Built for UK limited companies that want whole-of-market access without panel restrictions or hidden commission spreads.
I founded Bedrock because mid-market businesses need more than a list of lenders. A manufacturer funding a production line, a property business arranging development finance, and a company managing working-capital pressure are solving different problems. The finance should be built around the business, not pushed through the same route.
I wanted the starting point to be the business: what the funding is for, how repayments fit its cashflow, and which trade-offs are acceptable. That means looking beyond a preferred panel and explaining why an option fits, not just forwarding a quote.
Bedrock is deliberately focused on commercial finance for UK limited companies. The aim is practical: give each business a clear view of the relevant market, the costs and constraints of each route, and the next step it can take.
Independent. Specialist. Straightforward. The same three rules apply whether the facility is £100k or £20m.
Commercial finance is the only thing we do. We place across the full stack, from working-capital facilities to equity raises, and we know the funder community at depth.
Whole of market. No panel restriction, no preferred-lender fee splits that steer the recommendation, no retained relationships that protect the funder over the borrower.
Transparent process, transparent pricing. You see the lender quotes we see. No commission spread hidden inside the headline rate, no surprise fees on the close statement.
Lucy founded Bedrock to give UK limited companies a specialist route through commercial finance. She leads the business and handles the first conversation, starting with the funding need and the company's position before considering lenders or products.
Her approach is the premise behind Bedrock: show businesses the relevant options, explain the trade-offs, and make the next step clear.
Scott supports Bedrock in a consulting capacity.
Bedrock Commercial Finance is part of the Apex Aspire group and shares the group's brand identity.
Five minutes on a call gives us enough to come back with indicative options once we've sounded out the market.
