Commercial finance, through the right specialist.

From buying your own business premises to funding a growing property portfolio, commercial lending needs a specialist. We'll introduce you to one.

We don't advise on it ourselves, but we can introduce you to a trusted specialist adviser who does.

Commercial lenders look at things differently: trading history, cash flow, the property itself and the people behind the business. A specialist who knows those lenders can present your case properly.

Owner-occupier commercial mortgages

For businesses buying or refinancing their own premises, from offices and shops to workshops and surgeries. Owning your premises can turn rent into an asset, but it's a big commitment, so it's worth getting the structure right.

Commercial buy-to-let and portfolios

For landlords and property companies with larger or more complex portfolios, including houses in multiple occupation, blocks of flats, mixed-use buildings and commercial units.

Development finance

Funding for ground-up building projects and conversions, usually released in stages as the work progresses and checked by a surveyor along the way.

Business loans and working capital

Funding for stock, equipment, recruitment or growth, secured or unsecured, depending on what the business needs and what it can offer as security.

Worth having to hand

  • Your latest accounts and management figures
  • Details of the property, or the project and its costs
  • How much you need and what it's for
  • Any existing borrowing and who it's with

Don't worry if you haven't got everything yet. A first conversation is about understanding what you're trying to do.

Two business owners reviewing plans in a stone office

Commercial finance questions

Why don't you advise on commercial finance yourselves?

We'd rather be honest about where our expertise lies. Commercial lending is a specialist area, so we introduce you to someone who works in it every day.

Will I still deal with you?

We'll make the introduction and stay in touch, and we can still help with anything we do advise on, such as your personal mortgage or protection.

Is commercial lending regulated?

Most commercial lending isn't regulated by the Financial Conduct Authority. Your specialist will explain how that affects you.

Tell us what your business needs

Give us a little detail about the property or the funding you need, and we'll point you to the right specialist, usually within one working day.

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