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Businesses Funding Property Finance

For commercial investors, developers, landlords and businesses

Property finance for your next project

✅ Apply for all types of property finance, from development loans to commercial mortgages
✅ Choose from over 100 UK lenders
✅ Access long term options to spread the cost of your loan
✅ Finance your next project, expand your property portfolio, or buy a new business premises

TRUSTED BY 150K+ UK BUSINESSES

£2bn in funding approved

Regulated by the FCA since 2015

100+ UK business lenders

What types of property finance are available?

Property development finance

Property development finance is a short term funding solution designed to support development projects at various stages. Whether you're working on a residential, commercial, or mixed-use build, this type of finance provides the flexibility to access funds when you need them most.

Find out more about development finance.

Bridging loans

Bridging loans are short term loans designed to "bridge the gap" when you need quick funding, for example, when buying a property at auction. They’re used to secure funds quickly and are usually repaid within a year, often with higher interest rates. While bridging loans often come with higher interest rates and arrangement fees, they provide the speed and flexibility many businesses need when timing is critical.

Find out more about bridging loans

Buy to let mortgages

Buy to let mortgages are loans for individuals or companies who want to buy property to rent out. The loan is secured against the property, and the rental income typically covers the mortgage repayments, making it a popular option for property investors.Whether you're growing an existing portfolio or stepping into the rental market for the first time, this type of mortgage can help you secure the property you need.

Find out more about buy to let mortgages

Commercial mortgages

Commercial mortgages are loans used to buy or refinance commercial properties, such as office buildings, shops, or warehouses. With lower interest rates than unsecured loans and repayment terms of up to 25 years, it’s a practical way to support business growth. The property itself is usually used as collateral, and rates will vary depending on factors like the loan amount, property type, and your financial profile.

Find out more about commercial mortgages

How does property finance work with Capitalise? 

At Capitalise, we do more than just help you fill out funding applications. We become your trusted partner in business finance, with a dedicated funding team that provides tailored support every step of the way. Here is what the journey will look like for your property finance projects: 

  1. If you've found a property you'd like to purchase or a project you’re eager to take on, Capitalise is here to help you secure the right funding. Search for funding on your Capitalise account to get started.  
  2. Next you’ll need to share some key details about the property and your situation. For example, let us know how much deposit you have, whether you have experience in property or not, and how much you want to borrow. It's also helpful to tell us how urgently you need the funds - do you require a fast-track option, or are you open to more competitive, lower interest rate options that may take a bit longer to secure? Sharing this information helps your funding specialist understand your needs and recommend the best solution for your project.
  3. Once we have this information, your dedicated funding specialist will guide you through your options. They’ll help you understand which financing solutions best fit your needs.
  4. Your funding specialist will then request any necessary documents and put together your application. Once everything’s in place, your application will be submitted to the appropriate lenders for assessment.
  5. If your application is approved, you’ll receive the funds you need to move forward with your property purchase or start your next project.

Property finance eligibility criteria

Eligibility for property finance will depend on the type of financing you’re looking for. Here’s a breakdown of how each property finance type can differ: 

  • With a commercial mortgage, lenders usually require a deposit of around 25% and will want to see that your business can afford the monthly repayments. You may need to meet a minimum revenue threshold.
  • For buy to let loans, lenders focus on the rental income the property will generate. This helps them assess whether the rental payments will cover the loan repayments.
  • For development finance, lenders will often consider your experience as a developer and your business's revenue. If you have a proven track record in property development, it can increase your chances of approval.

Each lender has its own criteria, so it’s helpful to speak with a funding expert to understand your options. With Capitalise, you can check your eligibility with over 100 lenders when you sign up. Plus, when you apply, our dedicated funding specialists will guide you through the process and help you understand the options available to you.

check your eligibility for free

Ready to start your next property project? 

Apply for property finance today.

Capitalise is an FCA regulated platform dedicated to UK businesses. Our mission is to help businesses to take control of their financial health. We support business owners by providing easy way to access over 100 lenders and compare their loan products. Our advanced platform makes intelligent matches and ranks lenders, based on their past successes, to help businesses select the best funding solution.

Capitalise also enables businesses to check their own Experian business credit score to better understand their financial health. Plus businesses can check the credit profiles of the companies they work with to reduce risk.

Having a good personal and business credit score is important because it shows lenders that you're reliable and likely to repay the loan. This can help you access more lenders and secure better rates. However, some lenders may still approve property finance even if your credit score isn’t perfect, especially if you have a solid deposit and the loan is secured against the property.

With Capitalise, you can finance a wide range of properties, as long as they are not your primary residence. This includes holiday lets, new business premises, and even development projects.

The term length for financing a property can vary depending on the loan type and lender. Generally, commercial mortgages are available with terms ranging from 5 to 25 years. For development loans, the term could be shorter, typically between 6 months and 2 years, depending on the project timeline.

The amount you can borrow to finance a commercial property will depend on several factors, including the property’s value, your deposit, your business’s financial health, and the lender’s criteria. Typically, you can borrow up to 75% of the property's value, meaning you'll need a deposit of 25%. However, some lenders may offer higher or lower amounts based on your specific situation. You can use our commercial property finance calculator to get an idea of how much you can afford to borrow.