In its simplest form, commercial property finance is the use of secured lending to purchase a property. Traditionally the loan is secured by rental income or natural cash flow from a business, with the terms and headline interest rate highly dependent on these factors. Historically, larger companies with stronger cash flow have often found it easier to secure commercial property finance compared to smaller operations. The situation has changed over the last few years with the more specialist commercial property financial companies offering bespoke funding for small, medium and large operations.
Commercial property finance rates
There is no one size fits all with regards to a commercial property finance arrangement, all deals are different. The key to securing the best commercial property finance rates is to present your situation in the most advantageous light. What you may lack in cash flow you may make up for in assets and vice versa. There are now many different specialist commercial property financial companies focusing on particular types of property, specific size companies and even specialising in regions such as London for example.
Commercial property finance London is a prime example of how the market works. Even in the most challenging of economic times/property markets there is still finance for deals if the figures add up. The idea that commercial property funding will evaporate in challenging times is simply wrong with volatility often encouraging liquidity. We have years of experience in the commercial property finance market, we are in contact with specialist finance companies and private banks on a regular basis. We are well aware of the latest market trends and the outlook for the future.
How to secure the best terms for commercial property funding
As with many areas of finance, it is often a case of who you know not what you know when it comes to obtaining the best rates. Our independent status as a commercial mortgage broker ensures we are not tied down to any group of finance companies and are free to cherry pick the best deals in the marketplace. We have extremely close relationships with those operating in the sector and know what they need, when they need it and how it should be presented. We will work together with you to create a short, medium and long-term financial repayment plan with options further down the line to refinance if required.
As well as financing new property ventures, we are able to assist with refinancing options to address potential cash flow issues. It may be something as simple as extending current finance terms, switching assets as security or there may be a short-term requirement for additional funding. These are issues which should be addressed sooner rather than later to avoid paying premium interest rates when looking for distressed funding further down the line.
Call Enness today and discuss your requirements
Aside from the fact we have access to hundreds of different commercial property finance providers, we can create bespoke deals to suit your situation in a fraction of the time taken by traditional high street banks. We know the information required, we know where to find the best deals and we know time is of the essence. Our advisers are constantly in touch with market leaders, new entrants and those looking to attract new business with reduced introductory rates.
Using an array of different providers and different financial vehicles it is possible to overcome even the most complicated and time sensitive fundraising operational issues. We can tailor a bespoke commercial property finance deal for your situation, create a degree of long-term security and maximise your assets to reduce your finance costs. So, why not give us a call today. We can go through your situation in more detail and give you an example of the type of bespoke offering we can put together.