Commercial Property & Asset Finance Solutions
Practical funding for businesses and property
Whether you’re buying a commercial property, refinancing an existing facility, funding growth, or acquiring assets, the right finance should support your plans – not complicate them. We help you explore suitable commercial funding options and structure them around your objectives, cashflow, and timescales.
Commercial finance can vary widely between lenders, and small details can have a big impact on pricing, flexibility, and approval. We translate the technicalities into clear choices and guide you through the steps needed to move forward.
Most first calls with a Haupt & Co Commercial Finance Specialist only take 15–20 minutes
No obligation, just clear advice
Understanding Commercial Finance
Commercial finance covers funding used for business purposes - such as purchasing or refinancing commercial property, investing in equipment, improving cashflow, or supporting growth. Terms, underwriting, and lender appetite depend on factors like trading history, affordability, security, industry, and how the funds will be used.
Common reasons clients seek commercial finance:
- Buying or refinancing commercial premises
- Purchasing semi-commercial or mixed-use property
- Funding business growth or expansion
- Improving cashflow and working capital
- Purchasing vehicles, plant, or equipment
- Consolidating or restructuring existing borrowing
The right solution balances cost, flexibility, security, and speed and matches how your business actually operates.
Why Haupt & Co
We focus on providing considered advice and steady support, helping you make sound finance decisions without unnecessary complexity.
- Whole-of-market, independent advice
- Practical guidance based on lender criteria
- Clear visibility on costs and risks
- Professionally structured lender submissions
- Support throughout the full process
- Trusted, long-term client relationships
Our advice is grounded in experience, careful assessment, and a clear understanding of how commercial finance works in practice.
Haupt & Co is a whole-of-market, FCA-regulated mortgage and protection broker, supporting clients with well-structured property and finance solutions.
What we'll cover in an initial conversation:
- Your funding purpose and timescale
- Business background and trading position
- Available security and lender requirements
- Key terms: rates, fees, and flexibility
- Intended outcome (purchase, refinance, or capital raise)
- What’s needed to move forward efficiently
No obligation - just straightforward guidance tailored to your needs.
Most of our clients are referred to us by existing customers
How it Works
Our process is designed to keep things structured, transparent, and moving forward, with clear oversight at every stage.
Understand
Research & Advice
Apply
Support
- Start with a focused discussion to understand your requirements and timescale
- Clarify business context, affordability, and any security available
- Research and compare suitable lenders across the market
- Recommend options and explain terms, costs, and key conditions clearly
- Package and submit the case, coordinating valuations and lender requirements
- Stay involved through to drawdown, supporting queries and changes as required
You’ll always know where things stand, what’s happening next, and who is managing each part of the process.
Commercial Finance FAQs
No two situations are the same. These are some of the questions we’re asked most often.
How do I know if commercial finance is the right option for me?
Commercial finance is typically suitable when funding is being used for business purposes rather than personal use. This can include property purchases, refinancing, growth capital, or cashflow support. We’ll help you assess whether commercial finance is appropriate and which route best fits your objectives and circumstances.
Commercial Finance can be used for:
Purchasing commercial property (owner-occupied or investment)
Refinancing existing commercial or semi-commercial property
Releasing capital from property for business or investment purposes
Funding business expansion or growth initiatives
Purchasing plant, machinery, vehicles, or specialist equipment
Improving cashflow or working capital
Supporting business acquisitions or buy-outs (subject to structure)
Consolidating existing business borrowing
Funding refurbishment or improvements to commercial premises
Short-term funding to support time-sensitive opportunities
Which types of businesses can apply for a Commercial Mortgage?
Most types of businesses can apply for a Commercial Mortgage, provided the borrowing is for business or investment purposes. This commonly includes limited companies, LLPs, partnerships, and sole traders, as well as property investment companies and trading businesses purchasing owner-occupied premises.
Professional practices, retail, hospitality, industrial, and manufacturing businesses are also commonly considered, subject to lender criteria. Each application is assessed on its own merits, taking into account the business structure, affordability, and the property being used as security.
What will lenders focus on when assessing my application?
Lenders mostly look at the purpose of borrowing, affordability, trading history, available security, and the overall structure of the deal. Small details can materially affect outcomes, which is why early structuring and clear presentation are important.
Eligibility Criteria to Meet:
The property is being purchased or refinanced for business or investment purposes
The applicant is a limited company, LLP, partnership, or sole trader (structure can affect lender choice)
The business can demonstrate affordability, typically through accounts, cashflow, or rental income
The property type is acceptable to lenders (e.g. offices, retail, industrial, mixed-use, or semi-commercial)
A suitable deposit or equity is available (loan-to-value requirements vary by lender and property type)
The applicant has a clear purpose for the borrowing and an appropriate term in mind
Any existing borrowing or credit commitments are disclosed and manageable
The security property is in a condition and location lenders are willing to consider
We will review your circumstances and package your case appropriately for lender assessment.
Do I need strong accounts to get approved?
Strong accounts can help, but they’re not the only factor. Some lenders place more emphasis on security, cashflow, or the underlying asset. We’ll be clear about what’s realistic based on your position and where flexibility may exist.
Are interest rates the most important consideration?
Not always. Fees, conditions, break clauses, and flexibility can have just as much impact over the life of the facility. Our role is to help you understand the full picture before committing.
What are typical interest rates for Commercial Mortgages?
Commercial mortgage interest rates vary depending on the lender, property type, loan structure, and the borrower’s circumstances. Unlike residential mortgages, rates are assessed on a case-by-case basis.
As a general guide:
- Rates are often higher than residential mortgages, reflecting the additional risk and complexity
- Pricing can be fixed or variable, with variable rates commonly linked to the Bank of England base rate
- Well-structured cases with strong affordability, suitable security, and lower loan-to-value ratios typically access more competitive rates
- Specialist or higher-risk property types, shorter terms, or higher leverage can result in higher pricing
The true cost of a commercial mortgage is not just the interest rate. Arrangement fees, valuation costs, legal fees, and any early repayment conditions should also be considered when comparing options.
We help clients understand the full picture, not just the headline rate, before committing to a facility.
How involved are you once the application is submitted?
We stay involved throughout the process. This includes managing lender queries, coordinating valuations where required, and supporting you through to drawdown. We don’t disappear once the paperwork is submitted.
How long does commercial finance usually take?
Timescales vary depending on the type of funding, lender requirements, and whether valuations or legal work are involved. If timing is critical, we’ll help identify the most practical route and explain what’s needed to move efficiently.
Can you help with complex or non-standard cases?
Yes. Many commercial finance cases involve nuance – unusual property types, complex income, changing trading performance, or tight deadlines. We’ll assess the position honestly and outline the options available.
Will you only recommend one lender?
We compare suitable options across the market and explain the trade-offs clearly, allowing you to choose based on fit rather than being pushed towards a single solution.
What should I prepare before speaking to you?
You don’t need everything ready at the first conversation. Once we understand your requirements, we’ll outline what documentation is likely to be needed and in what order, so you can prepare efficiently.