Specialist

Commercial Finance

Purchase & Refinancing of UK Property & Assets

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Commercial Finance

Clifton private finance

We have extensive experience in sourcing commercial finance for property & asset transactions in the UK

 
As a specialist commercial finance broker, we provide high-quality commercial finance solutions for our clients.
  • Market-leading rates for short-term finance & long-term commercial mortgages
  • Funding solutions for property, large machine & asset purchases or refinance
  • Up to 75% Loan To Value (up to 80% for select sectors)
  • From £50,000 to £25 million
  • Terms from 3 months to 30 years
  • Interest roll-up options
  • Same-day agreement in principle
  • We can accept applications from individuals, limited companies, SPVs and offshore structures
  • We are independent and have strong relationships with many high street commercial lenders as well as private banks, wealth managers and specialist lenders that are not accessible by individual customer approach
  • We can source cost-effective business loans and merchant cash advances to help businesses with cash flow
  • Bridging finance for business purposes
  • Business finance for residential, commercial and mixed-use, including retail outlets, restaurants, cafes, guest houses and B&Bs, AirBnB businesses, offices, warehouses, industrial units, factories, HMOs, nursing and care homes, investment properties, land development and buy-to-let property (portfolios and limited companies welcome), and working capital for business expansion and VAT loans
  • R&D tax credits refund service for companies involved in research & development
  • We can talk through all your financial needs on the phone and send you details by email. Or we’ll be delighted to sit down with you face-to-face to discuss your plans.
We pride ourselves on providing in-depth market advice that gives you finance solutions that suit your particular needs.
Call us on 0203 900 4322 for a first outline of what you're looking for.
MORE DETAILS ABOUT OUR COMMERCIAL FINANCE SERVICE BELOW...
Recent

Property Finance Deals

Asset Finance for CAT D6XE Bulldozer with VAT Deferral
Asset Finance for CAT D6XE Bulldozer with VAT Deferral
Area
London
Capital Raised
£354k
Merchant Cash Advance Renewal For Scottish Tailoring Business
Merchant Cash Advance Facility Renewal For Scottish Tailoring Business
Area
Edinburgh
Capital Raised
350K
Business Loan For Expanding Fitness Gym
Fast Business Loan For Expanding Fitness Gym
Area
London
Capital Raised
150K
Business Loan Against London Residential Property for Swiss National
Business Loan Against London Residential Property for Swiss National
Area
London
Capital Raised
£389K
Business Loan Facility To Fund Working Capital For Company Expansion
Business Loan Facility To Fund Working Capital For Company Expansion
Area
London
Capital Raised
£300K
Bridging Loan for Amusement Arcade Lease Extension in Margate
Bridging loan for amusement arcade lease extension in Margate
Area
Margate
Capital Raised
£500K

More Opportunities »

Contact Us

Commercial Finance Service

Commercial property finance we can source for you

We can secure competitive rates for:

Offices 

Including shared office space for the growth of sole-trader businesses and SMEs and co-working spaces. Forward-looking investors and developers are piggybacking on the market growth led by the high-profile branded co-working spaces, developing sites such as BaseCamp Liverpool, The Assembly Manchester and Industry in Chester.

Read our blog: Development finance for office to residential conversion

Retail outlets

The face of retail is changing, both on the high street and away from city centres, in housing and office developments. We work with entrepreneurial lenders who are ready to invest in newly developed opportunities.

Mixed-use premises

The combination of residential with commercial premises has traditionally been problematic, but we have lenders who are keen to get involved in financing mixed-use properties, up to 75% LTV and above, including residential above, shops and restaurants.

Read our case study: Finance to develop flats above restaurant in Tooting London

We’re also experienced in finding finance for rural estates that include residential rental properties and small business premises in converted outbuildings:

Read our case study: Splitting land titles on a country estate allows purchase with residential and buy to let mortgages

Factories, industrial units, and warehouses

The growth in off-the-high street and online retailing is offering more opportunities to investors looking for opportunities to acquire and develop small industrial estates. And some of them are taking a more active role in encouraging synergies between the on-site businesses.

Restaurants & cafes

The decline in the formal UK restaurant market leads to new opportunities for more relaxed and convenient food providers, including centralised takeaway hubs.

Meanwhile, the café market is still growing strongly, off the growth of the coffee economy: three coffee shops opening every day in the UK, with the number of coffee shops set to overtake pubs by 2030.

Lenders are keen to support developers stepping into these growth markets, including developing food outlets on trading estates.

Nursing and care homes

The changing face of the social care industry is making waves in the nursing and care home property market. Established care home operators face a pressing need to upgrade ageing properties, creating opportunities for developers buying up and converting old stock.

Book Consultation »

We have extensive experience sourcing finance on care home developments and conversions. Read our case studies:

Finance to complete a care home development project in south west London

Development finance to convert care home to 4 flats

Bridging loan to purchase and convert Swindon care home into flats

Portfolio buy to lets

The complexities of portfolio investment property holdings call for the detailed, personalised approach we take to the issues that our clients present.

Advising on portfolio finance is a particular strength of ours. Restructuring finance across your holding can free up unencumbered properties available as security for future finance. Read our blogs:

Facility to expand property portfolio

How to remortgage a buy to let portfolio

HMOs (Houses in multiple occupancy)

We work with numerous landlords who are exploring the investment advantages of acquiring or converting properties to accommodate more tenants and improve their ROI.

While we can’t advise you on the details of licensing requirements, we will be able to take your finance application to the lender who will look most favourably on your particular circumstances.

Read our blog: HMO Mortgages – How To Finance An HMO Property

Development land

Locating development land opportunities and acquiring planning permission is seldom a swift process.

We’re always ready to get involved at the outset, to scope out your finance opportunities and work with you throughout the stages of development, from feasibility study through to marketing and sales.

Short term commercial loan to purchase property & land in Reading for development

Bridging loan for Scottish wind turbine development

Why choose Clifton Private Finance for your commercial property finance?

Our area of expertise in the property finance sector is providing specialist, individual advice tailored to each commercial client’s financial needs.

You won’t be offered a cookie-cutter solution.

Whether you need finance for a standard buy-to-let, an HMO or a mixed-use property, we have the expertise and depth of knowledge of the commercial property finance market to source the most appropriate funding for you:

We work closely with sources of finance not generally available to the retail market: private banks, specialist lenders, family offices and wealth managers who are often willing to provide commercial mortgages to applicants in various circumstances. 

Our Commercial Mortgage finance service

Our independent commercial mortgage finance broker service offers:

Contact us now to set up the commercial property finance you need

We pride ourselves on delivering a cost-effective, individual and highly professional mortgage broker service. Call us now to arrange a first discussion of your situation or book an appointment:

Book Consultation »

0203 900 4322 
What Our

Clients Say

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Buying a House in the UK From Abroad - The 2024 Guide
There are a lot of myths and misconceptions about buying a house in the UK from abroad. Is it possible? The answer is a resounding...
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Home Improvement Loans – The 7 Best Options
You’re looking to refurbish your property, but you need funding – here are the seven best home improvement loans for y...
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How to Get a Skilled Worker Visa Mortgage
You may be wondering if you can buy a house in the UK on a skilled worker visa - and the answer is a resounding yes! There are som...
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Interest Only Vs Repayment Mortgages: Which Is Better?
Making a decision between an interest-only or repayment mortgage is an important financial decision. Here, we look at the key...
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Get in Touch

If you have any questions about our services or want to start making things happen please contact us