Charles and Dean Reviews
Charles & Dean, a family-owned broker with nearly 100 years' experience, offers bespoke car and business finance with exceptional customer service and a 5-star Trustpilot rating.
5
/
5
Charles & Dean has been exactly that. Their expertise in commercial finance has been instrumental.
Adam Fox
5
/
5
The team at Charles & Dean have excelled throughout this process - brilliant support.
Mat Ankers
5
/
5
I've been a car lover for as long as I can remember... helped by Charles & Dean.
Tomi Adenlé
5
/
5
Charles & Dean played an instrumental role in helping us to bring Gilgamesh to Covent Garden.
Andy Christopher
5
/
5
I’m into my fifth year now with Charles & Dean funding my car collection.
Thomas Exton
5
/
5
I am delighted that Charles & Dean sees a future in agriculture and supports us.
James Peck
Explore Charles and Dean's Finance Solutions:
Loan Type:
Asset Finance (Hire Purchase / Finance Lease / Operating Lease)
Loan Range:
£5,000 – £20,000,000
Loan Terms:
12 months to 84 months
Minimum Turnover and Trading Age:
Typically 12 months trading; turnover £100,000+ preferred
Interest Rate / Factor Rate:
5.9% – 12.9% flat equivalent (varies by asset age and credit profile)
Fees:
Documentation fee £150-£295; arrangement fee up to 2% of advance; option-to-purchase £10-£100 (HP only); early settlement interest rebate may be discounted but not fully waived
Loan Type:
Vehicle Finance (Prestige, Classic & Commercial Vehicles)
Loan Range:
£10,000 – £2,000,000
Loan Terms:
24 months to 60 months (balloon/PCP style options up to 48 months)
Minimum Turnover and Trading Age:
6–12 months trading for business users; no trading history for personal high-net-worth applicants
Interest Rate / Factor Rate:
6.5% – 10.9% flat equivalent
Fees:
Arrangement fee 1%–2%; documentation fee £150; early settlement fee 1 month interest
Loan Type:
Unsecured Business Loan / Working Capital Loan
Loan Range:
£25,000 – £500,000
Loan Terms:
6 months to 60 months
Minimum Turnover and Trading Age:
Minimum 12 months trading; £250,000 annual turnover preferred
Interest Rate / Factor Rate:
7.9% – 24.9% APR representative
Fees:
Arrangement fee 2% – 5%; no early repayment fee after 12 months (lender specific)
Loan Type:
Invoice Finance (Factoring & Confidential Invoice Discounting)
Loan Range:
Up to 90% of invoice value; typical £50,000 – £5,000,000 facility limits
Loan Terms:
Revolving, cancellable with 30–90 days’ notice
Minimum Turnover and Trading Age:
£500,000 annual turnover; 6+ months trading
Interest Rate / Factor Rate:
1.5% – 3.5% over base + service fee 0.2% – 3% of turnover
Fees:
Service fee on gross invoices; trust account fee £15-£30/month; audit fees periodically
Loan Type:
Property & Bridging Finance
Loan Range:
£50,000 – £25,000,000
Loan Terms:
3 months to 24 months (bridging) / up to 20 years (commercial mortgage)
Minimum Turnover and Trading Age:
No minimum trading for investment property; 12 months for owner-occupied
Interest Rate / Factor Rate:
0.59% – 1.2% per month (bridging); 4.5% – 8.5% p.a. (commercial mortgage)
Fees:
Arrangement fee 1%–2%; exit fee 0%–1%; valuation and legal costs payable by borrower
Loan Type:
Asset Refinance (Equity Release)
Loan Range:
£25,000 – £5,000,000 (up to 80% of asset forced-sale value)
Loan Terms:
12 months to 60 months
Minimum Turnover and Trading Age:
12 months trading history
Interest Rate / Factor Rate:
6.9% – 13.9% flat equivalent
Fees:
Valuation/inspection £200+; arrangement fee up to 2%; legal doc fee £180
Agent stopped due to max iterations.
FAQ’S
What is Supply Chain Finance as provided by Charles & Dean?
What are the benefits of Personal Contract Purchase (PCP) car finance with Charles & Dean?
What does Hire Purchase (HP) finance from Charles & Dean include?
What is Lease Purchase car finance offered by Charles & Dean?
Can I apply for a loan from Charles and Dean directly through Funding Agent?
We Like To Keep Things Simple
Match with
150+
Lenders
Loans from
£1000
to
£500K
to
£500K
zero hidden fees
