailored solutions for clients with non-traditional income streams and diverse asset structures, ensuring their unique financial objectives are met.
Andrew is dedicated to providing exceptional service across time zones, ensuring both domestic and international clients receive the attention they deserve. His extensive network of professionals, including lawyers, tax advisers, buying agents and interior designers, enables him to address all client requirements seamlessly.
In his downtime, Andrew enjoys listening to motivational podcasts, traveling with his fiancée, playing golf, taking long walks with his Golden Retriever and watching his beloved Liverpool FC play at Anfield.
Alex Weldon
Associate Director
With 15 years’ experience in the property industry, Alex has extensive knowledge of the London & wider UK housing markets.
Since joining the finance sector in 2018, he has developed lending expertise and built strong lender relationships, achieving exceptional results for a diverse range of clients, including first-time buyers, portfolio landlords and high net worth individuals.
With a degree in engineering & design, Alex is highly analytical and excels in finding solutions for complex scenarios.
Alex is a dedicated father of two young children who enjoys the occasional round of golf while balancing family life.
Anthony Farren
Senior Mortgage & Protection Advisor
Since joining Panthera Finance in 2019, Anthony has specialised in residential, buy-to-let, expat mortgages, complex lending, and short-term bridging finance.
He serves a diverse client base, including first-time buyers, home movers, and expats seeking investment opportunities, offering tailored solutions to meet their needs.
As a skilled protection advisor, Anthony also helps clients with life insurance and protection planning, ensuring their financial security and peace of mind.
At home on the golf course and tennis court, he can also be found in the gym. When not there, Anthony loves to spend time with his family & friends, especially in a pub garden on a summer’s day.
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Our professional advisors would be delighted to speak with you and discuss your requirements.
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