Commercial Finance

The commercial finance sector presents businesses an opportunity to create new and diverse income opportunities through the use of specialist lending.

Benefits of Commercial Funding

Commercial Funding can prevent you from missing out on additional revenue streams. Adding commercial funding as a string to your proverbial bow is certainly a wise move! Our panel of lenders are able to cover commercial funding in its entirety, from A-Z, and we can broker deals with anyone from high-street banks down to niche, specialist lenders.

Lending Areas

If you’re unfamiliar with commercial finance, it’s worth noting that it covers a broad spectrum of lending areas including:

Owner occupied/trading businesses looking to purchase or refinance their own premises.

Residential investment loans covering properties that are being purchased for rental return and capital gain.

Commercial investment loans covering properties that are being purchased for rental return and capital gain.


Typical Client Scenarios

In the commercial finance sector, the typical client scenarios are as follows:

Ltd companies, LLPs, pension funds, charities and trusts. Classed as unusual borrowers’.

Renting a business premises where the mortgage repayments would be less than the rent.

A business looking to borrow on an interest only basis.

Struggling to re-finance their buy-to-let portfolio with mainstream lenders.

Types of finance covered within this sector:

Multiple units/apartment blocks (under one title).

Single freehold units.

Flats above commercial premises.

Retail units, industrial units and warehouses.

Single offices/office blocks.

Forecourts, petrol stations and car washes.

Public houses, restaurants, hotels and guest houses.

Care/nursing homes, child day care nurseries. Holiday and caravan parks.

Criteria Overview:

Market-leading rates.

Up to 100% LTV (with additional security).

Loans from £50k with no upper limit.

Interest-only options.

Fixed and variable rates.

Lending in England, Scotland, Wales and Northern Ireland.

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