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Commercial Mortgages

  • Commercial mortgages are available for businesses looking to buy non-residential property
  • The table below compares commercial mortgage providers from our panel of business lenders
  • For helfpul information about commercial mortgages you can read our short FAQ guide
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THINK Business Loans
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Call THINK Business Loans today -
  • THINK work with over 200 Commercial Lenders – We can find the right loan for your business
  • MINIMUM 6 Months trading History
  • Secured Loans from £25,000 and above
Lines are open: Mon-Fri 8.30am-6pm. Saturday, Sundays & Bank Holidays CLOSED. Calls may be recorded.
  • Broker
    • THINK Business Loans

      • Search over 200 lenders in minutes with our state of the art matching platform 'The Think App'
      • THINK are the UK's leading SME lending specialists
      • Find the cheapest and most suitable options for your business - make the lender work for you
      • Minimum Turnover
        £12,000 p.a.
      • Available Amounts
        From £25,000
      • Available Terms
        1 to 30 years
  • See Deal + More information
  • Lender Details

    Application Criteria

    • Unsecured Business Loans from £5,000 - £1,000,000
    • THINK match your criteria against the hundreds of facility types and options, finding you the best and cheapest solutions
    • Take advantage of exclusive rates, products, and terms only available through THINK
    • THINK's Expert Lending managers are on hand to guide you through the process
    • Limited Companies, Sole Traders and Partnerships all welcome to apply
    • No new start ups or outstanding CCJs
    • Minimum 6 months trading history
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  • Broker
    • Aspire Business Loans

      • Competitive Rates
      • Available to all SMEs with a turnover of £50,000 or more
      • No obligation application process
      • Funding typically within 2 days
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £1,000 to £300,000
      • Available Terms
        1 month to 5 years
  • See Deal + More information
  • Lender Details

    Application Criteria

    • Aspire Business loans specialises in a wide range of loans and credit facilities to small and medium sized businesses
    • They search a panel of lenders to find the best deal for you
    • Sole traders, partnerships and Limited companies all welcome to apply
    • Minimum 12 months trading history
    • No outstanding CCJs
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    • Nucleus

      • Peer-to-peer business lending platform
      • Fast service - receive your funding in 24 hrs
      • Human approach - Nucleus's in-house experts will guide you through the process
      • No early repayment fee
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £25,000 to £20,000,000
      • Available Terms
        1 month to 12 months
  • See Deal + More information
  • Lender Details

    Application Criteria

    • Nucleus offer the expertise and product range of a bank with the flexibility of a P2P lender
    • Tell Nucleus about your business and they'll find you a suitable product
    • Cash Flow Finance, Property Finance, Overdraft ID, Invoice Finance, Asset Finance, Construction Finance
    • Must have a minimum three years of trading history
    • Must have proven profitability in recent accounts
    • Must be a UK based company
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Suppliers that don't offer commercial mortgages but may offer suitable alternatives:

    • Funding Circle

      • Unlock the potential in your business with Funding Circle's fast, hassle-free business loans
      • Apply in 10 mins, get a decision typically in 2 days
      • Rates from 4.9% - no early repayment fees
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £5,000 to £1,000,000
      • Available Terms
        6 months to 5 years
  • See Deal + More information
  • Lender Details

    Application Criteria

    • You'll have a dedicated Account Manager to guide you through every step
    • Instead of borrowing from a bank, Funding Circle connect you directly with over 50,000 investors
    • No meetings, long forms or business plans
    • Tell Funding Circle your goals today - you could have your loan within a week
    • Must have been trading for 2 years or more)
    • Borrow up to £350,000 unsecured with a personal guarantee
    • Loans up to £1 million secured
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  • Broker
    • Funding Options

      • Compare over 60 of the UK's best lenders in minutes
      • 100% free, no commitments
      • Find the best loan for your business
      • Experienced specialists on hand to help
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £1,000 to £10 million+
      • Available Terms
        1 month to 15 years
  • See Deal + More information
  • Lender Details

