Commercial Finance

Commercial Finance

Commercial finance allows businesses and investors to purchase, develop, or refinance commercial property. Loans are secured against the property and repaid through rental income or business cash flow.

Lenders assess deals based on revenue, profitability, and the asset’s income potential. Stronger financials typically mean better terms, but specialist lenders cater to complex cases and niche property types.

Larger businesses often secure better terms, but the right lender can offer smaller operations competitive deals. We ensure all clients access the best possible rates.

Product Highlights

Loan Size: £100,000 - £50 million
LTV: Up to 75%
Terms: 5 to 30 years
Rates: From 2.5% per annum
Fixed & Variable Rates Available
Capital Repayment & Interest-Only Options

Finance for businesses looking to buy their own premises. Owning your workspace provides long-term stability, cost control, and the freedom to invest in your property.

Finance for businesses looking to buy their own premises. Owning your workspace provides long-term stability, cost control, and the freedom to invest in your property.

Finance for investors acquiring commercial properties to generate rental income.

Finance for investors acquiring commercial properties to generate rental income.

Finance for properties with both residential and commercial elements. Lenders often see these assets as lower risk due to diversified income streams, leading to better rates and higher loan amounts.

Finance for properties with both residential and commercial elements. Lenders often see these assets as lower risk due to diversified income streams, leading to better rates and higher loan amounts.

Case Study

Commercial Mortgage for Retail Unit with Three Flats Above

Challenge:

A client approached Longstride Capital Advisory with the opportunity to purchase a retail shop with three residential flats above, located on a prime high street. The property was valued at £2.3 million, but the seller was open to a quick sale at £2.1 million due to the existing tenancy arrangement with the client, who had been leasing the shop. Given that over 60% of the space was commercial, the property required a commercial mortgage

Solution:
Longstride Capital Advisory secured a 65% LTV commercial mortgage, providing £1.37 million in funding. The client contributed the remaining balance through a deposit and additional working capital. The mortgage was structured with a 5-year fixed rate of 6.2%, ensuring predictable repayments. The property’s rental income—£7,000 per month from the shop and £3,500 per month across the three flats—helped secure the loan on favourable terms.

Outcomes

  • Quick Completion: The deal was completed within eight weeks, securing the discounted purchase price.
  • Strong Rental Yield: The property now generates £10,500 per month, covering mortgage costs and delivering a profitable return.

With the right financing in place, the client now owns a high-value commercial asset with both retail and residential income streams.