Funding / Real Estate
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Commercial lending

We support brokers and borrowers nationwide, lending across the commercial spectrum.

Our products are tailored to meet our client’s needs, ensuring flexibility at every stage. Our expert team offer nimble and innovative funding solutions to best support brokers and their borrowers.

Supporting brokers and borrowers

We go out of our way to make the lending process as pain-free as possible for brokers and their borrowers.

Non-bank lender

We’re not a bank, and have discretionary capital. This enables us to accommodate clients, move quickly and deliver.

Specialist lender

We lend across niche sectors, bringing best practice, good compliance and strong governance.

Flexible approach

As market and client requirements change, we change with them, always tailoring loans to individuals.

Regional coverage

Our Business Development Managers (BDMs) offer regional expertise, with local teams including credit and sales. We also use valuers with local knowledge.

Commercial loans

  • Our specialist team, including chartered surveyors, have decades of experience in structuring loans for clients. Our broad capabilities include:
  • Lending for projects from industrial wharfs to 5-star hotels
  • Funding acquisitions, refinances and equity release
  • Vacant assets and turnaround scenarios
  • Where applicable we can also provide VAT loans

0.70%

from rate (p.m.)

70%

max. LTV

1-24

month term

Pre-approved auction loans

Any mismatch between the time to complete an auction purchase and the approval of a traditional loan is a challenge. To solve this, we developed the UK’s first pre-approved commercial auction product. Launched with Acuitus, it’s available when buying commercial property at Acuitus auctions.

  • Can use for any commercial property auctioned for £500,000 or more
  • 60% of purchase price provided on day of completion (net loan)
  • No separate valuation required
  • Interest retained for the term of the loan
  • Minimum interest period of one month
acuitus logo

0.70%

from rate (p.m.)

60%

max. net LTV

6

month term

Commercial lending in the Republic of Ireland

  • We offer various types of commercial property transactions to brokers and borrowers in the Republic of Ireland.
  • We can help with commercial assets from land with planning to industrial and hotels
  • Active management, turnaround and vacant assets
  • Day one loans based on existing use value with further advances to reflect value enhancement through planning, refurbishment or reletting
  • Includes 0.50% arrangement fee and no exit fee
  • Where applicable we can also provide VAT loans

0.85%

min. rate (pcm)

70%

max. LTV

1-24

month term

Our specialist team, including chartered surveyors, have decades of experience in structuring loans for clients.

Commercial term loans

Lending across the UK on let commercial investments

From 4.5% margin over GBP SONIA rate

Funding acquisitions, refinances and equity release

Max 70% LTV, with interest only to 65% LTV

ICR covenant is 1.0x throughout the loan term

Payment holidays are available, subject to underwriting

  • Lending across the UK on let commercial investments
  • From 4.5% margin over GBP SONIA rate
  • Funding acquisitions, refinances and equity release
  • Max 70% LTV, with interest only to 65% LTV
  • ICR covenant is 1.0x throughout the loan term
  • Payment holidays are available, subject to underwriting

£0.5m-£25m

loan size

70%

max. LTV

2-5

year term

Start the AIP process

Send us the information on your client using the relevant enquiry form.
Then we’ll look at a solution.

Case studies

Learn more about the tailored commercial lending solutions we’ve delivered.

Contact us

We’re here to support you and your clients, every step of the way. If you have a query,
just get in touch however is convenient for you.