Commercial mortgages for UK SMEs
Looking to purchase or refinance commercial property? A commercial mortgage provides long-term funding to help your business acquire premises, expand operations, or invest in property for rental income. Whether you’re buying an office, warehouse, retail unit, or mixed-use property, a commercial property mortgage offers competitive interest rates, flexible repayment terms, and the ability to build equity over time.
Popular with UK businesses and investors, commercial mortgages can also be used to release equity from existing properties or refinance existing loans to reduce costs and improve cash flow.
What is a commercial mortgage, and how can it be used?
A commercial mortgage is a type of business loan secured against commercial property. Unlike residential mortgages, these loans are tailored for properties used for business activities, such as offices, industrial units, retail spaces, or warehouses.
With a commercial mortgage, your business can access a substantial loan amount to purchase or refinance a property, typically repaid over a term ranging from 5 to 25 years. Since the property is used as security, lenders may offer more favourable rates to eligible applicants with a strong financial profile.
Why choose Prospera Funding for a commercial mortgage?
Full access to UK lenders
Access tailored business finance from £5,000 to £25M, with rates from 4.5%. Prospera Funding connects UK SMEs with both traditional and alternative lenders for flexible, fast business finance solutions.
Protecting your credit
We prioritise protecting your credit score by leveraging our lender network and industry expertise to assess your funding options without formal applications or credit checks.
Fast decisions
Our lenders offer faster funding than traditional bank loans, ideal for businesses needing quick access to working capital, cash flow, or growth. Decisions and funds in as little as 24 hours.
Transparent costs
You know your business best, and whether business finance makes sense to achieve your goals. At Prospera Funding, we simply present the best funding options, fully explain the costs, and let you decide. No risk, no commitment, and no broker fees.
Industry specialists
Our business finance specialists have expert knowledge and proven experience across multiple industries, ensuring tailored funding solutions aligned with your business goals.
Flexible options
Our lenders provide flexible loan terms, repayment options, and requirements, helping businesses find funding that aligns with their goals
Aftercare support
With expert finance specialists and a vast lender network, we deliver tailored business funding solutions and ongoing support, ensuring your company always has access to the most cost-effective finance options on the market.
Industry compliant
We work with FCA-regulated lenders and ensure full compliance with all industry rules and regulations.
Commercial Mortgage Calculator, Estimate Your Monthly Repayments
Get the right commercial mortgage for your business
Whether you’re acquiring new premises or refinancing an existing property, like an office, warehouse, or retail unit, a commercial mortgage allows you to spread the cost and preserve working capital. Access tailored solutions from over 120 UK lenders through Prospera Funding.
Rate from 4.5%, loans between £5,000 to £25,000,000.
360 overview of the whole UK lending market, all types of legal businesses considered.
Fast decisions, fast funding.
No cost, risk or commitment...and no credit searches.
How to apply for a commercial mortgage
We make business funding fast, simple, and tailored to you. Our advanced platform intelligently matches your business with the most relevant finance solutions from a wide panel of UK lenders. Whether you’re expanding, managing cash flow, or investing in growth, we’re here to help you access the funding you need, without the hassle.
Get funded in 3 easy steps
1. Tell us about your commercial mortgage requirements
Let us know how much you’re looking to borrow, property details, mortgage requirements and a few key details about your business. No lengthy forms, just straightforward questions.
2. Review commercial mortgage options
We scan over 120 trusted lenders to deliver options tailored to your specific funding needs at the best rates you are eligible for.
3. Receive commercial mortgage within 24 - 48 hours
Once you’ve chosen the best option, we’ll support you through the application, right through to the funds landing in your account.
