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Commercial Property Finance

Specialist funding for owner-occupiers, investors, and developers looking to acquire, refinance, or release equity from commercial

Funding solutions for businesses purchasing or refinancing commercial premises or investment property.

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We help clients secure mortgages, buy-to-let finance, and bridging loans across a range of property types.

Specialist Finance for Commercial Property Projects

From buying your first trading premises to expanding a property portfolio, commercial property finance requires the right structure, timing, and lender. We arrange tailored finance options including mortgages, commercial buy-to-let, and bridging loans, whether for owner-occupiers, investors, or developers. With a wide lender network and deep experience in the sector, we provide straightforward advice and fast, competitive funding to support your next move.

What Asset Finance Options Are Available?

Hire Purchase (HP)

A structured repayment plan where you own the asset at the end of the agreement. Ideal for businesses investing in long-term plant, vehicles, or machinery.

Finance Lease

Use the asset for a fixed period while making regular payments, with the option to continue leasing or upgrade at the end of the term. Suited to businesses looking for flexibility and tax efficiency.

Personal Contract Purchase (PCP)

A vehicle finance option offering lower monthly payments and the choice to purchase, return, or refinance the asset at the end of the term.

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Frequently Asked Questions

We offer a range of asset finance solutions, including hire purchase (with VAT deferral options), leasing, and refinancing. Whether you’re looking to acquire new equipment, vehicles, or machinery, we can tailor a solution that fits your business needs and cash flow.

With hire purchase, you own the asset at the end of the agreement. Our VAT deferral option allows you to delay paying the VAT upfront, helping you manage your cash flow more effectively. This is particularly useful for businesses looking to preserve working capital while acquiring essential assets.

Leasing allows you to use an asset without owning it. At the end of the term, you can either return, upgrade, or extend the lease. Hire purchase, on the other hand, leads to full ownership once all payments are made. The right choice depends on your business goals and tax considerations.

Yes, we offer unsecured and secured business loans for working capital, expansion, or other business needs. Our VAT loans help spread the cost of your VAT bill over manageable monthly payments, reducing cash flow strain.

We understand that speed is crucial for businesses. Many of our finance agreements can be approved within 24–48 hours, depending on the complexity of the deal. We work closely with our lending partners to ensure a smooth and efficient process.

Yes, we offer seasonal payment plans to help businesses with fluctuating income manage their repayments more effectively. This is particularly beneficial for industries like agriculture, tourism, and construction, where cash flow varies throughout the year. With seasonal finance, your repayment schedule is tailored to align with your peak earning periods, reducing financial pressure during quieter months. Speak to our team to find out how we can structure a finance package to suit your business needs.

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