Quick Compare:

1. Funding Agent

Funding Agent Funding Agent is a UK business finance broker that helps SMEs access funding from a panel of lenders. It focuses on supporting SMEs seeking quick, flexible, and transparent options. The service often combines brokered access with a range of financing types suitable for different needs. Here's what to know:

Loan Details

• Min Amount: £10,000
• Max Amount: £1,000,000
• Min APR: 5%
• Max APR: 15%
• Loan Duration: 6 to 72 months⌛

Services & Industries

• Finance Types: Working Capital Loan, Business Expansion Loan
• Industries: Technology, Healthcare, Manufacturing

Pros

• Competitive APR
• Flexible terms

Cons

• Eligibility criteria apply

Sources: https://www.fundingagent.co.uk

2. Atom Bank

Atom Bank Atom Bank is a digital-only bank in the UK, offering straightforward commercial mortgage solutions often for new property purchases or refinances. It supplies rapid decisions with app-based services and security based on collateral. This approach is suitable for borrowers comfortable with digital channels and seeking transparent terms. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £2,000,000
• Min APR: 2%
• Max APR: 0%
• Loan Duration: Variable⌛

Services & Industries

• Finance Types: Commercial Mortgage
• Industries: Technology, Finance

Pros

• App-based banking
• Competitive rates

Cons

• Limited branch access

Sources: https://www.atombank.co.uk/business-loans/commercial-mortgages/

3. Barclays

Barclays Barclays offers a range of business loans and commercial mortgages, often through brokered channels. It supports UK SMEs in acquiring property or refinancing with flexible options. The service balances speed with comprehensive advice, suited for those wanting tailored solutions. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £1,000,000
• Min APR: 11.2%
• Max APR: 14.9%
• Loan Duration: 1 to 25 years⌛

Services & Industries

• Finance Types: Unsecured Loan, Commercial Mortgage
• Industries: Agriculture, Healthcare, Manufacturing

Pros

• Wide range of loan options
• Flexible terms

Cons

• Higher APR for smaller loans

Sources: https://www.barclays.co.uk/business-banking/borrow/commercial-mortgages/

4. NatWest

NatWest NatWest supports UK businesses with commercial mortgages suitable for property purchase or refinance. It offers flexible terms and quick decisions, often backed by collateral security. This makes it appropriate for firms seeking reliable, straightforward funding. Here's what to know:

Loan Details

• Min Amount: £1,000
• Max Amount: £250,000
• Min APR: 10%
• Max APR: 15%
• Loan Duration: 1 to 7 years⌛

Services & Industries

• Finance Types: Fixed Interest Loan, Commercial Mortgage
• Industries: Farming, Real Estate

Pros

• No early repayment fees
• Quick access to funds

Cons

• Limited loan size for new clients

Sources: https://www.natwest.com/business/loans-and-finance/commercial-mortgage.html

5. Shawbrook Bank

Shawbrook Bank Shawbrook offers tailored lending solutions for SMEs and property investors. It typically supports property purchase, refinance, or growth finance that may involve security or collateral, with options suited for rapid decisions. Here's what to know:

Loan Details

• Min Amount: £25,000
• Max Amount: £350,000
• Min APR: 6.39%
• Max APR: 14.1%
• Loan Duration: 1 to 5 years⌛

Services & Industries

• Finance Types: Unsecured Loan, Commercial Mortgage
• Industries: Healthcare, Transport, Logistics

Pros

• Specialist in property finance
• Flexible lending terms

Cons

• Requires detailed financials for approval

Sources: https://www.shawbrook.co.uk/business/business-lending/

6. HSBC UK

HSBC UK HSBC UK provides a wide range of commercial mortgage options, often supporting property investment or refinancing. It offers flexible rates and terms often based on collateral security and loan-to-value considerations. This makes it suitable for expanding businesses seeking reliable financing. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 3 to 30 years⌛

