Commercial Finance FAQ

Yes, you can start your commercial finance application online using our secure form. It only takes a few minutes to provide the basics, and we’ll follow up with tailored terms based on your needs.

Whether you’re just testing the waters or ready to proceed, applying for commercial finance online is a fast and convenient way to get the ball rolling.

Timeframes can vary depending on the lender, deal complexity, and how quickly documents are provided. As a guide:

• Standard commercial mortgages: 4–6 weeks
• Bridging or short-term finance: 5–14 days
• Development finance: 3–5 weeks

We move quickly, coordinate valuation and legal steps, and keep you updated throughout. If you’re on a deadline, let us know, and we’ll push to make it happen.

Lenders will consider most property types, including:

• Offices and retail units
• Warehouses and industrial units
• Care homes and nurseries
• Mixed-use buildings
• HMOs and blocks of flats (buy-to-let)
• Land with or without planning permission

The key is demonstrating the property’s value and your ability to repay the loan. Our team will help you position your commercial finance application in the best light.

Commercial finance is available to a wide range of applicants, including:

• Limited companies
• Sole traders and partnerships
• SPVs (special purpose vehicles)
• Property investors and landlords
• Owner-occupiers buying or refinancing business premises

You don’t need to be a large business or a seasoned investor. If you have a viable property deal or a sound business case, we can help you apply for commercial finance.

Several factors can impact your commercial finance application:

• Loan-to-value (LTV)
• Type and location of the property
• Your experience or business background
• Credit history and accounts
• Tenant quality (for investment properties)
• Repayment strategy and exit plan

We help you prepare a strong application that addresses these areas and increases the likelihood of approval.