James William & Co Capital
Commercial Finance. Bespoke Service.
"Excellent service from James. It was a transparent, smooth and easy process."
About us
About us
About us
commercial lending specialists
Welcome to James William & Co finance, your trusted specialist broker focused on financing your project. Our process is dedicated to transforming lending with more precision and care - using 10 years of experience to help you build development projects, commercial businesses, kitchens, bathrooms, houses/full sites, and so much more. We take pride in delivering top-quality advice alongside a seamless customer service experience.
Not everything is possible due to cost or profit margins - but we show you the workings out so you can make the decisions better informed.
Our mission is to bring your vision to life while ensuring clear communication and expert guidance at every step.
Let’s collaborate to discuss things through, first.
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Years experience
Improving homes with expert craftsmanship for years
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Years experience
Improving homes with expert craftsmanship for years
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Years experience
Improving homes with expert craftsmanship for years
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Projects completed
My partners and I have over 250 successful projects delivered with quality and care
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Projects completed
My partners and I have over 250 successful projects delivered with quality and care
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Projects completed
My partners and I have over 250 successful projects delivered with quality and care
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Caring Approach
Our personal touch is built in but fast solutions are possible.
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Caring Approach
Our personal touch is built in but fast solutions are possible.
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Caring Approach
Our personal touch is built in but fast solutions are possible.
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Bespoke Service
All of our clients are treated case by case - with dynamic referrals.
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Bespoke Service
All of our clients are treated case by case - with dynamic referrals.
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Bespoke Service
All of our clients are treated case by case - with dynamic referrals.
Services
Services
Services
What we do
Find out which one of our services fit the needs of your project
Commercial term loans
Standard business loans providing a lump sum for a defined purpose (such as expansion, refurbishment or debt consolidation), repaid over an agreed term with fixed or variable interest. These can be secured (against property or assets) or unsecured, with amounts and pricing based on trading performance and credit strength.
Commercial mortgages
Long‑term loans secured on business premises or investment property, used to buy, refinance or release equity from offices, industrial units, retail, or mixed‑use buildings. Repayments are spread over several years, often with lower rates than unsecured borrowing, and affordability is assessed on business income or rental yield
Asset finance (equipment & vehicle finance)
Funding to acquire or lease vehicles, machinery, technology or other equipment, with the asset itself usually acting as security. This can preserve working capital by spreading the cost, using hire purchase, leasing or asset‑based lending structures.
Invoice finance / cashflow finance
Facilities such as invoice factoring, invoice discounting or merchant cash advances that release cash tied up in unpaid invoices or card sales. They help smooth cash flow, cover day‑to‑day costs and support growth where payment terms are long or seasonal.
Working capital facilities & lines of credit
Revolving overdrafts or credit lines that allow a business to draw, repay and redraw funds up to an agreed limit as needed. These are typically used for short‑term needs such as payroll, stock, or bridging timing gaps between outgoings and income.
Commercial property & development / bridging finance
Specialist funding for purchasing, refurbishing or developing commercial or mixed‑use property, often on a short‑ to medium‑term, interest‑only basis. This includes commercial bridging loans to move quickly on acquisitions and development finance to fund construction or major renovations before refinancing or sale.
Commercial term loans
Standard business loans providing a lump sum for a defined purpose (such as expansion, refurbishment or debt consolidation), repaid over an agreed term with fixed or variable interest. These can be secured (against property or assets) or unsecured, with amounts and pricing based on trading performance and credit strength.
Commercial mortgages
Long‑term loans secured on business premises or investment property, used to buy, refinance or release equity from offices, industrial units, retail, or mixed‑use buildings. Repayments are spread over several years, often with lower rates than unsecured borrowing, and affordability is assessed on business income or rental yield
Asset finance (equipment & vehicle finance)
Funding to acquire or lease vehicles, machinery, technology or other equipment, with the asset itself usually acting as security. This can preserve working capital by spreading the cost, using hire purchase, leasing or asset‑based lending structures.
Invoice finance / cashflow finance
Facilities such as invoice factoring, invoice discounting or merchant cash advances that release cash tied up in unpaid invoices or card sales. They help smooth cash flow, cover day‑to‑day costs and support growth where payment terms are long or seasonal.
Working capital facilities & lines of credit
Revolving overdrafts or credit lines that allow a business to draw, repay and redraw funds up to an agreed limit as needed. These are typically used for short‑term needs such as payroll, stock, or bridging timing gaps between outgoings and income.
