Why I started Howes.
At Howes Commercial Finance, we understand that securing the right capital is the ultimate fuel for business growth, yet navigating the modern lending landscape can be incredibly complex.
As an independent commercial finance broker, we act as the vital bridge between your business and a vast network of specialist lenders. We don't believe in one-size-fits-all financing; instead, we take the time to deeply analyse your cash flow, goals, and unique operational needs.
Because we operate on a whole-of-market basis, our absolute allegiance is to you—the business owner, developer, or entrepreneur—not a single high-street bank. From sourcing asset leasing and flexible working capital to securing complex property development finance and commercial mortgages, we handle the entire market search, proposal matching, and application process.
Our mission is to cut through the underwriting noise, save you valuable time, and engineer the competitive capital structures your business needs to scale with absolute confidence.
How we work
We work across a panel of over 165 lenders rather than one bank's appetite. That means a deal your own bank turned down can often still be placed, and a facility can be compared across several lenders before you sign anything.
Finance should be explained, not sold. If a product has a real cost or a real trade-off, you hear it before you apply, not at the offer stage. A personal guarantee, a factor rate, a retained interest figure: these are numbers you are entitled to see early.
The proposition is simple. One conversation, whole of market access, and indicative terms within 24 hours. A fee is only ever payable on completion.
What we will tell you that others will not
Sometimes the right answer is your own bank, or no borrowing at all. If that is true, we say so, even though it costs us a fee. A broker who only ever says yes is not actually doing the job of finding the right lender. We would rather be the firm you call again in two years than the one that got you into the wrong facility once.
