Commercial property finance that gets structured properly the first time.
Commercial and industrial finance
Commercial property is priced on the asset, the lease and the borrower, and every bank weighs those three things differently. We package the deal properly, present the numbers the way a credit committee wants to read them, and place it with the lenders most active in that asset class.
What is included
Owner-occupied premises
Buy the building your business already rents. Lenders treat a trading business behind the asset very differently to a passive investment.
Investment and tenanted assets
Retail strips, office parks, mini factories and multi-tenant warehousing, assessed on lease covenant, escalation and vacancy risk.
Industrial and logistics
Factories, distribution centres and yards, including deals with specialised fit-out or environmental considerations.
Structuring that survives credit
Loan to value, term, amortisation profile and security are agreed before submission, so the deal is not repriced late in the process.
How the process runs
- 01Deal review and asset class assessment
- 02Financial pack prepared, including cash flow and lease schedule
- 03Placed with lenders active in that asset class
- 04Indicative terms compared on rate, loan to value and covenants
- 05Formal grant, valuation, legal work and registration
What to have ready
- Company registration documents and shareholder details
- Two to three years of annual financial statements
- Management accounts for the current year
- Lease schedule and copies of material leases
- Sale agreement or valuation on the target property