Development and Refurbishment – 90% Loan to all Costs available – Terms available for Professional Developers & First-time Builders
Commercial Mortgages – Up to 82% LTV (100% in specific cases) Rates start at 1.90% over base rate. Terms up to 30 years with Interest-Only Options
Bridging and Short-term Finance – Short-term from 0.42% pcm (min 24 months) – Bridging Rates available from 0.43% pcm – Available for Auction Purchases

Specialist & Commercial Finance

Specialist & Commercial Finance

Commercial Mortgages for businesses seeking to purchase or refinance their own trading premises.

Whether buying new property or refinancing outstanding debt, we can help clients at every step. Our bespoke service ensures we fully understand both the business and the funding requirements in detail, delivering not just any deal but the right deal.

We’ll outline the very best terms available from the whole market, then manage the application process from enquiry to full credit sanction and through to completion.

Commercial mortgages are available to all applicant types; individuals, partnerships, limited companies, trusts, pension schemes, complicated and layered company structures, including situations where the property is owned by or to be purchased in the name of the directors and rented to their business.

Funding is available up to 82% of property value for many property types, and business goodwill can also be funded for certain sectors. Interest-only and part-repayment options are available with loan terms up to 30 years.

Professional practices can be financed to 100% of property value plus goodwill funding.

The most competitive terms are available for established businesses with strong trading accounts, however we can also arrange finance for start-up or newly formed businesses where a robust plan is in place.

We therefore understand how businesses work and, more importantly, the issues they face and how to overcome them.

If you need to raise finance for cashflow purposes, expansion or any other legitimate business purpose, and the Bank just won’t help, there are other options.

Cash can be raised even if you do not have property or other assets which can be used as security, with unsecured loans available up to £150,000 at competitive rates.

Repayments can often be structured based on your actual turnover during the repayment period, so your cashflow is not put under unnecessary pressure.

Due to the complexity of this type of funding which requires an understanding of your business activities and how you receive payments from your customers, it is not possible to list the various options here which are available from Banks, peer-to-peer providers and structured debt.

Property types funded include the following:

  • Shops and other retail units
  • Offices
  • Industrial Units, Factories, Warehouses and Workshops
  • Hotels and B&Bs
  • Restaurants, Takeaways, Cafés and Public Houses including other Leisure Businesses
  • Professional Practices (e.g. doctors/dentists)
  • Care Homes and Healthcare
  • Pharmacies
  • Educational Establishments and Day Nurseries
  • Farms, Agricultural, Wedding Venues, Residential Estates and other rural property
  • Car Garages, Showrooms, MOT Centres & Petrol Stations

 

* Please note this is not an exhaustive list, most property types can be funded. It may also be possible to arrange commercial mortgages for applicants with previous credit problems.

Many of our team were previously lending or relationship managers at major Banks and other financial institutions

Owner Occupied Development

Funding is also available for the development of new premises for a trading entity, with the cost of the build and land built into the structured finance and final lending based against the end value of the new property.

Interest only periods can also form part of the facility to allow the build period to complete without needing to service capital repayments during this time. This is also available for more complicated or layered structures including OpCo / PropCo setups.

Corporate Finance and MBO’s

Both secured and unsecured finance options can be utilised to help fund Management Buyout and BuyIn transactions, every case being unique in both the business type, clients and financing available to support those businesses and clients respectively. HLP are able to arrange leveraged debt within the business through numerous channels and work with individuals to assist in raising equity where required. The terms are fully bespoke to each case and client.

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    ADDRESS

    63739 street lorem ipsum City, Country

    PHONE

    +12 (0) 345 678 9

    EMAIL

    info@company.com