Long-term finance to buy your business premises, refinance existing borrowing, or release capital from commercial property you already own. We search the whole market, from high street banks to specialist lenders, and tell you within one working day whether your deal is fundable and at roughly what cost.
Commercial mortgages are underwritten on the business as much as the building. Lenders look at sustainable earnings (adjusted net profit or EBITDA after add-backs), serviceability headroom against a stressed interest rate, the strength and experience of the borrower, and the property itself: condition, use class, location and lease structure if tenanted. We package all of this the way a credit committee expects to see it, because we have sat on the borrower’s side of that table with our own businesses.
Missives, standard securities, LBTT and lender coverage all work differently north of the border. Read our guide to property finance in Scotland.
Not necessarily. Equity in other commercial or investment property can sometimes stand in place of cash.
No. Our indicative view involves no credit search. Searches only happen when you choose to proceed with a lender.
Yes, typically with personal guarantees and evidence of relevant experience or a strong trading plan.
Lender arrangement fees are typically 1-2% of the loan. Our fee is [1%], payable only on completion, and we disclose any lender commission we receive.
Send us the property, the price or value, the amount you need and one line on the business. One working day to an honest answer.