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Commercial and Business Finance

For borrowers looking to raise between £25,000 to £200m our process is geared towards being simple, quick and flexible. Our mortgage products are always available on a 30 year term, generally up to 80% LTV and allow self certification of income. It is important to distinguish that we provide a mortgage product and therefore the advance is made against the market value of the property, excluding goodwill and any fixtures or fittings.

We may be able to arrange 100% of purchase price for sitting tenants purchasing at a discount (subject to this not exceeding our LTV restrictions on valuation) and 100% advances may be made with additional security (either residential or commercial property) from the borrower. The product is available at a margin of between 1.0% to 5.0% over Libor depending upon the LTV and borrower status.
We can arrange Commercial Finance for the following;

  • Rates from 1% over LIBOR 
  • With/Without Accounts
  • Self Certification of income acceptable
  • Max 80% LTV on all commercial products
  • 100% advances available with additional security
  • Adverse Credit History considered
  • Self Employed/Employed
  • All types of commercial propositions considered
  • 10 to 30 year terms available, with 3-5 year interest only option
  • £50,000 to £200m
  • 2 hour decision in principle facility, same day, mortgage offers
  • No interviews or business plans required
The product can be used for any purpose including;

  • New business start-ups
  • Business turnaround solutions
  • Short Term Finance and debt consolidation
  • Working Capital raising
  • Property improvement
  • Business expansion

Our Market


The specialist commercial mortgage sector caters for the financial needs of small-and-medium-sized limited companies, partnerships and sole traders throughout the UK – customers that have been overlooked by traditional high-street lenders. Today there are millions of people that fall into this category.

In 2003, the respected market research organisation Datamonitor, identified 7.6 million people that fall outside the lending criteria set by high street lenders. This large group of people consists of company directors, the self-employed, contract and casual workers, and people with impaired credit histories.

Business people with specialist mortgage needs typically find themselves disenfranchised because they are unable to provide three years’ audited accounts and detailed business plans; the property they wish to purchase may not be a “standard” commercial deal; their may be bank imposed restrictions. Increasingly borrowers are frustrated by the speed in which an institutional lender moves, the delay in receiving a decision and the disruption that results for their business.  Click Here for Quick Enquiry Form  or call 0845 460 6616.
 
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Commercial  Finance

  • Rate's from 1% over LIBOR
  • £50,000 - £200m
  • 80% - 100% LTV with additional security
  • 10-30 year term available
  • Adverse Credit Considered
  • No interviews, business plans or Accounts required (Self Certification)
  • Fast Completions
  • Employed-Self Employed
Find out more

Latest News

The average homebuyer puts down a 22% deposit in June, up from 20% in May, show figures form the Council of Mortgage Lenders. The majority of lending continues to be on conservative terms, as lending criteria have tightened in response to the shortage of funding and current market conditions.  The average first time-buyer borrowed 3.33 times their income, down from 3.35 in May. While the average home mover borrowed 2.94 times their income, down from 2.97 in May.

Click Here for The Full Story

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Quick Quote

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Bridging Loans

  • Daily bridging rates from just 0.025%
  • Monthly rates from just 0.58%
  • 80% LTV 100% with additional security
  • 2-10 Day Completions
  • No Minimum Term
  • Daily Interest
  • Interest Roll up
  • Same day offer
  • Open Ended/Closed bridging available
  • No Exit Fee's
  • Adverse Credit Considered
  • All types of Bridging propositions considered
Find out more