Commercial Loans – from a Principal Lender

We can offer commercial loans on all types of commercial property − offices, shops, warehouses and land (including farmland).

The security property can either be property you already own or which you intend to buy with commercial finance from Commercial Loans Ltd. You may need to source bridging funding quickly to take advantage of a business opportunity or a chance to purchase commercial land or property at a reduced price.

If commercial property is bought at auction you usually need to pay a 10% deposit immediately and then raise the balance within 28 days. We can provide this bridging funding at short notice for a period up to 9 months. The loan is usually repaid through a remortgage with a high street lender or when the property is sold.

Commercial finance from Commercial Loans Ltd can also be used to give your business a cashflow injection, perhaps to assist in purchasing stock or paying a tax or VAT bill. These bridging funds can be secured on your business premises and repaid in as little as 3 months once your business cashflow permits.

We aim to make the funding process straightforward and assist in obtaining the necessary finance within the shortest period of time.

Commercial Loans can be obtained for the following:

  • Shops, Offices or Warehouses
  • Building Finance
  • Land with / without planning permission
  • Farmland
  • Property finance
  • UK Companies
  • Second home
  • Commercial auction properties
 

Commercial Loans Ltd can lend to both individuals and companies.  The company must be a UK-registered limited company with its registered address either in England, Scotland or Wales.

The commercial finance would be secured on one or more of the company’s property assets, which could comprise shops, offices, warehousing, land etc –  or in the case of developers, this could be residential property or land.

Many companies have investment properties – either commercial or residential – and these can also be used as security as a commercial loan.

Commercial finance from Commercial Loans Ltd can be used for any purpose, whether it is business related  (eg short term cashflow requirements, purchase of stock, office renovation etc) or personal.  If the company directors/shareholders wish to release funds from the company – secured on company assets – for personal purposes, they would need to have an adequate loan account to enable them to withdraw the bridging funds from the company.

A commercial loan to a company must be guaranteed by all of the directors.  We can provide standard Personal Guarantee Agreements for the directors to sign in front of their solicitor, having firstly taken the requisite advice.  On repayment of the bridging loan, the directors’ personal guarantees are released and the security over the company’s property asset is discharged.