Commercial Finance
Commercial finance – talk to a specialist
Specialist whole-of-market lending solutions structured across 90+ UK lenders. Rapid decisions, direct underwriting criteria, and competitive terms for complex borrowing requirements.
- Whole-of-Market Access: Over 10,000 specialist lending products
- Fast Completion Speeds: Dedicated broker underwriting for time-sensitive deals
- FCA-Authorised Guidance: 35+ years independent UK credit brokerage
Commercial finance
Please feel free to talk to our experts if you need some help with commercial and development finance especially if is not your specialist subject.
We can do all the work and give you a very healthy referral commission on development deals right up to high net worth portfolio refinancing.
Our team deals with a variety of different businesses everyday, including:
- House in multiple occupation (HMO’s)
- New Refurbishment product:
- 65% of purchase price
- Fund 65% of refurbishment costs
- In stage upfront 9 months max
- Interest Only – refurbishment element
- Funding at 100% LTV up to 25 years – subject to GDV
- Professional Landlords only (minimum 2 BTL’s)
Retail and Commercial Units / Semi-Commercial / Offices / Warehouses
- Up to 80% funding available for purchasing new premises, 100% with additional security
Doctor and Dentist premises
- Specialist products for professionals
- Up to 100% LTV
- High Street Lenders available
Land and Development
- 70% of land value + 100% of build costs
- 100% lending on Joint Venture basis.
Other scenarios we are currently handling:
- Commercial Finance from 1.8%
- Development Finance from 4%
- Short term VAT loans
- Personal tax loans
- Private Investor finance available
Latest Articles
Whole-of-Market Guidance for Commercial Finance Specialist
Securing competitive terms on commercial finance specialist requires expert underwriting knowledge. In addition, our specialist broker team works directly with over 90 specialist lenders across the UK.
Consequently, reviewing your commercial finance specialist options with an FCA-authorised specialist credit broker ensures whole-of-market access while avoiding unnecessary fees and delays.
Key Takeaways: Commercial Finance Specialist Summary
Additionally, commercial property valuations can often be expedited, significantly reducing upfront costs and surveyor delays.
Furthermore, specialist commercial lenders assess affordability based on business trading potential and asset equity.
Consequently, trading businesses and commercial investors can secure competitive rates across 90+ UK specialist lenders.
Therefore, working with Promise Money ensures you compare optimal rates and terms for your borrowing needs.
Specifically, flexible repayment options—including interest-only and capital-and-interest structures—can be tailored to protect your cashflow.
Moreover, facility agreements can be structured with clear redemption terms to support future business expansion plans.
In addition, semi-commercial and mixed-use properties can be financed without high street retail banking restrictions.
Crucially, borrowers facing historic credit blips or complex accounts can secure competitive commercial terms through our panel.
In practice, working with experienced commercial solicitors prevents administrative hold-ups and keeps legal fees completely transparent.
Above all, establishing verified trading projections and robust lease agreements ensures smooth facility approval.
As a result, business owners and property investors retain complete control over operational cashflow and property assets.
After all, independent whole-of-market guidance ensures you never pay unnecessary arrangement fees or higher interest margins.
Meanwhile, commercial facilities can be secured across multiple premises to maximize borrowing capacity effectively.
Indeed, rapid decision turnaround gives you the confidence to negotiate decisively on commercial acquisitions.
Finally, clear illustrations provide total transparency regarding arrangement fees, interest rates, and loan terms.
Unlike rigid clearing banks, specialist commercial lenders provide pragmatic flexibility when conventional channels decline.
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Meet our specialist team
Learn about our 35 year story >
Steve Walker
Managing Director – 40 years of experience
Founding chairman of the Corporation of Finance Brokers. Specialist in UK residential mortgages, secured loans, and regulated bridging.
Simon Carr
Commercial Director – Proptech
Specialist in complex mortgages, commercial underwriting, and developer finance. Architect of Promise Money’s automated lending tools.