A Clear Process,
From First Call to Drawdown
Every case follows the same structured approach — designed to maximise the probability of a successful outcome and keep you informed at every stage.
Six stages from enquiry to completion
Most deals are won or lost before they reach a lender. The preparation, the structure, and the way a case is presented determine the outcome as much as the transaction itself. This process reflects that reality.
Understand
A short conversation — by phone or email — to define your objectives, timeline, security, and constraints. We tell you whether we can help and what the likely structure looks like before any work begins.
If the transaction is not financeable in its current form, we say so at this stage — not after you have committed time and money to a process that will not produce a result.
Structure and prepare
We run the numbers, review the project, and identify the most appropriate structure for your transaction. This includes assessing the exit strategy, stress-testing the deal against lender criteria, and resolving any structural issues before a lender sees the case.
A lender-ready submission is prepared — covering the security, the borrower profile, the deal rationale, and the exit. The structure is right before it reaches any lender’s desk.
Source and negotiate
We approach suitable lenders from our panel of 300+, present the case, and negotiate terms. The aim is the best fit for your transaction — not the fastest placement or the highest commission.
Where multiple lenders offer competitive terms, we present a comparison and give you a clear view of the differences. You choose.
Client approval
Nothing proceeds without your explicit approval. We present the terms, explain the costs, and answer any questions before you commit to anything. Transparent fees confirmed in writing at this stage.
If the terms are not right, we go back to the market. Your approval is required at every significant stage of the process.
Manage through to drawdown
Once terms are agreed, we manage the process through to drawdown — coordinating between you, the lender, and solicitors, removing bottlenecks, and keeping you informed at every significant stage.
For development finance, this includes managing the drawdown schedule through the build programme and coordinating with the monitoring surveyor.
Review and plan ahead
After completion, we hold a short debrief. What worked well, what could be improved, and what the next transaction looks like. Clients who complete one deal with EAS Finance find the second one significantly faster — because the preparation and lender relationships are already in place.
What you can expect throughout
Honesty before optimism
If a deal has structural problems, we identify them at the outset — not after you have spent money on a valuation and legal fees. A realistic assessment at stage one saves considerable cost and frustration later.
Structure before lenders
We assess the deal before approaching any lender. The exit strategy, the security, the borrower profile — these are resolved internally first. Lenders see a clean, well-prepared case rather than one that raises questions on their desk.
Independent advice
We work for you, not the lender. Every recommendation is based on suitability for your transaction. We have no preferred lender relationships that override your interest.
Transparent fees
Our broker fee is agreed and confirmed in writing before any formal work begins. It is payable on successful completion. No upfront fees, no hidden charges, no ambiguity.
Complex cases welcome
Tight deadlines, complex security, non-standard structures, overseas borrowers — these are the cases we handle best. If the high street has declined, the structure may simply need repositioning rather than abandoning.
Same-day response
Every enquiry receives a same working day response. We confirm whether we can help and what the likely route looks like — giving you the information you need to decide whether to proceed.
Most declined applications fail not because the project is unviable, but because the structure presented does not align with how lenders assess risk. Understanding both sides — the borrower’s objective and the lender’s underwriting model — is where the value sits.
Frequently asked questions
Ready to discuss your transaction?
A brief conversation is usually enough to establish whether we can help, what structure is appropriate, and what the next step looks like. We respond the same working day.
EAS Finance is a trading name of Elite Admin Services Ltd (FRN 1044838), appointed representative of White Rose Finance Group Ltd (FRN 630772), authorised and regulated by the Financial Conduct Authority. EAS Finance is a credit broker, not a lender.