Commercial finance
Commercial and mixed-use property lending — and the funding that does not fit neatly under any other heading.
What we arrange
- Commercial investment purchases and refinance
- Owner-occupier purchases — a trading business buying its own premises
- Semi-commercial and mixed-use property
- Portfolio facilities secured across several assets
- Land, with or without planning
- Short-term commercial bridging where the timing demands it
How commercial lending is assessed
Differently from residential — and differently again depending on which side of the deal you are on.
An investment case turns on the tenant: the lease, the unexpired term, the covenant strength and the yield. An owner-occupier case turns on the trading business and its ability to service the debt, so the accounts do most of the talking. A vacant unit is a third conversation again, and usually a shorter-term one until it is let or sold.
Knowing which of those three you are is most of the work. If you are not sure, send it anyway and we will tell you.
Mixed use, done properly
Semi-commercial property — a shop with flats above, most obviously — falls between two stools and is routinely mispriced as a result. The split between commercial and residential floor area changes which lenders will look at it and on what terms. It is worth putting in front of someone who will treat it as its own thing rather than force it into a residential box.
The catch-all
The line on our home page reads "any other types of funding you require", and it is meant literally. If your requirement does not obviously sit under development, bridging, refurbishment or private and high-net-worth lending, send it here. The worst outcome is that we tell you it is not something we can help with, and we will tell you that quickly rather than slowly.