Services & Industries

• Finance Types: Commercial Mortgage
• Industries: Retail, Hospitality

Pros

• Global banking network
• Personalized advice

Cons

• Complex application process

Sources: https://www.hsbc.co.uk/business/commercial-mortgages/

7. Santander UK

Santander UK Santander offers a range of commercial mortgages, often with quick decisions and flexible repayment options. It is suitable for firms seeking property finance and growth funding with straightforward processes. Here's what to know:

Loan Details

• Min Amount: £25,000
• Max Amount: £0
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 1 to 25 years⌛

Services & Industries

• Finance Types: Commercial Mortgage
• Industries: Technology, Real Estate

Pros

• Strong customer service
• Flexible repayment options

Cons

• May require high security deposits

Sources: https://www.santander.co.uk/uk/business-support/commercial-mortgages

8. Lloyds Bank

Lloyds Bank Lloyds Bank provides flexible commercial mortgage options suitable for a range of property types and business sizes. It can support property purchase or refinance with terms based on security and income. This suits UK SMEs seeking reliable, adaptable financing. Here's what to know:

Loan Details

• Min Amount: £25,000
• Max Amount: £50,000,000
• Min APR: 0%
• Max APR: 0%
• Loan Duration: 3 to 25 years⌛

Services & Industries

• Finance Types: Commercial Mortgage
• Industries: Manufacturing, Construction

Pros

• Flexible terms
• Large loan amounts available

Cons

• Processing can be slow

Sources: https://www.lloydsbank.com/business/commercial-mortgages.html

9. Yorkshire Building Society (YBS)

Yorkshire Building Society (YBS) YBS offers a variety of commercial mortgage options with flexible terms for SME property needs. It focuses on competitive rates and simple application processes. This makes it suitable for firms wanting straightforward property finance options. Here's what to know:

Loan Details

• Min Amount: £0
• Max Amount: £0
• Min APR: 6%
• Max APR: 14%
• Loan Duration: 1 to 25 years⌛

Services & Industries

• Finance Types: Commercial Mortgage
• Industries: Retail, Real Estate

Pros

• Competitive rates
• Simple application

Cons

• Limited branch network

Sources: https://www.ybs.co.uk/commercial/product/compare-commercial-mortgage-rates

10. Commercial Trust

Commercial Trust Commercial Trust is a specialist broker that connects UK businesses to commercial mortgage providers. It offers tailored solutions for property purchase and refinance. Its service includes extensive broker networks, which can speed up the process and improve terms. Here's what to know:

Loan Details

• Min Amount: £150,000
• Max Amount: £35,000,000
• Min APR: 6.39%
• Max APR: 0%
• Loan Duration: Up to 75 years⌛

Services & Industries

• Finance Types: Commercial Mortgage
• Industries: Real Estate, Investment

Pros

• Secure, tailored options
• High loan amounts

Cons

• Broker fees may apply

Sources: https://www.commercialtrust.co.uk/commercial-mortgage-interest-rates/

How to choose

When selecting a lender for UK commercial property, consider your funding needs, loan size, and payment terms. Bank lenders often offer flexible, long-term options but may have stricter eligibility. Brokers can provide quick comparisons and access to multiple options, ideal for faster decisions. Evaluate application requirements, fees, and repayment structures to find the best fit for your business. Matching your needs with the right type of lender ensures smoother approval and better terms.

Conclusion

Matching the right provider depends on your specific needs. Banks like HSBC and Lloyds offer tailored, ongoing relationships. Brokers such as Funding Agent provide quick access to a range of lenders. Specialist firms like Commercial Trust focus on bespoke solutions for complex cases. Always verify current costs and terms with the lender; pricing may change. Funding Agent is a strong choice for SMEs that want quick comparisons across multiple options. Other providers suit larger amounts, asset-backed needs, or sector specialisms. Always confirm current costs and terms with the lender; pricing may change.