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Commercial mortgages (or business mortgages) enable individuals and companies to buy or re-mortgage a property to be used as business premises.

We have access to a huge range of lenders including major banks, commercial building societies and specialist commercial lenders. Our aim is to always find the most appropriate commercial lender for your needs. We can find commercial finance for proposals with limited accounting information, imperfect credit records and short trading history. We can help you to find the very best lender for your requirements; balancing deposit size with rates and the best financial structure for you.

Rates for business mortgages are dependent on your industry sector and by your business’ performance and your own individual track record. It is therefore essential that you seek the advice of a professional underwriter to discuss your requirement in detail as there may be ways of reducing the costs or getting a better structure to your borrowing. We can help you.


Commercial Investment is commercial property (typically commercial space or semi-commercial- retail space with residential above) bought with the specific purpose to let.


We can arrange commercial products for most types of business premises, and also arrange funding on niche propositions including guest houses, health clubs, pub and restaurants, schools, care homes, doctors’ surgeries and many more.

  • Buy to Let (BTL)
    Investment property bought with the explicit purpose of letting to generate an income for the owner. Portfolio BTLs are typically units of more than 4 on one or separate titles by the same owner. If you are, experienced property professionals with a successful track record in the sector or an investor with less experience but with suitable assets and income in the background, we can help you to realise your finance your property purchase. We can arrange finance for property investments for most types of premises, and also arrange funding on niche propositions including portfolio BTLs, single unit, multi-units, semi-commercial properties, HMOs, Student Lets, Holiday Lets, Bed and Breakfast and many more.
  • Development Finance
    Development finance can use used for many types of development, from small developments to major projects. For the residential developer, we can arrange funding for single or multiple house plots, small blocks of flats, terraces or townhouses. We can also arrange funding large-scale residential developments. Development Loans can be arranged for the following: Shops refurbishment Shop conversion projects Construction of industrial units (warehouses and workshops) Construction of office blocks Land with planning permission Conversion of offices into residential property Refurbishment of flats Restaurant refits Auction properties Purchase of pub to convert into residential Doctors’ surgeries We have lenders which are able to respond quickly and imaginatively and are often able to deliver a higher loan commitment to value than non-specialist lenders.
  • Bridging and Short-Term Financing
    The classic use for bridging finance is being able to purchase a property before selling an existing one. Bridging ‘oils the wheels’ of the property market and helps to keep transactions moving. Bridging allows professional investors to buy property quickly, which they can then refurbish or improve. Once the work is done, they can repay the bridging loan by either selling the property or by obtaining another suitable longer-term mortgage. Bridging finance enables investors to move fast. In some cases, applicants buy properties at auction without having finance in place. Bridging loans can be agreed quickly and are ideal for providing funds at short notice. Applicants in need of cash in the short term, for example, to settle a liability or to provide cash flow for a business, can find bridging ideal for their needs. Trading or ‘Going Concern’ Businesses.
  • Secured Loans
    Secured loans (often called second-charge loans) are only available to property owners. They are used as a means of capital-raising for business purposes. These loans are secured on your premises. This means that the lender will take a legal charge on your property in a similar way that your mortgage company has a charge on your home. A ‘charge on your property’ means that if the worst comes to the worst and you can’t pay your mortgage the lender can repossess your property.
  • Unsecured Loans
    These are loans to trading businesses where no tangible security is required. Most lenders in the marketplace would lend to sole trader businesses and limited companies but the owner/director must be a property owner where the loan is in excess of £50,000. The businesses must have been trading for a minimum of 2 years and the accounts must be satisfactorily conducted in order to qualify for this type of loans. These loans are quick to arrange, once the borrower supplies all of the information in a timely manner. We can also arrange for funding for Mergers, Acquisitions, MBOs. With our strategic partners, we are in a position to structure the most cost-effective and efficient financing structure to help you with your financial goals. We also arrange funding for Charitable Organisations including Places of Worship social clubs and other similar organisations.
  • Asset Finance
    Asset finance can be used to fund the purchase of equipment to support or grow a business and many business owners prefer this route to funding over a bank loan. One of the benefits of asset finance is that it can keep valuable cash in the business for day to day operations, helping to make the business less vulnerable to market vagaries. Hire purchase is a finance agreement that is secured on the asset being funded. Payments can be tailored to suit your requirements and you have the opportunity to own the asset at the end of the finance period. A finance lease allows you to use the asset during the lease period, without owning it. The monthly rentals are normally 100% allowable against tax. At the end of the lease, you can either continue with nominal annual rentals or sell the asset as our agent and benefit from a proportion of the sale proceeds. We usually can secure finance for the following assets: Cars Light commercial vehicles Heavy commercial vehicles Bus and Coach Trailers Municipal vehicles Construction equipment Agricultural equipment Waste recycling equipment Invoice finance
  • Invoice Finance
    Invoice Finance can help your business by: Taking care of everything – your customers can deal directly with the provider, freeing your finance team to focus on other core activities. They deal with everything from chasing unpaid invoices to protecting you from the risk of customers becoming insolvent, through our bad debt protection service. Saving you time and money – factoring solution saves you time and money, releasing you from the burden of managing your sales ledger. Improving your cash flow – invoice discounting and factoring solutions enable you to receive payments more quickly, paying up to 85% of the money you’re owed normally within 24 hours of submitting an invoice. The remainder less fees is paid when the invoice is settled. Through the benefit of our partner networks and our expertise, we have many providers in the marketplace which are very keen to talk to you about your asset and invoice finance needs.
  • Asset Protection
    There are many types of Protection Policies from which to choose. You may need that Protection cover as part of the Lender’s sanction, your circumstances may have changed, your business is growing and that one person is instrumental to the survival of the business- key person protection, professional indemnity, property cover, life cover, whatever your requirements, Commercial and Business Financial Solutions can help you. Finding the most suitable cover and the right protection is not as easy as you may think. Whether it’s for business or personal, through our wide network of affiliates Commercial and Business Financial Solutions can help you to find the one that best suits your requirement. All of our Protection solutions are offered by partners qualified and regulated to provide this service.
  • Life Assurance
    A Term life insurance plan is the most basic form of life insurance and is usually the cheapest way to Insure your life. It covers you for a fixed period and pays out a one-off lump sum if you die during the policy term. With some term insurance policies, you can add additional options, for instance, critical illness cover. If you do add on critical illness cover, the plan will pay out once on a diagnosis of a qualifying critical illness or if you die during the term of the policy.
  • Whole of Life Assurance
    This type of life assurance pays out when you die, whenever that may be. It is usually, but not always, a more expensive option than term assurance simply because the life assurance company knows that it will definitely pay out at some point. Many of these plans offer some form of investment content and so can be more flexible than term assurance and can acquire cash in values
  • Business Protection
    Business Protection is cost-effective, tax efficient and remarkably affordable and can help to protect your firm and your livelihood in the event of unforeseen circumstances. Benefit schemes can be structured for your firm and insurances can be put in place to ensure you keep running, whatever or whoever tries to hold you back.
  • Key Person Protection
    Key Person protection helps safeguard a business against the financial effects of death, terminal illness, or critical illness (if chosen) of a key person. Key Person protection is life assurance or life assurance and critical illness cover (if chosen) written on the life of the key person but owned by the business so that any money due becomes payable to the employer. The business pays the premiums. This applies to both Limited Companies and Limited Liability Partnerships. With a partnership, the policy is written on an own life basis and may be placed in trust for the benefit of the other partners.
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Commercial & Business Financial Solutions

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