• Access to over 250 commercial
    lending partners
  • Commercial property, development
    & asset finance
  • We find the right funding solutions
    for your business.
  • Property refurbishment
    & buy to let finance
  • Free professional advice on any commercial finance requirement

Commercial Business Funding
& Business Finance Support:

Adverse Credit & Fast Bridging Loans,
Assisting People Across the UK

Totum Finance work with a panel of short-term loan lenders to assist you in securing a fast bridging loan and any short-term loans you may require. We don’t judge when it comes to credit history, as we can also secure adverse credit bridging loans.

If you need the funds quickly, get in touch with us to discuss how we can assist in providing you with the funding your business needs. With our loan terms ranging from 1 day to 24 months, no matter what your situation is — Totum Finance is here.

Please contact us today to see how we can help or submit an enquiry and we will contact you.


From our head office in Northamptonshire, we work with clients across the whole of the UK, from Manchester to Birmingham, to London and Newcastle. Wherever you are based, Totum Finance will assure to assist you on your financial journey.

Bridging & Short
Term Funding

If you require a loan quickly then we can provide funding for any legitimate purpose


Residential Investment

Property Refurbishment, Buy to Let, House in Multiple Occupancy (HMO’s)



Debt and Equity for Your Property Developments


Business Funding

Crowdfunding, Factoring & Invoice Discounting, Asset Finance, Grants, EFG & Business Support


Commercial Mortgages

Commercial Property Mortgages, Trading Business Mortgage, Short Leasehold Property Finance



Specialist Sector


Pub, Hotel, Restaurant & Leisure, Professional Practice Loans, Nursing Care Home, Day Nursery


Access to 250+ UK Lenders. For straightforward advice without obligation please contact our business support team today


Securing fast bridging loans is a simple process. We can secure finance on both residential and commercial property, along with land/development sites. We know mistakes happen when it comes to financing. We have the expertise to guide you, even in situations of adverse credit.

Totum Finance will put you on the first steps in realising your property or development finance dream.

We can also assist you in properties that are deemed ‘Un-mortgageable’. Our secure and fast bridging loans can be used when moving home, even before your current property has been sold.

We can use our specialised knowledge of property auctions to help you buy property across the UK, allowing you to make the first step to buying your home, whilst using our expertise to circumvent any potential issues.

We can provide you with cash quickly so that you can buy a business or stock in a fast-moving environment.

We use a panel of short-term loan lenders meaning we move quickly giving an immediate decision on your fast bridging loan, often having loan offers issued the same day. If accepted, funds can be available within a matter of days. Our experienced team will assist with all the necessary administration and valuations to ensure a smooth process throughout.

Please call us today to see how we can help or submit an enquiry and we will contact you.