Commercial property & development / bridging finance
Specialist funding for purchasing, refurbishing or developing commercial or mixed‑use property, often on a short‑ to medium‑term, interest‑only basis. This includes commercial bridging loans to move quickly on acquisitions and development finance to fund construction or major renovations before refinancing or sale.
Commercial term loans
Standard business loans providing a lump sum for a defined purpose (such as expansion, refurbishment or debt consolidation), repaid over an agreed term with fixed or variable interest. These can be secured (against property or assets) or unsecured, with amounts and pricing based on trading performance and credit strength.
Commercial mortgages
Long‑term loans secured on business premises or investment property, used to buy, refinance or release equity from offices, industrial units, retail, or mixed‑use buildings. Repayments are spread over several years, often with lower rates than unsecured borrowing, and affordability is assessed on business income or rental yield
Asset finance (equipment & vehicle finance)
Funding to acquire or lease vehicles, machinery, technology or other equipment, with the asset itself usually acting as security. This can preserve working capital by spreading the cost, using hire purchase, leasing or asset‑based lending structures.
Invoice finance / cashflow finance
Facilities such as invoice factoring, invoice discounting or merchant cash advances that release cash tied up in unpaid invoices or card sales. They help smooth cash flow, cover day‑to‑day costs and support growth where payment terms are long or seasonal.
Working capital facilities & lines of credit
Revolving overdrafts or credit lines that allow a business to draw, repay and redraw funds up to an agreed limit as needed. These are typically used for short‑term needs such as payroll, stock, or bridging timing gaps between outgoings and income.
Commercial property & development / bridging finance
Specialist funding for purchasing, refurbishing or developing commercial or mixed‑use property, often on a short‑ to medium‑term, interest‑only basis. This includes commercial bridging loans to move quickly on acquisitions and development finance to fund construction or major renovations before refinancing or sale.
Our work
Our work
Our work
Get inspired by resilience
Our approach quotes and works hard first - to present a suitable deal. See how we’ve transformed clients needs with our expert craftsmanship and attention to detail.
Refit Your Dream
Complex multi-property deal put together with a lender to fund it.
Kitchen
4 weeks
Had a really good experience using James. He seems to have good relationships with the lender's business development teams, and so gets us quick answers to our many queries! Really responsive and flexible with his time too.
Rachel, LTD Company DIrector
Refit Your Dream
Complex multi-property deal put together with a lender to fund it.
Kitchen
4 weeks
Had a really good experience using James. He seems to have good relationships with the lender's business development teams, and so gets us quick answers to our many queries! Really responsive and flexible with his time too.
Rachel, LTD Company DIrector
Refit Your Dream
Complex multi-property deal put together with a lender to fund it.
Kitchen
4 weeks
Had a really good experience using James. He seems to have good relationships with the lender's business development teams, and so gets us quick answers to our many queries! Really responsive and flexible with his time too.
Rachel, LTD Company DIrector
External garden path build
We searched far and wide to solve a complex funding requirement - by carefully contacting banks directly with care and detail - things became clear, and lending was possible.
External Works
1 month
Fantastic Mortgage broker. Reliable and timely service. Very flexible. Will speak at any time incl. weekends and evenings. Would highly recommend and use again.
Michael Turner
External garden path build
We searched far and wide to solve a complex funding requirement - by carefully contacting banks directly with care and detail - things became clear, and lending was possible.
External Works
1 month
Fantastic Mortgage broker. Reliable and timely service. Very flexible. Will speak at any time incl. weekends and evenings. Would highly recommend and use again.
Michael Turner
External garden path build
We searched far and wide to solve a complex funding requirement - by carefully contacting banks directly with care and detail - things became clear, and lending was possible.
External Works
1 month
Fantastic Mortgage broker. Reliable and timely service. Very flexible. Will speak at any time incl. weekends and evenings. Would highly recommend and use again.
Michael Turner
Bathroom renovation
We revitalized this clients experience of funding - with a fresh, modern detailed approach, incorporating high-end lenders into the mix alongside traditional high street.
Bathroom
6 weeks
Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services
Laura Davies
Bathroom renovation
We revitalized this clients experience of funding - with a fresh, modern detailed approach, incorporating high-end lenders into the mix alongside traditional high street.
Bathroom
6 weeks
Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services
Laura Davies
Bathroom renovation
We revitalized this clients experience of funding - with a fresh, modern detailed approach, incorporating high-end lenders into the mix alongside traditional high street.
Bathroom
6 weeks
Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services
Laura Davies
Testimonials
Testimonials
Testimonials
Hear from our clients
Hear from our happy clients about their experience working with Refit and the quality of our craftsmanship.
