Buying your shop instead of renting it, refitting, funding stock for the season, or acquiring a second site. We arrange commercial mortgages from £100k for retail premises (including mixed-use units with flats above, a Scottish high street staple), asset finance for shopfitting and EPOS, and working capital that respects retail’s cash cycle.
Location and footfall, tenant covenant if investment, the trading accounts if owner-occupied, and the mix on mixed-use buildings (lenders price the residential and commercial elements differently). High street retail gets more scrutiny than it used to; strong convenience, destination and service retail still funds well, and presenting the trading story properly is most of the battle.
Sealed bids, missives and lender coverage shape every deal here. Read our guide to property finance in Scotland.
Send the property or the plan, and one line on the trade. One working day to an honest view.