Home02 / COMMERCIAL LOANSBusiness and property finance with a clear purpose.
Whether you are buying premises, funding expansion or developing property, the borrowing needs to work with your plans. We prepare your case and approach lenders suited to the transaction.
Start Your EnquiryBusiness-purpose finance. Fortis is a broker, not a lender.
YOUR FUNDING OPTIONS
Match the facility to the requirement.
Commercial mortgages
Finance for buying or refinancing eligible business premises and commercial investment property. Assessment may consider business income, rental income, valuation and the proposed security.
- Owner-occupied commercial premises
- Commercial investment property
- Refinancing existing borrowing
Secured business loans
Borrowing supported by an eligible property or business asset. The lender will consider the security, repayment capacity and any existing charges.
- Funding for defined business purposes
- Review valuations and security requirements
- Understand guarantees and asset risks
Unsecured business loans
Business borrowing without a charge over a specified asset. Approval depends on the lender’s assessment, and a personal guarantee may still be required.
- Expansion, stock or operating requirements
- Assessment of trading and repayment capacity
- Clear explanation of repayment and guarantee terms
Bridging finance
Short-term finance for a time-sensitive property or business transaction. A credible repayment route is central to the application.
- Acquisitions and eligible refinancing
- Review sale or refinancing exit plans
- Understand retained or rolled-up interest and fees
Property development finance
Funding for eligible ground-up developments and refurbishment projects. Facilities may release funds in stages against progress and lender conditions.
- New development and substantial refurbishment
- Review budgets, planning and contractor details
- Assess staged drawdowns and the proposed exit
IS THIS THE RIGHT ROUTE?
Consider the business.
Consider the commitment.
This may suit an established business investing in growth, an owner purchasing premises, or a developer with a defined project and repayment strategy.
Secured property or assets may be repossessed if repayments are not maintained. Personal guarantees can create personal liability. Bridging and development finance carry risks if the intended sale or refinancing does not complete.
We discuss the proposed terms and charges before you decide whether to proceed. All facilities remain subject to provider criteria, status and credit checks.
HOW YOUR ENQUIRY WORKSOne prepared case.
One named contact.
Our lender network gives us access to over 200 commercial lenders. We approach providers whose criteria fit the enquiry; the number of options available depends on your circumstances.
01Understand the requirement
Tell us what you need to fund, the amount and your preferred timing. We establish the business circumstances before looking at potential routes.
02Prepare the application
We gather the business accounts and borrowing details, plus property, valuation, project or exit information relevant to the facility.
03Explain the available terms
We approach suitable providers and explain the proposed costs, security and next steps. You decide whether to proceed; the lender makes the credit decision.
FEES AND OUR ROLEClear costs before you commit.
Fortis is a broker, not a lender. Our broker fee is 1.5% of the loan amount or £2,995, whichever is greater. We may also receive commission from the lender. Lender arrangement, valuation, legal and other charges may apply, depending on the facility.
We arrange finance for business purposes only. We are not authorised or regulated by the FCA and do not give advice or recommendations on regulated products. Enquiries that fall within FCA regulation are introduced to Loan.co.uk Limited, an independent FCA-authorised firm (FRN 718486). We may receive an introduction fee.
Read our fees and disclosuresYOUR QUESTIONS
What to know before enquiring.
Can I refinance an existing commercial mortgage?
We can explore eligible refinancing enquiries. The assessment should consider any existing repayment charges alongside the interest, fees and conditions of the proposed facility.
How quickly can funding complete?
Timing depends on the lender, the information available and any valuation, legal or project requirements. We will explain the relevant stages once we understand the case; an enquiry does not guarantee completion by a particular date.
Does unsecured mean there is no personal risk?
No. A lender may require a personal guarantee even without taking a charge over a specified asset. Review the guarantee and obtain independent legal advice where appropriate.
What makes a bridging exit credible?
The lender assesses how and when the facility will be repaid. Supporting evidence may include a sale plan or a proposed refinancing route, together with realistic timing and contingencies.
START WITH YOUR PLANSTell us what you need to fund.
Start with the amount, purpose and timing. A named case handler will explain the information needed next.
Start Your Enquiry