I was referred to James by a friend who had a great experience working with him. Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services.
Fran
James has been excellent throughout our house buying process, from helping us consider all the options to holding our hands through the processes of working with mortgage lenders and solicitors. Highly recommend. Always quick to respond and very professional.
Amy
Excellent service from James. It was a transparent, smooth and easy process and incredibly quick too for our remortgage on our current property. Now we need to find a house and start over again which we will do through James.
Adrian
James has been excellent in helping us obtain a mortgage and helping us find our insurances for purchasing a property. I would thoroughly recommend him. He’s helped us all the way through and has always been there to answer our questions at all times.
Daniel Foster
Great service from initial enquiry right through until after the exchange. James is extremely professional, friendly and easy to talk to. He found far better products than our local mortgage brokers and we have booked in for our remortgage already.
Charlotte Harris
Had a really good experience using James at JWD for 3 recent mortgages. I'd moved away from previous big company brokers, as they just seemed too busy to take the time to find the right product. James however excelled at providing a bespoke service, and successfully led us to 3 mortgage offers with 3 different lenders, for 3 different sets of circumstances.
Full Cycle Property Ltd
Had a really good experience using James at JWD for 3 recent mortgages. I'd moved away from previous big company brokers, as they just seemed too busy to take the time to find the right product. James however excelled at providing a bespoke service, and successfully led us to 3 mortgage offers with 3 different lenders, for 3 different sets of circumstances.
Full Cycle Property Ltd
Great service from initial enquiry right through until after the exchange. James is extremely professional, friendly and easy to talk to. He found far better products than our local mortgage brokers and we have booked in for our remortgage already.
Charlotte Harris
James has been excellent in helping us obtain a mortgage and helping us find our insurances for purchasing a property. I would thoroughly recommend him. He’s helped us all the way through and has always been there to answer our questions at all times.
Daniel Foster
Excellent service from James. It was a transparent, smooth and easy process and incredibly quick too for our remortgage on our current property. Now we need to find a house and start over again which we will do through James.
Adrian
James has been excellent throughout our house buying process, from helping us consider all the options to holding our hands through the processes of working with mortgage lenders and solicitors. Highly recommend. Always quick to respond and very professional.
Amy
I was referred to James by a friend who had a great experience working with him. Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services.
Fran
I was referred to James by a friend who had a great experience working with him. Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services.
Fran
James has been excellent throughout our house buying process, from helping us consider all the options to holding our hands through the processes of working with mortgage lenders and solicitors. Highly recommend. Always quick to respond and very professional.
Amy
Excellent service from James. It was a transparent, smooth and easy process and incredibly quick too for our remortgage on our current property. Now we need to find a house and start over again which we will do through James.
Adrian
James has been excellent in helping us obtain a mortgage and helping us find our insurances for purchasing a property. I would thoroughly recommend him. He’s helped us all the way through and has always been there to answer our questions at all times.
Daniel Foster
Great service from initial enquiry right through until after the exchange. James is extremely professional, friendly and easy to talk to. He found far better products than our local mortgage brokers and we have booked in for our remortgage already.
Charlotte Harris
Had a really good experience using James at JWD for 3 recent mortgages. I'd moved away from previous big company brokers, as they just seemed too busy to take the time to find the right product. James however excelled at providing a bespoke service, and successfully led us to 3 mortgage offers with 3 different lenders, for 3 different sets of circumstances.
Full Cycle Property Ltd
I was referred to James by a friend who had a great experience working with him. Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services.
Fran
James has been excellent throughout our house buying process, from helping us consider all the options to holding our hands through the processes of working with mortgage lenders and solicitors. Highly recommend. Always quick to respond and very professional.
Amy
Excellent service from James. It was a transparent, smooth and easy process and incredibly quick too for our remortgage on our current property. Now we need to find a house and start over again which we will do through James.
Adrian
James has been excellent in helping us obtain a mortgage and helping us find our insurances for purchasing a property. I would thoroughly recommend him. He’s helped us all the way through and has always been there to answer our questions at all times.
Daniel Foster
Great service from initial enquiry right through until after the exchange. James is extremely professional, friendly and easy to talk to. He found far better products than our local mortgage brokers and we have booked in for our remortgage already.
Charlotte Harris
Had a really good experience using James at JWD for 3 recent mortgages. I'd moved away from previous big company brokers, as they just seemed too busy to take the time to find the right product. James however excelled at providing a bespoke service, and successfully led us to 3 mortgage offers with 3 different lenders, for 3 different sets of circumstances.
