Solutions for all things bricks and mortar
Commercial Property Finance provides tailored funding solutions for businesses looking to invest in property, develop projects, or manage financial transitions. Our comprehensive options, including commercial mortgages, development finance, bridging loans, and secured loans, offer the flexibility and support you need to achieve your commercial property goals.
Loan Features
Funding Amounts:
Access finance ranging from £50,000 to £50 million, suitable for various property needs.
Flexible Terms
Choose repayment terms from 1 to 30 years, allowing you to find a plan that fits your budget.
Versatile Use
Finance a wide range of commercial property projects, including purchasing, developing, or renovating properties.
Competitive Rates:
Benefit from industry-leading rates that keep your financing costs low. NexGen ensures you access competitive rates for your needs.
Quick Pay-Outs:
Experience fast pay-out times for some property products such as second charge and secured loans, ensuring you get the funds you need without delay.
Professional Support::
Expert advice and guidance throughout the entire financing process.
Quick Eligibility Check
Does your business meet these basic criteria? (Full eligibility assessed upon application)
*This checklist is indicative only. Please contact us for a full assessment.
Types of Commercial Property Finance
Loans secured against existing property assets
Flexible funding for various business needs, including expansion or working capital
Competitive interest rates and flexible repayment terms.
Potential to unlock significant equity tied up in your property
Short-term financing to bridge gaps between transactions or funding needs
Quick access to funds, often within days
Ideal for property purchases, auction buys, or managing cash flow during transitions
Flexible terms and competitive rates
Designed for property development projects, including new builds and major renovations
Short to medium-term financing to cover construction costs and also land purchase if required
Staged payments to align with project milestones
Flexible exit strategies, such as sale or refinancing upon project completion.
Ideal for purchasing or refinancing commercial properties
Long-term financing with competitive interest rates
Flexible repayment terms to suit your business needs
Potential tax benefits by offsetting mortgage interest against taxable profits.
Frequently Asked Questions
A: Commercial property finance provides loans for UK businesses and investors to buy, refinance, or develop properties used for business. It includes options like long-term commercial mortgages, short-term bridging loans, and specific development finance.
A: Finance is typically available for various UK commercial properties, including offices, shops, warehouses, industrial units, factories, pubs, hotels, care homes, and sometimes residential buy-to-let portfolios or mixed-use buildings.
A: Loan amounts depend on property value, lender criteria, and your business's finances. Commercial mortgages often require a 25-40% deposit (meaning Loan-to-Value ratios of 60-75% are common), while bridging loans might offer higher LTVs for short periods.
A: A commercial mortgage is a long-term loan (5-25+ years) for buying/refinancing property, requiring regular repayments. A bridging loan is short-term (months to ~2 years), provides funds quickly (e.g., for auctions/renovations), often has higher rates, and 'bridges' a gap until longer-term finance or sale.
Ready to take the next step ?
Contact NexGen Business Finance today to discover how our property finance solutions can benefit your business and help you achieve your goals.