Truffle Specialist Finance

Commercial Finance

We offer specialist financial solutions for clients interested in purchasing commercial property, such as retail or business premises, or warehouses. Whether they are beginning or adding to their commercial property portfolios or wishing to re-mortgage their existing property, enquire with us.

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Contact Truffle

Financing Commercial Premises

If you have a client who is interested in purchasing a commercial property, an office, shop, or warehouse for example, we can assist. We work in partnership with intermediary only lenders, who appraise each application on its own merits, so we are able to offer completely unique solutions.

For Business Property Owners

We are experienced in finding bespoke financial solutions for individuals who are either starting or adding to their commercial property portfolios or are active trading businesses looking to purchase a new commercial or retail property. It also applies to those wishing to re-mortgage their existing property.

Makes Good Business Sense

Our extensive track record means we have exclusive access to lenders offering bespoke packages that are not available on the high street. By working with our network of like-minded professionals and drawing on our exemplary experience as a packager, we can arrange financial solutions for your clients, the likes of which you won’t find elsewhere.

Personalised Process

Our level of involvement is up to you – we can liaise with your client directly (which reduces the onus of compliance on you), or we can liaise with them via you. We invest time in understanding their exact requirements and sift through our network of lenders to seek and match specific terms. Once our proposal is agreed we will formally apply on your client’s behalf.

Finance Checklist

Commercial property purchases
Commercial re-mortgages

Commercial properties
Business premises
Retail premises

Property investors
Business owners
Retail premises owners

Starting property portfolio
Adding to existing property portfolios
Remortgaging existing properties

Frequently Asked Questions

A commercial mortgage helps protect your client’s business against rent increases and it is also a valuable source of business funding as the equity increases. Commercial mortgages enable your client to consolidate business debt, release capital to grow the business or buy new equipment.

The lender would typically look at project income, trading accounts, (full accounts, credits and assets), cash flow, bank statements and any outstanding debts. They would need to see proof of ID (such as passport or driving licence) and proof of residence (such as utility bill or bank statement) as well as considering your client’s ability to pay the deposit.

Yes, there are finance options for new businesses without trading history. In such cases lenders will usually accept an existing property (such as a residential property) as security.

Projects are assessed on a case-by-case basis with different fees with different structures being charged but fees typically include: broker fee, application fee, legal fees, valuation fee, administration fees and exit fees.

There is no set loan term for a commercial mortgage, it depends on the individual circumstances of the business and the business owner, so it can range from between 5 to 40 years.