Full Cycle Property Ltd
I was referred to James by a friend who had a great experience working with him. Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services.
Fran
James has been excellent throughout our house buying process, from helping us consider all the options to holding our hands through the processes of working with mortgage lenders and solicitors. Highly recommend. Always quick to respond and very professional.
Amy
Excellent service from James. It was a transparent, smooth and easy process and incredibly quick too for our remortgage on our current property. Now we need to find a house and start over again which we will do through James.
Adrian
James has been excellent in helping us obtain a mortgage and helping us find our insurances for purchasing a property. I would thoroughly recommend him. He’s helped us all the way through and has always been there to answer our questions at all times.
Daniel Foster
Great service from initial enquiry right through until after the exchange. James is extremely professional, friendly and easy to talk to. He found far better products than our local mortgage brokers and we have booked in for our remortgage already.
Charlotte Harris
Had a really good experience using James at JWD for 3 recent mortgages. I'd moved away from previous big company brokers, as they just seemed too busy to take the time to find the right product. James however excelled at providing a bespoke service, and successfully led us to 3 mortgage offers with 3 different lenders, for 3 different sets of circumstances.
Full Cycle Property Ltd
I was referred to James by a friend who had a great experience working with him. Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services.
Fran
James has been excellent throughout our house buying process, from helping us consider all the options to holding our hands through the processes of working with mortgage lenders and solicitors. Highly recommend. Always quick to respond and very professional.
Amy
Excellent service from James. It was a transparent, smooth and easy process and incredibly quick too for our remortgage on our current property. Now we need to find a house and start over again which we will do through James.
Adrian
James has been excellent in helping us obtain a mortgage and helping us find our insurances for purchasing a property. I would thoroughly recommend him. He’s helped us all the way through and has always been there to answer our questions at all times.
Daniel Foster
Great service from initial enquiry right through until after the exchange. James is extremely professional, friendly and easy to talk to. He found far better products than our local mortgage brokers and we have booked in for our remortgage already.
Charlotte Harris
Had a really good experience using James at JWD for 3 recent mortgages. I'd moved away from previous big company brokers, as they just seemed too busy to take the time to find the right product. James however excelled at providing a bespoke service, and successfully led us to 3 mortgage offers with 3 different lenders, for 3 different sets of circumstances.
Full Cycle Property Ltd
I was referred to James by a friend who had a great experience working with him. Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services.
Fran
James has been excellent throughout our house buying process, from helping us consider all the options to holding our hands through the processes of working with mortgage lenders and solicitors. Highly recommend. Always quick to respond and very professional.
Amy
Excellent service from James. It was a transparent, smooth and easy process and incredibly quick too for our remortgage on our current property. Now we need to find a house and start over again which we will do through James.
Adrian
James has been excellent in helping us obtain a mortgage and helping us find our insurances for purchasing a property. I would thoroughly recommend him. He’s helped us all the way through and has always been there to answer our questions at all times.
Daniel Foster
Great service from initial enquiry right through until after the exchange. James is extremely professional, friendly and easy to talk to. He found far better products than our local mortgage brokers and we have booked in for our remortgage already.
Charlotte Harris
Had a really good experience using James at JWD for 3 recent mortgages. I'd moved away from previous big company brokers, as they just seemed too busy to take the time to find the right product. James however excelled at providing a bespoke service, and successfully led us to 3 mortgage offers with 3 different lenders, for 3 different sets of circumstances.
Full Cycle Property Ltd
Had a really good experience using James at JWD for 3 recent mortgages. I'd moved away from previous big company brokers, as they just seemed too busy to take the time to find the right product. James however excelled at providing a bespoke service, and successfully led us to 3 mortgage offers with 3 different lenders, for 3 different sets of circumstances.
Full Cycle Property Ltd
Great service from initial enquiry right through until after the exchange. James is extremely professional, friendly and easy to talk to. He found far better products than our local mortgage brokers and we have booked in for our remortgage already.
Charlotte Harris
James has been excellent in helping us obtain a mortgage and helping us find our insurances for purchasing a property. I would thoroughly recommend him. He’s helped us all the way through and has always been there to answer our questions at all times.
Daniel Foster
Excellent service from James. It was a transparent, smooth and easy process and incredibly quick too for our remortgage on our current property. Now we need to find a house and start over again which we will do through James.
Adrian
James has been excellent throughout our house buying process, from helping us consider all the options to holding our hands through the processes of working with mortgage lenders and solicitors. Highly recommend. Always quick to respond and very professional.
