Check If I Qualify
Check If I Qualify
Check If I Qualify
Apply Online Check If I Qualify
01604 43 43 43
hi@centurybusinessfinance.co.uk

Business Loans for Commercial Property 

Construction-&-Property-Development-Banner-Image

 

 

 

Check eligibility
in 20 seconds

Apply online
in 2 mins

Decisions in
less than 1hr

Borrow between
£10,000 - £250,000

No fees to
settle early

 

                     

 

Fast, Flexible Finance for Commercial Property

Buying, refinancing or refurbishing a commercial property is a major step for any business whether you're moving into your own premises, expanding into new space, or purchasing an investment unit. With property costs rising and lenders becoming more selective, securing the right finance is essential to complete your purchase and maintain smooth cashflow.

A commercial property loan gives you fast access to the funding needed to acquire premises, upgrade existing buildings or release equity without tying up large amounts of capital. With simple applications, quick decisions and flexible repayment options, commercial property finance lets you move forward confidently while keeping your business operations stable.

What Is Commercial Property Finance?

Commercial property finance is funding used to purchase, refinance or improve business premises. Instead of paying upfront, you borrow the amount required and repay it over an agreed term, making property acquisition or refurbishment more manageable for your business.

Finance can be used for a wide range of property types, including offices, warehouses, retail spaces, industrial units, hospitality venues, mixed-use buildings and commercial investments. Loan amounts typically range from £25,000 to several million, depending on the property value, your financials and lender criteria.

 

Construction & Property Development Image 1

How Does Commercial Property Finance Work?

1. Apply in Minutes

Lenders usually ask for:

  • Six months of business bank statements
  • Your most recent year-end accounts
  • Details of the property being purchased or refinanced
  • A valuation, survey or purchase price
  • Lease agreements or rental projections (for investment properties)

The clearer the information, the faster your application can progress.

2. Lender Assessment

Lenders evaluate factors such as:

  • Property type, location and condition
  • Your business performance and affordability
  • Deposit amount or equity available
  • Rental income or trading income (depending on structure)

This assessment ensures the funding structure aligns with both the property and your business plans.

3. Repayments

Once approved and legal checks are complete, funds are released so you can proceed with your purchase or refurbishment. Repayments typically include:

  • Fixed monthly repayments
  • Short-term bridging options from 3–24 months
  • Secured or semi-secured structures
  • Rates based on property value and risk profile

This allows predictable costs while your business benefits from owning or improving the property.

Why Choose Us for Your Commercial Property Finance?

At Century Business Finance, we work with a wide range of lenders specialising in commercial property purchases, refinancing and refurbishment. Whether you need a long-term commercial mortgage, short-term bridging loan or flexible funding for property upgrades, we make the process simple, fast and tailored to your needs.

Apply online in just a few minutes, with support from a dedicated Account Manager who can talk you through your options.  Once approved, funds can often be released quickly helping you secure opportunities, complete purchases and invest confidently in your commercial space.

Borrow from £10,000.00 to £250,000.00

Tailored financial solutions to suit projects of any scale, helping you meet your business needs.  

Unsecured Loans

Keep your assets safe—no collateral is required to secure funding. 

Flexible Terms

Repay with ease on your terms, with repayment periods ranging from 6 months to 5 years

Check Eligibility Online

Quickly determine your eligibility without any hassle using our convenient online tools.  

Simple Online Application

Save valuable time with our streamlined process to apply online.  

Early Settlement Allowed

Take control of your finances with the option to pay off your loan early without additional costs. 

Same-Day Funding

Receive funds in your bank account the same day your loan is approved, enabling you to act quickly.  

When Should You Use Commercial Property Finance?

Commercial property loans are ideal when you want to invest in your premises without restricting business liquidity. Common scenarios include:

  • Buying your own office, warehouse or unit
  • Expanding into larger commercial premises
  • Purchasing a retail unit, hospitality venue or mixed-use building
  • Refinancing to reduce monthly payments or release equity
  • Funding property refurbishment or upgrades
  • Converting buildings into commercial use
  • Securing a property quickly at auction
  • Buying investment properties to generate rental income

Finance works best when you have a clear plan for occupancy, cashflow and long-term value.

Construction & Property Development Image 2

When Should You Use Commercial Property Finance?

Commercial property loans are ideal when you want to invest in your premises without restricting business liquidity. Common scenarios include:

  • Buying your own office, warehouse or unit
  • Expanding into larger commercial premises
  • Purchasing a retail unit, hospitality venue or mixed-use building
  • Refinancing to reduce monthly payments or release equity
  • Funding property refurbishment or upgrades
  • Converting buildings into commercial use
  • Securing a property quickly at auction
  • Buying investment properties to generate rental income

Finance works best when you have a clear plan for occupancy, cashflow and long-term value.

Who Is Eligible for Commercial Property Loans?

