Are commercial mortgages or property finance available through you?

Short answer: Not at this time — here’s how we can still help

No. Best Business Loans does not currently arrange commercial mortgages, bridging loans, development finance, or any property finance products. We’re an independent introducer that focuses on non-property business funding for established UK companies.

However, if your goal is to improve, expand, or equip your premises, we can often help via alternative, non-property funding. Options such as asset finance, fit-out finance, equipment finance, and cash flow facilities may achieve your project aims without a mortgage.

If you submit a Quick Quote, our AI will confirm whether your request falls within scope and suggest suitable non-property solutions where available. There’s no obligation, and we don’t charge you to make an enquiry.

Non-property funding we can help you explore

• Fit-Out and Refurbishment Finance — fund interior works, furniture, fixtures, and shopfitting.
• Asset and Equipment Finance — acquire machinery, production lines, catering equipment, IT, or medical devices.
• Vehicles and Fleet Finance — cars, vans, HGVs, and specialist vehicles.
• Cash Flow Loans — smooth seasonal or project-based fluctuations.
• Invoice Finance — unlock cash from outstanding invoices to fund ongoing works.
• Refinance — restructure existing asset finance to reduce monthly costs or release working capital.
• Sustainability Loans — fund energy-saving upgrades like LED lighting or heat pumps.

These facilities can support premises projects without securing a loan against the property. They can be faster to arrange than mortgages and often more flexible for operational needs.

Who typically benefits from these alternatives?

Established UK limited companies and LLPs investing in equipment, refurbishments, or growth often find non-property finance suitable. Sectors include construction, hospitality, healthcare, retail, logistics, and manufacturing. If you need to modernise, expand capacity, or improve energy efficiency, these routes can be effective.

Why we don’t support commercial mortgages and property finance

Commercial mortgages and property finance are specialist, highly regulated areas with detailed underwriting and legal processes. They usually require property valuations, legal due diligence, and stricter affordability assessments. Timeframes can be longer, and costs can be materially different to operational finance.

To keep our service focused, transparent, and user-friendly, we currently match UK businesses with non-property lending options only. This aligns with our goal of helping companies act quickly on operational investment without the complexity of mortgaging property.

We aim to be clear, fair, and not misleading about our scope. If a request is outside our remit, we will say so early and point you toward practical next steps you can take with a specialist broker or your existing bank.

Property-related projects we can still support — without a mortgage

• Refurbishing premises: finance for fixtures, fittings, HVAC, signage, and finishes.
• Expanding production: asset finance for CNC machines, conveyors, or packaging lines.
• Energy upgrades: funding for solar, insulation, efficient boilers, or refrigeration.
• Front-of-house improvements: shop refits, restaurant seating, and POS systems.
• Compliance-driven works: equipment to meet regulatory or safety standards.

For example, many UK manufacturers use equipment finance to increase output instead of borrowing against premises. If that’s you, learn more about our approach to manufacturing business loans and asset-led funding options.

Illustrative funding journeys

• Restaurant refit: Fit-out finance for furniture and kitchen equipment, supported by an invoice facility for event catering contracts.
• Care home upgrade: Asset finance for medical beds and lifts, plus a sustainability loan for LED lighting and heat recovery systems.
• Engineering workshop: Equipment finance for a new lathe and milling centre to fulfil a multi-year contract.

These pathways can deliver the practical outcomes premises projects require, without securitising your property or engaging in lengthy mortgage processes.

If you need a commercial mortgage, here’s what to prepare

Although we don’t handle commercial mortgages, it’s helpful to know what lenders often expect. Requirements vary by lender, sector, and property type, so treat the following as general information only, not advice.

• Clear purpose and property type: owner-occupied trading premises vs. investment property to let.
• Deposit and LTV: deposits are commonly 25%–40% of purchase price; lower LTVs can improve terms.
• Affordability: lenders assess serviceability via profitability, EBITDA, and debt service coverage ratio (DSCR).
• Financials: last 2–3 years of accounts, recent management information, bank statements, and business plan.
• Property details: valuation, tenancy schedule (if investment), planning/zoning status, and EPC rating.
• Legal and due diligence: titles, searches, insurances, and any environmental or structural reports.
• Costs: arrangement fees, valuation and legal fees, possible early repayment charges, and broker fees.