    Application Criteria

    • Find the right finance from more than 50 of the UK's leading lenders, whether you want to raise £1,000 or £10million.
    • The Government-backed British Business Bank chose Funding Options to help businesses find finance when they haven't been successful with the big banks (Bank Referral Scheme).
    • Limited Companies, LLP or Sole Trader accepted
    • Applicants must be aged 18 and over
    • Guarantees and Indemnities may be required
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    • Esme Business Loans

      • Simple, fast & fair business loans from Esme Loans
      • Apply for a 1 to 5-year business loan from £5,000 to £150,000
      • Our hassle free, paperless application takes just 10 minutes
      • Funds are sent within the hour if approved and you can receive faster payments
      • Minimum Turnover
        £15,000 p.a.
      • Available Amounts
        £5,000 to £150,000
      • Available Terms
        1 to 5 years
  • See Deal + More information
  • Lender Details

    Application Criteria

    • Assessment will have no impact on personal credit score
    • No early repayment fees - pay off all or part of your loan early with no extra fees
    • Competitive rates, no hidden fees and simple terms.
    • Limited Companies Only. Applicants must be a Director of the Business, over 18 and be able to provide a personal guarantee.
    • Must be actively trading for at least 18 months with a current turnover of at least £15,000.
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    • Liberis

      • Supported by the UK Government-owned British Business Bank Investments
      • The UK's first provider of the Business Cash Advance
      • You must have at least one card terminal (chip and PIN machine)
      • Pay back an agreed % of your customer card transactions
      • Minimum Turnover
        Not applicable
      • Available Amounts
        £2,500 to £300,000
      • Available Terms
        4 to 12 months
  • See Deal + More information
  • Lender Details

    Application Criteria

    • Pay back through your customer card transactions
    • One cost that never changes
    • Only pay at a rate your business can afford
    • Your business must have been trading for at least 4 months
    • You must have at least one card terminal (chip and PIN machine)
    • You must take at least £2,500 per month in card transactions
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    • Ferratum Business

      • Free and no obligation application process, competitive rates
      • Complete the application form in 5 minutes, loan disbursed within one day of completed application.
      • Friendly and helpful customer service to help you at every turn.
      • Decisions based on cash flow, not credit scores.
      • Minimum Turnover
        £75,000 p.a.
      • Available Amounts
        £2,000 to £50,000
      • Available Terms
        6 to 12 months
  • See Deal + More information
  • Lender Details

    Application Criteria

    • Ferratum Business specialises in providing small businesses with unsecured loans up to £50,000.
    • Fast, simple and secure financing solution used by businesses all over Europe.
    • We are part of the Ferratum Group, a leading European fintech company that operates in over 24 countries.
    • Sole traders, partnerships and limited companies all welcome to apply.
    • Your company must have been trading for 2+ years.
    • Business owners must be UK based.
    • You must have a dedicated business bank account.
    • Business must have a physical presence.
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    • Growth Street - Growthline

      • Peer-to-Peer marketplace platform
      • Pay-as-you-go flexibility means you only pay for what you use
      • No early repayment fees or charges
      • Have money in your account in 2 hours
      • Minimum Turnover
        £200,000 p.a.
      • Available Amounts
        £1,000 to £500,000
      • Available Terms
        1 day to 12 months
  • See Deal + More information
  • Lender Details

    Application Criteria

    • Peer-to-Peer marketplace platform
    • Growthline - secured access, up to £500,000 of working capital finance, with no up-front costs
    • Must be a Limited Company registered in the UK (not LLP or Sole traders)
    • Must have more than 15 months trading history
    • Must have filed at least one set of accounts with Companies House
    • Must use accounting software (e.g. Sage, Xero, FreeAgent, etc)
    • Directors and shareholders must be UK residents
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    • Fleximize

      • Industry-leading flexibility, including penalty-free early repayments, top-ups, and repayment holidays
      • Receive funding in as little as 48 hours
      • Minimum Turnover
        £120,000 p.a.
      • Available Amounts
        £5,000 to £500,000
      • Available Terms
        1 month to 4 years
  • See Deal + More information
  • Lender Details