You may be eligible if:

  • You operate a UK limited -registered business
  • You have consistent monthly business turnover
  • Your business shows stable financials and affordability
  • The property has a strong valuation and clear commercial use
  • You can provide rental projections (for investment deals)

Even if you’re newly established or have non-traditional income, alternative lenders may still consider your application.

Ready to Secure Commercial Property Finance?

If you're planning to buy or refinance a commercial property, or need funding for refurbishment or expansion, our team can help. We’ll compare lenders across our panel and match you with the most suitable business property loan.

What our clients say

Google-Review-Logo

 

 

 

 

 

 

“Jacob and Century have been brilliant for a number of years. Jacob has always listened to the company needs and ensured we were only matched with products that suited. I really highly recommend both the company, and, Jacob!”
Jonathon Ison
“The customer care was top-notch. I dealt with Jake Brown who was always on top of our needs. The service was very precise and all the formalities were sorted within a few days. Thumbs up all the way. Would definitely recommend Century Business Finance.”
Wale Towolawi
“No government initiative or loan has helped our business as much as Jake Brown. The service has been first class. Recovery from covid has been slow and challenging but it would have been impossible without Jake himself. He has literally saved the business! Communication has been crystal clear with finance approved and arranged on the same day. An outstanding service from a company I intend to use again and again. Thank you”
Owl Education Ltd
“Tom Hall has been fantastic. Within a week of exploring our options, the money was in the bank and the business kicked off. Highly recommend..”
Mark Gill
“Tom Hall has been very helpful and dealt with my queries and informed me of everything i need to do . Tom has managed to secured me the loan from century finance and i would definitely recommend them to every businesses.”
Davis Sanassy
“Joe Taplin has been so helpful from start to finish. Got regular updates about the application and did all he can to get funds available within days. Handled every task very professionally.”
Upul Ekanayake
“Tom has been very helpful in supporting our business needs. Only area for improvement is the level of detail in their quotations to enable a better market comparison.”
Alan Gates
“Joe was so helpful from start to finish of our communication. Kept me updated every step of the way & kept it very easy. Definitely recommend.”
Nat
“First rate service by my account manager Jake Brown, first time using Century Finance and I would use Jake again and recommend him to anyone looking for finance.”
John Bailey
“Exceptionally professional and quick service I would highly recommend to all my business colleagues. Many thanks especially to John Harrison who has been such a fantastic help throughout.”
Mike Finnigan
“I had the pleasure of dealing with Kane Murfitt and honestly cannot fault him. He stayed in regular contact throughout the process, guided me through the application and kept me fully updated. Very Happy!”
Marlon Carrington
“Great support from start to completion under the guidance of Jacob Bryant.Totally recommend for any business finance..”
Justin Jones
“I was very impressed at the speed, detail and affordability of business loans found by Century Business Finace. Jake was incredibly knowledgeable giving varied scenarios of how to ustilise their services - I've already made recommendations to my colleauges - thank you!”
Finance Department
“A fantastic service from the team at Century Business Finance from start to finish. It's my first time dealing with them and the service from both Max and Ben as been absolutely first class. I highly recommend Century Business Finance and will be using them again in the future when the need arises.”
Ryan White
“Excellent all round, I no longer waste my time trying others - Top work from my acc manager Joe Taplin”
Dan Currey
“A 5 star service. Very impressed with the account manager and will 100% recommend his services”
Vincent Torku
“As a small business at times its hard to get small amount for cashflow but dealing with Jacob Bourne has made the small business grow. What a professional Jacob is and it was so efficient that i will not hesitate to recommend CBF to any small to medium business.”
Alliance Speciality Care
“The customer service from John was great, very friendly and efficient. Would definitely recommend”
Katie
“We used Century to assist in funding our expansion, and could not be happier with how they helped. Jacob was prompt, professional and efficient.”
Martyn Solari
“A 5 star service. Very impressed with the account manager and will 100% recommend his services”
Vincent Torku

As Seen In

Times accreditations (3)
FT accreditations (2)

Latest News

Eligibility Criteria For Working Capital Loan: What Lenders Look For
A couple double-checking the lender's eligibility criteria for a working capital loan.
Growth Loans

Eligibility Criteria For Working Capital Loan: What Lenders Look For

Aug 21, 2025 2 min read
How Does A Working Capital Loan Work? Everything You Need To Know
Two people discuss how a working capital loan works and what to be aware of before applying.
Growth Loans

How Does A Working Capital Loan Work? Everything You Need To Know

Aug 11, 2025 2 min read
Fuel Growth & Sustain Your Operations With SME Working Capital Loans
Four professionals in a modern office with a laptop, with the central man explaining how to fuel growth with an SME working capital loan.
Growth Loans

Fuel Growth & Sustain Your Operations With SME Working Capital Loans

Aug 4, 2025 2 min read