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Commercial Mortgages & Business Loans

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Commercial mortgages are often required by small businesses, partnerships, and self-employed sole traders who lack the capital needed to expand or purchase property and equipment.

Long term commercial finance, in the form of a mortgage, offers many small and medium sized enterprises (SMEs) the ability to invest in their business with new technology, new or refurbished premises, or increased stock levels.

In the past, it tended to be only larger organisations with a proven track record who could obtain commercial mortgages. The attitudes and lending criteria of a lot of mainstream banks and building societies meant that, until recently, a large number of younger/smaller businesses were unable to obtain this type of commercial finance.

As a result, many businesses have been forced to rely on expensive short term finance (such as asset finance, leasing, or overdrafts) or left to use their owners’ residential property as security.

Fortunately, this gap in the market is now being targeted by specialist commercial lenders who are willing to serve the commercial mortgage needs of SMEs and owner-managed businesses.

The problem

In the past, it has been difficult for small business borrowers, self-employed traders, and partnerships to raise commercial mortgage finance. This is because:
  • Institutional lenders have focused on larger, corporate lending secured on the tenant covenant of investment properties. This sector is seen as being low risk and so has become a favourite of many traditional lenders.

  • The lending criteria of many mainstream commercial lenders disqualify applicants who do not have three years’ audited account, those without business plans, or those with a less than perfect credit history. As the UK workforce migrates more towards self-employment, greater flexibility is required from lenders to assess each case on its individual merits. Until recently, this flexibility has been hard to find. Similarly, in the past, the requirement for three years’ accounts has been a barrier to new or young businesses.

How we can help

To address these problems, we have teamed up with a number of commercial mortgage advisers who work in conjunction with specialist lenders to offer commercial mortgages with some or all of the following features:

  • Available to small owner managed limited companies, partnerships, and self-employed sole-traders
  • Self-certification option – no need for three years’ accounts
  • No compulsory insurances
  • No need to change your personal or business banker
  • Finance available for any purpose – no bank imposed restrictions
  • Mortgage arrears, CCJs, IVAs, discharged bankruptcy all considered
Fast Turnaround
  • Same day indicative offer
  • Mortgage offer a week from initial enquiry (subject to obtaining valuation fee)
  • Completion from two weeks, rather than six months
  • No need for business plans, CVs, projections, etc
  • No interviews with the bank
Competitive Terms
  • Transparent mortgage tracking Bank Base Rate
  • Mortgage term of up to thirty years
  • Advances from £50,000 up to £1.5m

To find out more about how commercial finance could help you, whether you have an existing business or are just starting out, please visit our sister site – Online Commercial Mortgages – where you can read more about commercial mortgages or get in touch with one of our panel of expert professional mortgage advisers for a no-obligation discussion.



This website is provided as an independent marketing website.
We are neither a mortgage lender nor an independent financial adviser and, as such, are unable to offer financial advice.
Enquiries generated via this website are passed on to independent financial advisers and mortgage brokers.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

This website has been approved by SN Financial Services Limited for the purposes of s. 21 of the Financial Services and Markets Act 2000.
SN Financial Services Limited is authorised and regulated by the Financial Services Authority. Firm Reference number 231014.
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