Business Details
16 Years
experience
Trusted Business Loan Brokers in Amersham
Established in 2010, Choice Loans & Mortgages has evolved from Choice Business Loans into a certified B Corp, dedicated to providing transparent and ethical business finance solutions. Our team of experienced professionals combines decades of banking and finance expertise with a client-centric approach, ensuring businesses receive tailored funding options that align with their unique needs. As a broker regulated by the Financial Conduct Authority, we work with a diverse panel of lenders, including those offering competitive rates without broker commissions, to prioritise our clients' interests.Our commitment to fair treatment and relationship-driven service has earned us long-term partnerships with clients across sectors, from SMEs to property developers. We pride ourselves on demystifying business finance through clear advice, upfront fee disclosure, and a focus on sustainable financial solutions that support long-term growth.
Services
Unsecured Business Loans
Secured Business Loans
Asset Finance
Green Finance
Invoice Finance
Bridging Loans
Development Finance
Commercial Mortgages
Merchant Cash Advance
Trade Finance
Details
- Year established: 2010
Highlights and features
- Certified B Corp with April 2025 accreditation demonstrating ethical business practices
- Team with combined 70+ years of banking and finance industry experience
- Transparent 12% success fee structure with no upfront charges
- Access to exclusive lenders that don't pay broker commissions
- Personalised approach combining technical expertise with relationship-based service
Associations and certifications
- B Corp
- Financial Conduct Authority
- National Association of Commercial Finance Brokers
What people say
Honesty and transparency
Personalised approach
Go the extra mile
Quick decision process
Expert guidance
Services
Business Loan Brokering
Our expert brokers match businesses with appropriate lenders through a transparent process. We evaluate your specific needs and circumstances to recommend suitable financing options from our diverse lender panel. With access to exclusive lenders that don't pay broker commissions, we provide impartial advice focused on long-term financial sustainability rather than short-term gains.
Invoice Finance
We connect businesses with invoice financing solutions that improve cash flow by unlocking funds tied to outstanding invoices. Our brokers help clients select appropriate facilities that align with their turnover patterns and debtor profiles. This service particularly benefits businesses with regular invoicing cycles seeking improved working capital management.
Development Finance
Specialist financing solutions for property developers and investors. Our brokers have expertise in arranging funding for residential, commercial, and mixed-use developments. We work with lenders that understand the unique requirements of property projects, offering flexible terms that accommodate construction timelines and phased funding needs.
Asset Finance
We facilitate asset financing arrangements that enable businesses to acquire essential equipment without large upfront costs. Our brokers help clients navigate different financing structures, including hire purchase and operating leases. This service supports businesses maintaining cash flow while acquiring vehicles, machinery, or technology assets.
Bridging Loans
Rapid-access financing solutions for urgent business needs. Our brokers specialise in connecting clients with bridging loan providers offering quick approvals. This service suits businesses requiring temporary funding for property purchases, cash flow gaps, or time-sensitive opportunities while awaiting longer-term financing.
People
Sean O'Farrell
Managing Director
Founded Choice Business Loans in 2010 after 12 years in banking at NatWest/RBS. Brings extensive lending experience and entrepreneurial perspective to business finance solutions. Prioritises client interests and long-term financial success.
Sharon Cook
Director
Specialises in SME finance with 10 years' experience supporting business cash flow needs. Joined Choice in 2015, focusing on relationship-based solutions. Recognised for expertise in matching clients with appropriate financial products through personalised guidance.
Chris Mason
Finance Broker
40-year finance industry veteran with experience at Barclays, HBOS, and Handelsbanken. Specialises in property development financing, combining technical expertise with deep understanding of client objectives. Known for thorough analysis and long-term project support.
Questions
What makes Choice Commercial Finance different from other brokers?
As a certified B Corp, we prioritise ethical practices and client interests. We charge a transparent 12% success fee rather than hidden commissions, and work with exclusive lenders that don't pay broker fees.
How do you get paid for your services?
We charge a 12% success fee only when your finance is secured, with no upfront costs. This ensures our interests align with yours, and we declare all fees in advance.
What types of business loans do you offer?
We provide access to unsecured and secured loans, asset finance, invoice finance, bridging loans, development finance, and specialist products like green finance and trade funding solutions.
Can you help businesses with poor credit history?
Yes, our brokers have experience finding solutions for businesses with credit challenges. We work with lenders that consider individual circumstances rather than relying solely on credit scores.
How quickly can you arrange business financing?
Timescales vary by product, but we've secured some loans within days. Our fastest case achieved approval in principle within 2 working days through our responsive lender network.
Do you charge businesses for initial consultations?
No, we provide initial consultations free of charge. We believe in transparent advice and only earn fees when we successfully secure your financing.
Reviews (4)
Violeta Ortuno Izquierdo
Nov 05, 2021
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Getting started with all the evidence to apply for a business loan seemed like a big task, but with the support of Choice Business Loans I was approved in no time. Great support and advice all the way through the application process. I couldn't have done it without you! Thank you.
Irja Howie
Nov 04, 2021
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Couldn't recommend Choice Business Loans highly enough! Not only they really know their stuff about which lender and business loan to go for, but they are super helpful and friendly too.
Mark Hodgkinson
Nov 03, 2021
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I got outstanding loan advice from Sharon this morning. She told me very simply and clearly what I need to do. I cannot fault her friendly helpful and professional advice. Would highly recommend.
David Myers
Jun 05, 2017
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I have been working with Sean and the team at Choice Loans for a number of years. They are always professional and efficient and always put the client first. Highly recommended.
