1. Tell us the requirement
Start with the amount, purpose and timing. You do not need to choose the correct product first.
Larger & specialist funding
Commercial Property Finance
Commercial property finance is a starting point for business premises purchases, commercial refinancing, property-backed capital raising and development requirements. The right route depends on the purpose, property, timescale, contribution and repayment or exit plan.
Usually takes around 5–8 minutes. An enquiry does not commit you to taking finance.
Access to 250+ funding routes through our lender & specialist partner network.
Which commercial property route is the starting point?
| Requirement | Route to review | Key decision |
|---|---|---|
| Commercial mortgage | Longer-term purchase or refinance of business premises or an eligible commercial investment. | Can trading cash flow or rental income support ongoing repayments? |
| Commercial bridge | A short-term commercial transaction or transition. | Is there a credible, evidenced exit? |
| Property development finance | A costed development with staged funding. | Are planning, equity, budget and end value supportable? |
| Refurbishment funding | Works to a commercial property. | Are works minor, structural or part of a wider development? |
| Property-backed business funding | Business-purpose capital raising using commercial security. | What is the repayment source and existing security position? |
Refurbishment and capital raising are use cases, not promises of a separate product. NBS can review whether a mortgage, bridge, development structure or another business route is the appropriate starting point.
Purpose, security and repayment come first
For owner-occupied premises, providers assess the business and its trading performance as well as the property. Eligible commercial investment scenarios require review of leases, rental income, occupancy and borrower circumstances. Property value alone does not establish affordability.
The amount requested, existing borrowing, deposit or equity and property condition all matter. A valuation is part of assessment; an estimated value is not a funding commitment.
Short-term or long-term funding?
A bridge addresses a transition and must have a credible repayment exit. A commercial mortgage normally addresses a longer-term borrowing need. Development funding may release money in stages against a budget and monitoring conditions. Compare commercial bridging with a commercial mortgage before assuming the quickest-looking route is suitable.
Commercial scope and individual review
These routes concern commercial and business funding introductions. Personal residential mortgages and consumer homeowner borrowing are outside this page’s scope. Mixed-use properties and ambiguous occupancy or borrower arrangements require individual review; they should not be assumed suitable.
Useful information to prepare
You do not need every item to start. Tell us the amount, purpose and timing; NBS can explain what would help the next review.
- Property address, use, ownership and estimated value
- Purchase terms or refinance balance and existing charges
- Amount, purpose and required timing
- Deposit or equity contribution and source
- Accounts, management figures and repayment explanation
- Leases, rental schedule, planning or works budget where applicable
Important considerations
- Property is security and may be at risk if obligations are not met.
- Valuation, legal, arrangement and exit costs affect total cost.
- A refinance or sale exit can fail or take longer than expected.
- Mixed-use and occupancy details can change which route can be considered.
NBS Finance is a commercial finance broker and introducer, not a lender. Providers make funding and credit decisions and set the amount, charges, security and terms. An enquiry or introduction does not guarantee finance.
The NBS enquiry process
2. Review the starting route
NBS reviews the information and identifies an appropriate starting route through its lender and specialist partner network.
3. Provider assessment
A suitable provider may request further information and decide whether to offer terms. Review any offer before committing.
Related funding routes
Frequently asked questions
Which property product should I select before enquiring?
You do not need to diagnose it first. Explain the property, purpose, amount, timing and proposed repayment; NBS can review the starting route.
Can commercial property support capital raising?
It may be considered for a business purpose, subject to equity, repayment, existing borrowing and provider criteria.
Do you arrange personal residential mortgages through this page?
No. This page concerns commercial and business funding introductions.
What about a mixed-use building?
Describe its use and occupancy. Mixed-use scenarios require individual review and are not automatically treated as eligible.
Tell us what the business needs
Tell us the amount, purpose and timing. We can review which starting route appears most relevant.
One enquiry. No commitment to take finance. Subject to provider assessment and terms.