Commercial

Business and commercial refinance

Refinancing existing commercial borrowing, raising capital against business property or restructuring facilities.

Business and commercial refinance

Making your commercial property work harder

Refinancing commercial property can help reduce costs, extend a term that is coming to an end, release capital for growth or consolidate borrowing across several assets.

We review your current facilities, the property and the purpose of the new borrowing, then package the case for lenders whose criteria and pricing suit your plans.

Boardroom with a wooden table and leather chairs

Common reasons to refinance

Facility ending

A current loan is nearing expiry or review.

Capital raising

Releasing equity for expansion, acquisitions or new property.

Debt consolidation

Bringing several commercial facilities together.

Better terms

Moving to a lender whose terms suit the business better.

What lenders usually want to see

  • Existing borrowing: current lender, balance, terms and any early repayment charges.
  • Purpose: what any additional funds will be used for.
  • Business performance: recent accounts and management information.
  • Property: valuation, leases and income where relevant.
  • Repayment: how the new facility will be serviced and repaid.

Talk to us about your project

Tell us about the property, the amount you need and your timescale. We will review the funding route, shape the exit strategy and package the case for suitable lenders.

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Important: All finance is subject to status, security, valuation and lender criteria. Terms and fees vary by lender.

Regulation: Most commercial mortgages and business finance are not regulated by the Financial Conduct Authority.

Warning: Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on a loan secured on it.

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