Commercial Investment Finance

What is Commercial Investment Finance?

Commercial Investment Finance is a type of funding that is required and used to purchase or refinance a commercial, or semi-commercial property which is let to tenants, mainly professionals.

With our vast experience we are able to source solutions for all types of commercial properties with loans starting from £30,000, to facilities well over £150,000,000.

Property types are often grouped as follows:


Restaurants, Take-Aways, Café’s, Pubs and Night Clubs


Dentist Surgeries, Doctor Surgeries, Veterinary Practices , Physio Therapists, Nursery/Day-Care, Solicitor Practices, Accountancy Practices


Hotels, Guest Houses, Bed and Breakfasts, Apartment Hotels, Holiday Lodges/Parks, Golf Club Holiday Lodges

Main Stream Commercial:

Retail Units, Retail Parades, Retail Parks, Shopping Centres, Serviced Offices, Industrial Units, Warehouses, Offices, Office Parks, Semi-Commercial Parades and Short Term Storage.

Specialist Property:

Agriculture & Farming Estates, Caravan Parks, Petrol Stations, Car Wash Garages and Commercial Land.

Contact Us Today

Our team of experts are on hand to help with any of your enquiries.

Useful Information

Take a look at our Useful Information section for some extra guidance and insights about what you are requesting.

Lending Options

High Street Banks

  • Typical Terms: Full or Partial Repayment with a maximum loan to value of 75% (typically 65%). Terms often capped at 5 years.
  • Affordability: based off of the gross rental income minus 20% for costs.
  • Leases: Minimum 5 years. Licenses more tricky.
  • Tenants: A preference towards multi-let units (except for ftse 100 tenants or professionals with long leases).
  • Payment Structure: Capital and Interest Payments either monthly or quarterly. (Interest only: sub 40% LTV).
  • Investment Finance: Commercial units need to be ready to let i.e., not under construction
  • Favoured commercial assets: warehouse/industrial, supermarkets, fast food outlets, retail parks, coffee shops and restaurants, large shopping centres and hotels (let to good tenants, on long leases, in prime commercial locations).
  • Security: typically require a debenture over a limited company and sometimes personal guarantees.

Specialist Banks

  • Typical Terms: Full, Partial and Interest Only Repayment with a maximum loan to value of 75% (typically 70%). Terms up to 25 years.
  • Affordability: based off the gross rental income. No costs deducted.
  • Leases: Minimum 2 years. With the exception of licenses where they will look at the average occupancy level and how long tenants have been in place.
  • Tenants: Single tenants and Multi-let units considered.
  • Payment Structure: Either interest only, capital and interest or partial payments made monthly.
  • Investment Finance: Commercial units need to be ready to let i.e., not under construction
  • Favoured Commercial Assets: Lenders in this space will consider all types of commercial property and are not as selective as the high-street banks.
  • Security: Typically these banks require no debentures but will in some cases ask for personal guarantees.

Next steps …

We have a lot of expertise in sourcing Commercial Investment Finance for our clients, simply take a look at our Case Study section for examples or contact our team today so we can talk to you further about what you need.

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