Bridging Finance & The Hidden Truths | Emma Ross | PCN Podcast Ep #24
Property Coaching Network PodcastShow Notes
Welcome to Episode 24. I’m joined by my broker, Emma Ross, and we break down commercial finance so you can make better funding decisions.
Commercial finance in plain English: how business and property funding actually works, what lenders look for, and how to avoid expensive mistakes.
Emma Ross breaks down bridging, buy-to-let products, valuation issues, and how to think about cash flow when you’re trying to grow.
Key takeaways: • What a commercial finance broker does (and what they don’t do) • How bridging finance works, typical terms, and how interest is structured • The difference between serviced, retained, and part-and-part bridging • Why valuations/down-valuations happen and what you can do about it • How some buy-to-let products work for below market value purchases • How to think about speed vs rate vs flexibility when choosing a lender
Emma Ross is a commercial finance broker specialising in specialist lending across property finance and business funding. She explains where different products fit (bridging finance, buy-to-let, commercial lending and asset finance), how underwriting and lender risk appetite affects outcomes, and why having the right broker relationships can change what’s possible. You’ll also hear practical examples of structuring deals, handling mixed-use properties, and planning a repayment strategy so cash flow doesn’t catch you out.
👉 Subscribe for practical weekly videos on property & business.
🌐 Join Property Coaching Network: https://propertycoachingnetwork.com 📚 Property Coaching Intensive (PCI): https://propertycoaching.com/
📲 Instagram: https://www.instagram.com/david_smart_property/ 📲 TikTok: https://tiktok.com/@davidsmartproperty 📲 LinkedIn: https://uk.linkedin.com/in/david-smart- 📲 Facebook: https://www.facebook.com/david.smart.7393/
📩 Business: [email protected]
#CommercialFinance #BusinessFunding #PropertyFinance #BridgingFinance #DevelopmentFinance #CashFlow #UKBusiness #UKProperty #BuyToLet #InterestRates
More from Property Coaching Network Podcast
Property investing while working full time: how Sarah Harman went from maternity leave to around 35 properties, and the checks she now runs on every deal.
Alex Coghill was David's first ever hire. Just over a year after leaving to go out on his own, his serviced accommodation management company, Recharge, looks after close to 90 properties across Scotland, with well over 100 in sight.
Steven Clark built 10 buy-to-lets while working offshore. In 2016 he quit a £70K salary with money in the bank and a couple of grand a month coming in from the portfolio, and he says that cushion was the worst thing that could have happened to him.
How to grow a scalable property business, from someone who has done it. John Morris started Prime Property Auctions in his attic and grew it to £1.45m revenue and 23 staff in two years.
Working abroad property investing, done for real. Mark Downie left £15,000 a month tax free in Saudi Arabia for property investing in Scotland: 8 units, £8,200 a month cash flow, a £2m portfolio.