    Application Criteria

    • Only lends to Limited Companies and Limited Liability Partnerships
    • Industry-leading flexibility, including penalty-free early repayments, top-ups, and repayment holidays
    • Quick and easy application process
    • A dedicated relationship manager to help you find the right solution for your business
    • Must have at least 6 months trading history
    • Must have a minimum of £10,000 average monthly revenue
    • Applicant must be a director of the business
    • Must have reasonable gross margin on your product - above 20%
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    • Boost Capital

      • Business loans in as little as 2 days
      • No assets/security required
      • Repay early and save
      • No arrangement fees.
      • Minimum Turnover
        £80,000 p.a.
      • Available Amounts
        £3,000 to £500,000
      • Available Terms
        4 to 18 months
  • See Deal + More information
  • Lender Details

    Application Criteria

    • Boost Capital specialise in business loans from £3,000 to £500,000
    • Trusted - 5 stars on Trustpilot independent reviews+
    • Lent over £750 million to business across the US and UK
    • Most business types funded
    • Minimum 2 years trading
    • Minimum £6,000 monthly turnover
    • No start ups
    • Limited, Sole Traders and Small Partnerships are accepted
    • UK businesses only
    • You do not need to be a homeowner
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    • NatWest

      • Designed for small business
      • No arrangement fees or security fees
      • Minimum Turnover
        n/a
      • Available Amounts
        £1,000 to £25,000
      • Available Terms
        1 to 10 years
  • + More information
  • Lender Details

    Application Criteria

    • Must be over 18 years old
    • Security may be required
    • Product fees may apply
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  • Broker
    • LDF

      • Lender and Finance Broker
      • Same day decisions and payment
      • Electronic Signature Documents
      • Minimum Turnover
        £250,000 p.a.
      • Available Amounts
        £2,000 to £250,000
      • Available Terms
        3 months to 5 years
  • See Deal + More information
  • Lender Details

    Application Criteria

    • Well-established funder and credit broker for business loans and equipment leasing
    • A consultative approach to finance
    • Must not be in an IVA, CVA or Bankrupt
    • Loans are not available to Sole Trader (Non Home Owners)
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    • iwoca

      • Flexible credit facilities from £1,000 - £100,000
      • Apply in minutes with no commitment
      • No paperwork and no hidden fees
      • Minimum Turnover
        £50,000 p.a.
      • Available Amounts
        £1,000 to £100,000
      • Available Terms
        0 to 12 months
  • See Deal + More information
  • Lender Details

    Application Criteria

    • All sectors considered
    • UK businesses only
    • Startups are eligible for a maximum of £10,000
    • Sole-trader, partnership or limited company
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    • Spotcap

      • Fully unsecured business loan - no guarantees needed
      • Apply online in 15 mins, decision within 24 hours
      • Funds immediately available
      • Early repayments are free
      • Minimum Turnover
        £250,000 p.a.
      • Available Amounts
        £10,000 to £150,000
      • Available Terms
        1 to 15 months
  • See Deal + More information
  • Lender Details

    Application Criteria

    • Focus on SMEs
    • Very experienced team
    • We use a unique and proprietary algorithm
    • Active in multiple countries
    • FCA regulated and serious about security
    • Companies must be based in the UK
    • Must be trading for at least 2 years
    • Must operate a UK business bank account and have a turnover above £250k in the last 12 months
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    • Invoice Finance: MarketInvoice

      • MarketInvoice makes invoice financing easy.
      • Submit an online application in 5 mins, get cash in your account in as little as 24 hours.
      • Fund one or many invoices with flexible terms and no hidden fees.
      • Dedicated account manager will help you throughout the process.
      • Minimum Turnover
        £100,000 p.a.
      • Available Amounts
        £5,000 to £3,000,000
      • Available Terms
        1 month to 1 year
  • See Deal + More information
  • Lender Details

    Application Criteria

    • Get £5k to £3m - Advances of up to 90% of your invoice value upfront
    • Fast Funding - Get the money in your account within 24 hours of applying
    • No debt - No need to take on new liabilities
    • No security required - No need to offer company or personal assets
    • Limited or LLP company based in the UK or Ireland
    • Have £100,000+ turnover, filed with Companies House
    • Sell goods or services to other businesses on terms
    • Have at least 12 months of trading history
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    • The Start Up Loans Company

