Commercial Property Loans UK (£50k–£500k+) for SMEs
For many SMEs, securing the right premises is a vital part of growth. Whether you are buying a new office, acquiring a warehouse, or refinancing an existing property, a commercial property loan gives you the capital to move forward.
At Funding Freddie, we connect SMEs across the UK to £50k–£500k+ commercial property loans through our network of FCA-authorised lenders.
With one application, you can compare multiple offers and choose the right funding solution to secure or expand your premises.
What is a Commercial Property Loan?
A commercial property loan is a type of finance used to purchase, refinance, or develop business premises.
Unlike residential mortgages, these loans are tailored for businesses, with terms that match cash flow and growth projections.
SMEs typically use commercial property loans for:
Buying offices, shops, or warehouses
Refinancing existing property loans to release equity
Funding property improvements or developments
Securing premises for expansion
Why Choose a Commercial Property Loan?
Owning or refinancing commercial property provides SMEs with:
Access to £50k–£500k+ in funding
Longer repayment terms than other loans
Potential equity release to reinvest in growth
Fixed or variable rate options depending on lender
Instead of being tied to rising rents or limited space, property loans allow you to create stability while building long-term value in your business.
Real Business Success Stories
Case Study 1: Hackney Startup (£300k)
A growing tech startup purchased its first office hub with a £300k commercial property loan, reducing monthly rental costs and creating along-term asset.
Case Study 2: Croydon Logistics Firm (£500k)
A logistics company refinanced its warehouse, releasing £500k in equity to fund fleet expansion.
Case Study 3: Leeds Retailer (£200k)
A retail business acquired a new shop in a prime location with a £200k loan, increasing customer footfall and revenue by 25 percent.
Who Commercial Property Loans Are Right For
Commercial property loans are ideal for SMEs that:
Need at least £50k in funding for premises
Want to buy, refinance, or invest in property
Have a strong trading history and turnover to support repayments
Are ready to use property ownership as part of long-term growth
Industries that often use property loans include:
Retail and hospitality
Manufacturing and logistics
Tech and creative firms
Professional services and healthcare
Commercial Property Loans vs Other SME Funding
Property Loans vs Expansion Loans
Expansion loans fund general business growth, while property loans specifically fund premises.
Property Loans vs Working Capital Loans
Working capital covers short-term cash flow. Property loans are long-term commitments.
Property Loans vs Leasing
Leasing space can be flexible, but ownership builds equity and stability.
Want to compare all our SME funding options? Visit our Funding Solutions hub.
How It Works With Funding Freddie
Apply Online
Share details about your business and property goals.
Get Matched
We connect you to FCA-authorised lenders who specialise in commercial property loans.
Compare Offers
Review terms and choose the best fit for your business.
Secure Your Premises
Access funding from £50k–£500k+, often with flexible repayment structures.
FAQ's
FAQs — Commercial Property Loans UK
We know applying for business funding can feel overwhelming. That’s why Freddie makes it simple, clear, and transparent.
What is the minimum amount I can borrow?
👉 Funding Freddie connects SMEs to commercial property loans starting from £50k.
How long are the repayment terms?
👉 Terms can range from 5 years to 25 years, depending on lender and loan size.
Can I refinance an existing property loan?
👉 Yes, refinancing can help release equity or secure better terms.
Do I need a deposit?
👉 Most lenders require a deposit, typically around 20–30 percent of the property value.
What types of property can I buy with a commercial loan?
👉 Offices, retail shops, warehouses, and other premises used for business.
Why Choose Freddie for Commercial Property Loans?
Funding Freddie makes the process of securing property finance simple and transparent:
Borrow £50k–£500k+
Fast approvals and multiple offers
Tailored terms from FCA-authorised lenders
A broker you can trust to put SMEs first
Business Funding Made Simple, Safe & Transparent
Address: Ilford Lane, Ilford, England, IG1 2SN
Email: [email protected]
Phone: 0741 410 7585
Opening Hours: Available 24/7 to answer your questions and guide you.
You can also complete our online eligibility form anytime, 24/7
Funding Freddie is a trading name of Digital Success Blueprint Ltd. Registered in England and Wales. Registered address: 411 Ilford Lane, Ilford, England, IG1 2SN.
Funding Freddie is not a lender. We act as an introducer, connecting SMEs with a panel of carefully selected FCA-authorised lenders. All loan agreements are made directly between the applicant and the lender.