Amy
I was referred to James by a friend who had a great experience working with him. Throughout my whole experience working together, James has been exceptionally responsive and helpful, explaining the process, as well as the current market, without any pressure to commit to using his services.
Fran
FAQs
FAQs
FAQs
Answering your questions
Answering your questions
Answering your questions
Got more questions? Send us your enquiry below
Got more questions? Send us your enquiry below
Got more questions? Send us your enquiry below
What area are you based in?
We primarily serve Bath, Cornwall and London with surrounding areas, but depending on the project, we may be able to travel further. Get in touch to discuss your location and project needs.
How long does a typical project take?
Project timelines vary depending on the scope of work. A renovation can take a few weeks, while larger full site projects like development or commercial deals - will take several months. We provide clear timelines before starting any work.
Do you offer free quotes?
Yes! We offer free, no-obligation quotes. After an initial consultation, we’ll assess your project needs and charge an advice fee plus earn commission from the deal.
Do you offer standard residential mortgages?
Yes. If you want to remortgage or buy a home - we have an experienced residential team to help you.
Are you FCA registered and fully compliant?
We are setting up as an Appointed Representative - and taking cautious yet practical steps to ensure your safe journey.
Can I build a home using your self build service?
Yes. Everything depends on the type of work being carried out. For smaller projects like bathrooms and kitchens, staying at home may be possible with minimal disruption. However, larger renovations and structural work may require more complex lending. We’ll discuss this with you before starting.
How do I get started with you?
Simply get in touch! We’ll arrange a consultation to discuss your vision, assess your space, and provide expert advice. From there, we’ll give you a quote and a clear plan for moving forward.
What area are you based in?
We primarily serve Bath, Cornwall and London with surrounding areas, but depending on the project, we may be able to travel further. Get in touch to discuss your location and project needs.
How long does a typical project take?
Project timelines vary depending on the scope of work. A renovation can take a few weeks, while larger full site projects like development or commercial deals - will take several months. We provide clear timelines before starting any work.
Do you offer free quotes?
Yes! We offer free, no-obligation quotes. After an initial consultation, we’ll assess your project needs and charge an advice fee plus earn commission from the deal.
Do you offer standard residential mortgages?
Yes. If you want to remortgage or buy a home - we have an experienced residential team to help you.
Are you FCA registered and fully compliant?
We are setting up as an Appointed Representative - and taking cautious yet practical steps to ensure your safe journey.
Can I build a home using your self build service?
Yes. Everything depends on the type of work being carried out. For smaller projects like bathrooms and kitchens, staying at home may be possible with minimal disruption. However, larger renovations and structural work may require more complex lending. We’ll discuss this with you before starting.
How do I get started with you?
Simply get in touch! We’ll arrange a consultation to discuss your vision, assess your space, and provide expert advice. From there, we’ll give you a quote and a clear plan for moving forward.
What area are you based in?
We primarily serve Bath, Cornwall and London with surrounding areas, but depending on the project, we may be able to travel further. Get in touch to discuss your location and project needs.
How long does a typical project take?
Project timelines vary depending on the scope of work. A renovation can take a few weeks, while larger full site projects like development or commercial deals - will take several months. We provide clear timelines before starting any work.
Do you offer free quotes?
Yes! We offer free, no-obligation quotes. After an initial consultation, we’ll assess your project needs and charge an advice fee plus earn commission from the deal.
Do you offer standard residential mortgages?
Yes. If you want to remortgage or buy a home - we have an experienced residential team to help you.
Are you FCA registered and fully compliant?
We are setting up as an Appointed Representative - and taking cautious yet practical steps to ensure your safe journey.
Can I build a home using your self build service?
Yes. Everything depends on the type of work being carried out. For smaller projects like bathrooms and kitchens, staying at home may be possible with minimal disruption. However, larger renovations and structural work may require more complex lending. We’ll discuss this with you before starting.
How do I get started with you?
Simply get in touch! We’ll arrange a consultation to discuss your vision, assess your space, and provide expert advice. From there, we’ll give you a quote and a clear plan for moving forward.
Contact
Contact
Contact
Get in touch
For any enquiries or to explore your vision further, we invite you to contact our professional team using the details provided below.
Office
Flat 5 Felicia House, 72 Henver Road, Newquay, TR7 3FR
Flat 5 Felicia House, 72 Henver Road,
Newquay, TR7 3FR
Flat 5 Felicia House, 72 Henver Road, Newquay, TR7 3FR
jamesdawes@jwcapital.co.uk
Telephone
07961 296346