Commercial Property Finance
Expand your premises or portfolio with fast and flexible commercial property finance: fund any type of property, except your personal residence.
Finance secured against property; it’s simple.
Get the space you need, whether it be bigger premises for your expanding business, or property for retail, industrial, residential, or leisure development.
Commercial Property Finance
What is Commercial Property Finance?
Commercial property finance is a loan is placed against properties which will be used purely for business activities, or which represents a business in its entirety.
If you’re looking to fund the acquisition, refinance, or redevelopment of business property, a mortgage of this kind from Funding Guru can help. You can take advantage of our knowledge in acquiring and redeveloping various properties in the UK, which we will put to use to get you the right mortgage for your needs.
Who is suitable for Commercial Property Finance?
A commercial mortgage can fund the transition towards ownership of your business location, ideal for organisations looking to move away from leasing. It could also facilitate the purchase of property on a buy-to-let basis, where the intent is to make a return on investment via rental income.
Taking out a commercial mortgage on a building you already own can unlock the equity contained within, if you need cash for other purposes.
What is Bridging Finance?
This funding solution lets you tap into equity in the existing property as a down payment on a future property purchase or development costs. If you can’t get a mortgage until your current property sells, this type of commercial property finance bridges that gap.
A bridging loan is intended to be a short-term solution to tide you over until long-term credit becomes available: expect to borrow for 12 months or fewer.
Who is suitable for Bridging Loans?
This funding is perfectly suited to property investment and development, and buy-to-let schemes. They are suitable for residential and commercial properties, giving you the flexibility to succeed.
Funding Guru offer commercial bridging loans of £50k to £2m with fixed and competitive interest rates. We have no hidden fees and consider applicants with adverse credit.
What are Commercial Mortgages?
In this type of finance, a loan is secured against property which will be used solely for business activities, or which represents a business in its entirety.
If you’re looking to fund the acquisition, refinance, or redevelopment of business property, a commercial mortgage from Funding Guru can help. You can take advantage of our expertise in acquiring and redeveloping a range of properties in the UK, which we will put to use to get you the right mortgage for your needs.
Who are Commercial Mortgages suitable for?
A commercial mortgage can fund the transition to ownership of your business premises, ideal for organisations looking to step away from leasing. It could also facilitate the purchase of property on a buy-to-let basis, where the intent is to make a return on investment via rental income.
Taking out a commercial mortgage on a building you already own can unlock the equity contained within if you need cash for other purposes.
What is Development Finance?
This is a flexible funding type which can be used for almost any type of property development, from renovating a grade 1 listed site, to building a large scale HMO. A property development loan will be tailored to the specific needs of the project you’re planning to undertake.
You can enjoy full flexibility with property development finance from Funding Guru, regardless of where you are in the development process. Our loans can be used for property acquisition, securement of planning permission, or commencement of building, renovations, and redevelopment.
Property Development Finance advice and options.
As property developers ourselves, we are fully aware of the risks and challenges facing developers. We leverage the expertise we’ve gained from developing thriving leisure venues, pub chains, and more to get you the perfect funding solution.
Speak to us about how property development finance can get your project off the ground and make your vision a reality. Whether we provide funding ourselves or introduce you to a more suitable funding partner, we are willing and able to advise you throughout the process.
What is Portfolio Finance?
In this type of funding, a loan is secured against multiple properties owned by the same individual or business. The borrowed money can be used to purchase further property and expand the portfolio, to develop existing properties and increase their value, or to free up the equity within the portfolio.
Because of the size of the typical portfolio finance arrangement, you can benefit from more competitive mortgage rates than if you were to borrow against a single property. Enjoy the fruits of your labour.
Who is Portfolio Finance for?
Property investors and buy-to-let landlords will know that their portfolio is built over time, and represents years of hard work and investment. A portfolio finance arrangement is perfect for property owners looking to fine-tune their investment and to make it work harder. You can consolidate and simplify separate financial arrangements, or release the equity locked up in your portfolio.
What is Mezzanine Finance?
This type of commercial property finance provides top-up funding for development costs of large-scale projects, meaning that a gap between principle lending and the total cost of a development will not prevent the work from taking place. It is a short to medium term loan, made to bridge a funding gap and get a development moving.
Mezzanine finance is suitable for developers looking to capitalise on an opportunity and to broaden the scope of their property investments, whether through acquisitions, buyouts, or new developments.
How does Mezzanine Finance work?
This type of funding can seem complex, so let’s break it down. Another lender may have provided 70% of required funds for your property development, while you are able to contribute 10% of the cost upfront. Mezzanine finance can provide the remaining 20% of the costs via a loan in exchange for equity. Because risk is offset with equity, we are invested in your success.
As a hybrid of debt and equity finance, this type of funding appeals to those who want to retain control while lowering their own capital investment.
How could Commercial Property Finance Help You?
A commercial property loan can be used to develop, build, or purchase property that is intended to generate a profit. This can be through capital gains, rental income, or via investment.
We offer various types of commercial property finance, each with its own benefits and ideal circumstances:
Bridging finance: a short-term cash injection to cover you while a longer-term solution can be secured.
Commercial mortgages: a loan secured against property that will be used solely for business purposes or a business in its entirety.
Development finance: a flexible funding solution designed to cover all manner and size of property developments.
Portfolio finance: borrowing secured against more than one property, designed to make the most of the borrower’s portfolio.
Mezzanine finance: funding to fill the shortfall between the principal lending and the total cost of a development.
We look at vision as well as history, so businesses with less-than-ideal credit ratings are encouraged to apply. One of our account managers will work with your business to understand your circumstances and vision, and a decision will be made based on a combination of the two factors.
In short, a negative credit rating will not necessarily impact your application.
Any industry where the property is involved in some way could benefit from commercial property lending, which obviously casts quite a wide net!
Small businesses looking to expand their office could benefit just as much as a property developer looking to buy land to build a hundred homes. An entrepreneur who works from home and needs a garage for storage could benefit as much as a wholesaler who needs a whole new warehouse for their inventory.
No: we don’t penalise our customers for paying off their loans early.
Fund your future today. Our team will find the perfect Commercial Property Finance for you, Move your business forward with Funding Guru.