Competitive Interest Rates
Commercial mortgages often come with competitive interest rates, especially when compared to other types of business financing.
the low down
Is an Commercial Mortgage right for you?
A commercial mortgage is a loan secured by commercial property, such as an office building, shopping centre, industrial warehouse, or apartment complex. These loans are typically used by businesses to purchase, refinance, or develop commercial real estate.
There are 2 main types of commercial mortgage:
- Owner Occupied
This is where the business purchasing the property will also be occupying/trading from the property. I.e. a hotel, engineering firm operating from an industrial premises or recruitment firm operating out of an office etc… - Property Investment
This is where the business acquires the property to rent/lease the property out to a third party and benefit from rental income.
At Sedulo Funding Solutions, we have access to the whole UK finance market and we make business finance easy.
Fancy booking a call (or meet-up) with our team of experts? We can get you a no-obligation quote.
Long-Term Financing
Commercial mortgages typically offer long repayment terms, often ranging from 5 to 25 years. This allows businesses to spread out the cost of purchasing or refinancing property over a longer period, making monthly payments more manageable.
Rental Income
With property investment mortgages, businesses can generate a steady stream of rental income by leasing the property to third parties. This can provide a reliable source of revenue and help cover mortgage payments.
Asset Ownership
Commercial mortgages enable businesses to build equity in valuable commercial properties. Owning the property rather than leasing it can provide greater control over the business's operating environment and eliminate concerns about rising rental costs.
Calculations Made Easy
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£150,000 for an insulation contracting company in just two days
The business needed working capital so they could make repairs to a van and begin a new and exciting project.
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Sam Wells
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Invoice Finance facility for multi-million turnover recruitment company
Following a change in banking facilities, the new provider could not assist to the required levels. Sedulo Funding Solutions structured a bespoke working capital solution for them.
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£150,000 Unsecured Business Loan for a renewable energy business
The business required working capital to facilitate a large contract.
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Sonny Wilson
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Answers To Your Questions
We’ve put together a list of common Business Loan FAQs. If there’s something you want to know and you can’t find the answer here, get in touch with our team of finance experts.
The amount you can borrow with a commercial mortgage depends on several factors, including the value of the property, the type of business, the loan-to-value (LTV) ratio, and the business’s financial situation. Typically, lenders may offer up to 70-80% of the property’s value, but this can vary.
A commercial mortgage is a type of loan secured by commercial property, such as office buildings, industrial warehouses, shopping centers, or apartment complexes. These loans are commonly used by businesses to purchase, refinance, or develop commercial real estate.
They’re ideal for a wide range of businesses; particularly companies looking to purchase or refinance the property they operate from (Owner-Occupied) or those interested in investing in commercial real estate to generate rental income (Property Investment).
While both types of mortgages are used to finance property purchases, a commercial mortgage is specifically for properties used for business purposes or investment in commercial real estate. In contrast, a residential mortgage is for purchasing a home or residential property. Commercial mortgages generally have different terms, higher interest rates, and different lending criteria compared to residential mortgages.
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A Team Of Finance Experts, On Your Side
Whether you’re looking to obtain funding to take on the next stage of business growth or access working capital to cover costs, it’s important to have a team of experts on your side.
Our experienced funding team operates out of each city centre office in Manchester, Leeds, Liverpool, London and Birmingham. We’re available to meet face-to-face so that we can better understand your business and talk you through your funding options, or we can assist over the phone – whichever you’d prefer!
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