Commercial Mortgage

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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:

  1. 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…
  2. 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.

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  • Competitive Interest Rates

    Commercial mortgages often come with competitive interest rates, especially when compared to other types of business financing. 

  • 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.

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With access to over 150 lenders, we can help make your plans a reality. 

  • Recent deal

    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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  • Recent deal

    50k Unsecured Business Loan secured for an existing client

    The funding will allow the business to increase their resources and take on more lucrative contracts.

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  • Recent deal

    60k credit facility arranged for a car sales business

    The business required funding to purchase stock and obtain a facility, which they could dip into as needed. 

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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.

    Yes, commercial mortgages can be used to refinance existing loans, often to take advantage of better interest rates, consolidate debt, or free up capital for other business purposes.

    Lenders consider several factors when evaluating a commercial mortgage application, including the value of the property, the business’s credit history, financial performance, the loan-to-value (LTV) ratio, the type of property, and the intended use of the property (owner-occupied or investment).

    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.

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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!

    Speak to an expert and start your business growth journey.

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    Ready to Fuel Your Business  Growth?

    Unlock the potential of your business with fast and flexible financing. Speak to our team of experts and find the best loan options tailored to your needs.

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