Commercial Finance
In need of commercial financing?
We have the knowledge and the experience and access to the wider market
For a company purchasing a commercial property to trade from can prove to be a valuable investment. The property becomes an owned asset of the company rather than renting under the terms of a lease. Equally, as an investor or landlord, a commercial property investment to produce rent can also a valuable asset.
As independent Mortgage Brokers we have market access to a wide range of both mainstream and niche lenders. This means that we can source the right kind of commercial finance deal at the most attractive interest rates and on the most favourable terms.
Here is an example of the types of properties where we can help arrange commercial finance:
Hotels
Pubs
Restaurants
Warehouses
Factories
Shops and Offices
Leisure Centres
Cafes
Garages
Galleries
Doctors and Dentists surgeries
Delicatessens
Bakeries
Food processing plants
Garden centres
Please contact us even if you can’t see your desired property on the list above.
Commercial premises that are in part used for residential purposes are seen as semi commercial*.
For both commercial and semi commercial buildings the lending criteria is typically as follows:
Repayments: can be either interest only or capital + interest repayment.
Loans available: up to 75% of the property value (dentists and doctors premises up to 100% LTV).
Property type: all considered.
Credit history: some lenders will offer flexibility on historical adverse credit issues.
Landlord experience: not always essential for some lenders.
Owner-occupied lending: can be acceptable with some lenders.
Residential element: where part of the property is for residential use, the owner may occupy up to 40%.
We also offer advice on funding for plant and machinery, invoice discounting, building extensions and refurbishment.
In fact, whatever you commercial funding requirements are, please get in touch and find out how we can help you.
*The FCA does not regulate unregulated bridging/commercial. Regulated bridging loans are regulated by the FCA
