Commercial Finance
Business & Property Loans
Embedded Files
Commercial Finance
Commercial property finance is rarely straightforward. Lenders look beyond the property itself, weighing up the business case, tenant profile, and wider market conditions.
At EAS Finance, I work directly with business owners, landlords, investors, and developers to arrange mortgage and loan facilities that meet practical needs. From £50,000 upwards, we focus on clarity and speed—structuring your case properly so lenders can make quick, confident decisions.
Choosing the wrong facility can slow your project, increase costs, and waste valuable time. With access to a wide panel of lenders, I match you with the right deal on transparent terms—without upfront fees.
No jargon. No drama. Just finance handled properly.
No Upfront Fees
What Commercial Finance Covers
What Commercial Finance Covers
- Purchase or refinance of commercial properties (shops, offices, industrial units)
- Mixed-use property finance (retail with residential above)
- Investment property portfolios
- Owner-occupied business premises
- Commercial bridging loans for acquisitions and refinancing
- Short-term and long-term solutions depending on exit strategy
Typical Loan Structures
Typical Loan Structures
- Loans from £100,000 upwards
- LTVs typically up to 70–75% for investment, 65–70% for owner-occupied
- Terms from 3 years up to 25 years (depending on product)
- Fixed and variable interest options
- Capital repayment or interest-only structures
- Options for both UK-based and overseas investors
Worked Example
Worked Example
Project: Purchase of a £750,000 mixed-use property (retail ground floor with residential above).
• Commercial mortgage at 70% LTV = £525,000 loan
• Balance funded through investor equity
• Term: 15 years, interest-only for first 5 years
• Rental income from both units serviced the loan
This structure allows the investor to leverage rental income while retaining flexibility for future refinancing.
Commercial Finance Tailored to Your Business
Commercial Finance Tailored to Your Business
The point isn’t just to borrow - it’s to get terms that actually work for your business.
We arrange commercial finance so lenders see the strength in your case. That means quicker decisions, transparent terms, and funding that supports your goals - whether you’re expanding, refinancing, or protecting cash flow.
Our role is simple: cut through the complexity, anticipate lender questions, and present your project clearly, so the right lender says yes.
Buy, refinance, or develop property — expand without straining your cash reserves
Secure funding to grow — put the right finance in place so you can act when opportunities arise
Invest in commercial property — build income and long-term value with flexible terms
Fund mixed-use projects — tailored solutions for more complex developments
Release equity — free up capital from existing assets for reinvestment
Maintain working capital — keep day-to-day operations running smoothly while funding growth
Benefits of Commercial Finance
Common Borrower Mistakes
Common Borrower Mistakes
Relying only on their bank – your bank isn’t always the best option; terms can be slow and uncompetitive.
Incomplete paperwork – lenders want detail. Missing forecasts or accounts stalls the deal.
Overlooking lease details – clauses, break points, and tenant profile can all change how a lender views risk.
Forgetting exit costs – switching lenders without checking break fees or legal costs can wipe out savings.
Misjudging timeframes – commercial deals take longer than residential. Without planning, completion dates slip.
Why Clients Choose Us
Why Clients Choose Us
Broad lender access – high street banks, challenger banks, and specialist commercial lenders. 200 + Lenders
Tailored structures – capital repayment, interest-only, or hybrid solutions.
Experience with complex cases – non-standard construction, unusual leases, or multiple income streams.
Fast decision-making – removing bottlenecks before they slow the process.
Transparent terms – clear costs and repayment structures from the outset.
How We Make It Simple
How We Make It Simple
Clarify your objectives – we match you with the right lender first time.
Package the application - professionally presenting so your case is seen in the best light.
Manage the process actively – liasing with lenders, solicitors, and valuers to keep everything moving.
Negotiate the fine print – ensuring your terms work for you now and in the long term.
Page updated
Google Sites
Report abuse