SME Products

Powering the growth of SMEs

Commercial Term Loan

Loan Amount

£500,000 to £5,000,000

Maximum Loan to Value

75% (Market Value basis)

Terms

Up to 5 years committed term (Repayment profiles can be up to 25 years)

Repayment Type
  • Capital and Interest (Up to 6 months Capital repayment holiday available)
  • Interest Only (additional criteria applies)
Arrangement Fees

1.5%

ERCs

No Early Repayment Charges for variable interest rate loans

Security
  • First legal charge over freehold / long leasehold property in England or Wales
  • Debentures and Guarantees considered on a case by case basis
Overpayments

Lump sum reductions allowed, minimum amount £50,000

Sole Traders*, Partnerships*, LLPs, UK registered Limited Companies, PLCs, SIPP and SSAS, Charities, Trusts and nominee structures domiciled in the UK, Overseas subsidiaries of UK domiciled companies if fully guaranteed by the UK domiciled parent, who are looking for funding secured against property (*borrowing requirement must be a non-regulated case)

Supports purchase / refinance / equity release of Commercial / Residential Property where the income to make repayments is from leases in place.

Owner-occupied trading premises located in England or Wales.

Commercial Investment Loan

Loan Amount

£500,000 to £5,000,000

Maximum Loan to Value

70% (Market Value basis)

Terms

Up to 5 years committed term (Repayment profiles can be up to 25 years)

Repayment Type
  • Capital and Interest (Up to 6 months Capital repayment holiday available)
  • Interest Only (additional criteria applies)
Arrangement Fees

1.5%

ERCs

No Early Repayment Charges for variable interest rate loans

Security
  • First legal charge over freehold / long leasehold property in England or Wales
  • Debentures and Guarantees considered on a case by case basis
Overpayments

Lump sum reductions allowed, minimum amount £50,000

Sole Traders*, Partnerships*, LLPs, UK registered Limited Companies, PLCs, SIPP and SSAS, Charities, Trusts and nominee structures domiciled in the UK, Overseas subsidiaries of UK domiciled companies if fully guaranteed by the UK domiciled parent, who are looking for funding secured against property (*borrowing requirement must be a non-regulated case)

Supports purchase / refinance / equity release of Commercial / Residential Property where the income to make repayments is from leases in place.

Commercial, industrial, office, retail, warehouses, light industrial units, Mixed Portfolios (incl. Residential & Commercial), land, hotels, retail units, student housing, housing association, HMOs, large BTL portfolios (8 properties or more), located in England, or Wales

Application Process

Submit your application

with the necessary financials, property details, and tenancy schedules (if applicable).

Indicative offer

Our team will promptly assess your request and provide an indicative offer.

Full underwriting

Accept the indicative offer and submit additional information for full underwriting.

Swift approval stage

Move on to the swift approval stage, guided by our experienced team.

Want to find out more?

Explore our lending process from application to approval.

Customer Journey

Our Promise

We are committed to providing a seamless and efficient financing process, and our experienced team will work with you every step of the way, from application to approval and the release of funds.

Ready to work together?

Get in touch to learn more about our tailored SME Lending services.

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