      • Interest rate of fixed 6% per annum
      • Borrow Between £500-£25000
      • Receive business mentoring and support after drawing down your loan
      • No application fees or early repayment fees
      • Minimum Turnover
        No minimum
      • Available Amounts
        £500 to £25,000
      • Available Terms
        1 to 5 years
  • See Deal + More information
  • Lender Details

    Application Criteria

    • Start Up Loans is a Not-For-Profit Company offering a finance and mentoring solution to start and grow a business
    • Start Up Loans have helped over 40,000 businesses get started in the UK
    • Free application support
    • Free post-loan business mentoring
    • Business is based in the UK
    • Trading for under 24 months
    • 18 years and over
    Visit Website
Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. You can use the options above the table to order it according to various criteria.

Commercial Mortgage Finance FAQ

If you want financing to help you purchase a non-residential property for your business then you'll probably need a commerticla mortgage. If you need more information on commercial mortgages, our brief selection of frequently asked questions below is a good place to start - just click on a question heading for a straightforward answer.

What is a commercial mortgage?

A commercial mortgage is a loan that is secured on a non-residential property. This kind of business loan can be used to fund a huge variety of different buildings and properties, so each loan must be individually assessed and the interest rates you access will depend on the level of risk your purchase represents

As with residential mortgages, your lender will often take the property that you are buying as the only security required for the loan, and a cash deposit will be required. In some cases, if you have no cash, you may be able to offer the lender additional security in the form of another property that you have considerable equity in.

How long can I get a commercial mortgage for?

Commercial mortgages offer terms that range from three to 25 years. If you\'re looking for a shorter-term financing solution, a bridging loan might be more appropriate; these offer finance for anywhere from a few weeks to 24 months.

Do all commercial mortgages have variable rates?

No, but most will. Typically, your rate will be quoted as a percentage over LIBOR, which is what would be called a tracker mortgage in residential purchasing terms. Although fixed-rate mortgages are available they can sometimes come with higher interest rates, and can sometimes only be accessed on properties worth less than £500,000.

Will I need to pay arrangement fees?

Although arrangement fees are usually added to the overall cost of the commercial mortgage loan, some lenders will want money to cover the work they do if you do not accept the offer given. In these circumstances, you may be charged a commitment fee which is payable with your application, and is non-refundable. Most arrangement fees are then lumped into the loan itself and usually come in at about 1-2% of the total loan amount.

How much can I borrow?

For an owner-occupied property, you may be able to receive a 70-75% mortgage. This would be the case if you were renting office premises for your own company to operate out of, for example. However, if you are purchasing a property as an investment, then the amount you will be permitted to borrow will be determined by the rental income that can be generated from the investment. However, it is unlikely that you will be able to access more than 65% of the purchase price of an investment property

What will I need to pay for valuation?

Because commercial properties are typically more expensive and subject to more price variability than their residential counterparts, a value expert will need to write a long-form report about the property to submit to the lender. Commercial valuations can start at around £500 for a simple case, but these prices can vary drastically as they are often based on bespoke quotations.

Why can't I find a definite commercial mortgage rate?

The rates that are typically charged for commercial mortgages are not pre-determined like most residential mortgages. In each case, when applications are processed for commercial mortgages, the lending manager must carefully evaluate and assess the unique level of risk represented in agreeing to the proposed loan.

Lending managers have to consider a multitude of factors to evaluate the riskiness of the loan, and large loans with low risk levels will receive the best interest rates.

: Will I need to pay legal fees?

With commercial mortgages, borrowers are required to pay both their own legal fees, and the legal fees of the lender. Because of the variety of property available in the Commercial market, your legal fees will vary depending on the complexity of the work involved.

Can I use a commercial mortgage broker?

Some businesses may choose to use a specialist commercial broker who can give them access to the contacts that are required to get the best deal. Your broker will be responsible for presenting your case to lenders so you need to provide all the information required when filling out forms and making declarations.

Although many companies consider commercial mortgage brokers to be a worthwhile investment, it's worth noting that they will charge you for finding the right mortgage, and you should expect to pay a fee that is anywhere up to 1% of the loan value.