Commercial Expertise
Business Finance Solutions
From high-street banks to specialist lenders, we structure complex deals to support your business growth and investment goals.
Commercial Mortgages
Secure the future of your business with a tailored commercial mortgage. Whether you are purchasing your own trading premises or refinancing to release capital for expansion, we help structure facilities that align with your cash flow and long term plans. We have access to a wide panel of high street banks and specialist challenger lenders.
- Up to 75% LTV for owner occupied trading premises (subject to lender criteria)
- Interest only and capital and interest options to manage monthly cash flow
- Funding for retail, office, industrial and leisure assets
- Experience with complex ownership structures, including SIPP/SSAS lending
Semi Commercial
Mixed use properties, such as flats above shops, require a nuanced approach. We work with lenders who understand the interaction between commercial and residential elements to help secure terms that reflect the true value of your property. Whether the commercial unit is vacant or tenanted, we can introduce lenders that are comfortable with your asset profile.
- Funding based on combined commercial and residential value (where applicable)
- Solutions for both owner occupiers and investors
- Higher LTV options where there is a strong residential component
- Interest only terms available with certain lenders to support rental profits
HMO & MUFB
Specialist finance can help you maximise portfolio yield for Houses in Multiple Occupation (HMOs) and Multi Unit Freehold Blocks (MUFBs). Some mainstream lenders are cautious about these more complex assets, but we work with specialist providers that can consider investment value as well as standard bricks and mortar valuations.
- Options for valuations based on investment value, subject to lender criteria
- Funding for large HMOs (including 6+ beds) and student lets
- Solutions available for experienced and, in some cases, first time landlords
- Limited company and SPV lending options
Bridging Finance
When speed is critical, bridging finance can provide short term funding to bridge a gap. Whether you are breaking a property chain, purchasing at auction, or need to complete before long term finance is in place, we work with lenders who can move quickly, subject to valuation and legal work.
- Decisions in principle typically available within a short timescale, with funds following once conditions are met
- Rolled up interest options to reduce monthly payments
- Solutions that may be available for properties not currently suitable for standard mortgages
Development Finance
Development funding can help you turn your plans into completed projects. From ground up construction to heavy refurbishment of commercial or residential units, we help source facilities that match your build programme, cost profile and exit plans.
- Lending of up to around 70% of Gross Development Value (GDV), depending on scheme and lender
- Funding towards build costs, typically released in stages against progress
- Potential for mezzanine or top up funding in some circumstances
- Support with exit strategy planning to help ensure a clear route to repayment
Auction Finance
Buying at auction requires speed and certainty around funding timelines. Auction finance can help you meet strict completion deadlines, provided legal and valuation requirements are satisfied within the timescale.
- Indicative decisions in principle available before auction, where information is provided in advance
- Fast completion processes designed to meet typical auction deadlines
- Funding considered for properties in a range of conditions, subject to lender criteria
- Short term facilities available from around 1 to 24 months
Development Exit Finance
Every short term or development facility should have a clear exit. Development exit finance can provide time to sell, refinance or stabilise income, helping reduce cost and risk once construction is complete.
- Refinancing options to move from development or bridging finance onto medium or longer term facilities
- Consideration of realistic sale timelines and market conditions
- Ability to explore contingency options where plans change
- Lender relationships that can support projects through their full lifecycle
Asset Finance
Your business needs the right tools to grow. Asset finance allows you to spread the cost of equipment, vehicles, machinery and technology over an agreed term, helping preserve working capital.
- Hire Purchase, Finance Lease and other facility types
- Options to refinance existing assets to release cash
- Funding available for both hard assets (e.g. plant, vehicles) and selected soft assets (e.g. IT, certain software), subject to lender appetite
- Potential tax efficient structures, depending on your circumstances and professional tax advice
Ready to proceed?
Get a tailored commercial finance quote today.