Specialist products such as bridging finance and development finance involve additional risks, timeframes, and exit planning. Consider engaging a qualified broker and independent professional advisers before proceeding.

Questions to ask a property finance specialist

• What is the estimated total cost of finance, including fees and legal expenses?
• What LTV and DSCR thresholds apply to my scenario?
• How will interest rate movements affect affordability over the term?
• What are the valuation and legal milestones, and expected timeframes?
• Are there early repayment charges or covenants I should understand?

Ensure any financial promotion you receive about mortgages is clear, fair, and not misleading, and that it complies with relevant FCA rules. For reference, see the Mortgages and Home Finance: Conduct of Business requirements in MCOB on the FCA website.

How our Quick Quote can still help

If you’re exploring both property and non-property routes, a Quick Quote can quickly clarify the alternative funding you may access without a mortgage. We’ll only introduce you to non-property lenders or brokers relevant to your project. You stay in control and decide whether to proceed with any introduction.

How our AI matching works for non-property finance

We use intelligent data-matching to connect established UK businesses with suitable non-property funding providers. The process is simple, fast, and designed to respect your time.

• Step 1 — Complete a Quick Quote: Share your business details, funding need, and amount requested.
• Step 2 — AI analysis: Our system assesses your profile and narrows suitable options from our network.
• Step 3 — Introductions: We introduce you to relevant lenders or brokers who are active in your sector.
• Step 4 — You choose: Compare options, ask questions, and decide on the best path forward.

There is no cost to submit an enquiry and no obligation to proceed. We do not guarantee acceptance, availability, or the lowest rates, but we aim to make selection and comparison easier.

Why businesses choose Best Business Loans

• Focus: We specialise in non-property commercial finance for established UK companies.
• Relevance: We only introduce you to providers we believe are suitable for your needs.
• Transparency: We’re upfront about what we do and don’t support.
• Speed: You avoid contacting multiple providers individually.
• Control: You decide which introductions to pursue and when.

Your information is handled confidentially and shared only with relevant finance professionals for your enquiry. We operate as an independent introducer.

Eligibility snapshot

As a guide, many providers in our network look for UK limited companies or LLPs with at least 12 months’ trading, stable turnover, and the ability to evidence affordability. Criteria vary by product, sector, and lender. Submitting a Quick Quote is the best way to check potential eligibility without obligation.

FAQs: Commercial mortgages and property finance with Best Business Loans

Do you arrange commercial mortgages or property finance?

No. We do not arrange commercial mortgages, bridging loans, development finance, or other property finance. We focus on non-property business funding.

Can you still help if my goal is to improve my premises?

Yes, potentially. Fit-out finance, asset finance, and equipment finance can fund refurbishments, machinery, and energy upgrades without a mortgage. These may deliver your project outcomes more quickly.

Will you introduce me to a property finance broker?

We do not introduce to property finance brokers at this time. If your needs are property-specific, consider speaking with your bank or a specialist, regulated broker.

Is your service free to use?

Submitting a Quick Quote is free and without obligation. If you proceed with a lender or broker, fees and costs may apply and will be disclosed by them.

Do you guarantee funding or the lowest rate?

No. Approval, terms, and pricing depend on the lender’s assessment and your business profile. We aim to connect you with relevant options so you can compare and choose.

What information will I need for non-property finance?

Expect to provide company details, recent accounts or management information, bank statements, and specifics of the asset, project, or purpose. Requirements vary by product and provider.

Are you regulated by the FCA?

We act as an independent introducer and do not provide regulated mortgage broking or advice. We follow the spirit of FCA rules on fair, clear, and not misleading promotions, even where not legally required.

How quickly could I get a decision?

Timeframes vary by product and lender. Many non-property facilities can progress faster than property finance, subject to eligibility and due diligence.

Compliance and transparency notice

Information on this page is for general guidance only and is not financial, legal, tax, or mortgage advice. Finance is subject to status, underwriting, and affordability. Fees, rates, and terms vary and can change.

We do not offer property finance products. For regulated mortgage needs, seek advice from an appropriately authorised firm. Always review lender disclosures and terms before you apply.

Updated October 2025.

Next step: If non-property funding could meet your goals, complete a Quick Quote for a fast eligibility check and relevant introductions. It’s quick, secure, and there’s no obligation to proceed.