Commercial Property Finance

We deal with complexity

Commercial property finance requires a different approach to residential - lenders assess the asset, the income, and the business case behind it. EAS Finance arranges commercial mortgages, commercial bridging loans, and structured finance for business owners and investors across the UK. With access to over 300 lenders, including specialist commercial funders, we find solutions for properties and deals that high street banks routinely decline.

Commercial finance covers a wide spectrum of lending, from property-backed mortgages to working capital, asset purchases, and cash-flow support.

Lenders look beyond the property or the balance sheet - they weigh the business case, the sector, the management, and the commercial rationale behind the request.

At EAS, we work directly with business owners, landlords, and developers to secure finance that fits your goals. From £100,000 upwards, we focus on clarity, clean structuring, and presenting your case so lenders can make fast, confident decisions.

Choosing the wrong facility can slow your business, increase costs, or restrict growth. With access to a wide panel of more than 300 lenders, I match you with the right product on transparent terms - without upfront fees.

No jargon. No drama. Just finance handled properly.

What Commercial Finance Covers

Property-Backed Finance

Purchase or refinance of commercial properties (shops, offices, industrial units)

Mixed-use and semi-commercial property finance

Investment portfolios and SPVs

Owner-occupied trading premises

Commercial bridging loans for acquisitions, investment, and refinancing

Short-term and long-term, depending on the exit strategy

Business & Cash-Flow Facilities

Working Capital Loans: short-term liquidity to manage cash flow, seasonal revenue gaps, or operational pressures

Invoice Finance: confidential invoice discounting or full factoring to accelerate cash flow

Unsecured Business Loans: from £50k–£350k depending on the lender and trading performance

Asset Finance: funding for equipment, machinery, vehicles, or technology

Merchant Cash Advance: flexible repayment linked to card turnover

Professional Practice Loans: tailored for accountants, surveyors, solicitors, architects, and similar sectors

Typical Loan Structures

Loan amounts from £100,000 upwards (lower for some business loans)

Commercial mortgages typically have a 70–75% LTV for investment, 65–70% for owner-occupied

Terms from 3 years to 25 years on property facilities

Working capital and unsecured loans: 1–5 years

Fixed or variable rates

Capital repayment or interest-only (product dependent)

Facilities for both UK-based and overseas investors

Common Borrower Mistakes

Relying only on their bank: slow, restrictive, and often uncompetitive

Incomplete paperwork: missing forecasts, or accounts, stalls underwriting

Overlooking lease details: break clauses and weak tenants change risk

Ignoring exit costs: early repayment fees and legal costs can erode savings

Misjudging timeframes: commercial lending can take longer than residential lending

Why Clients Choose Us

Broad lender access: high street banks, challenger banks, and specialist commercial lenders. 300 + 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.

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