Commercial Property Finance
Move fast on commercial property investments with funds often given in 48 hours and accepted in under 24.
Experts in Bridging Finance
Goldhill Finance can grant secured second charge bridging loans for businesses and investors who need to move fast on investment opportunities. We are a private lender who lend directly, no broker middlemen, no delays, just instant decisions and quick access to money. Borrow from £10,000 to £500,000, secured by commercial property (freehold or long leasehold), with most loans ready to go in 48 hours and often accepted in under 24 hours.
Waiting around may cost you thousands.
What do we offer?
- Secured property loans for purchases, refurbishments, refinancing or commercial investment.
- Loan sizes from £10,000 to £500,000
- Typical completion within 48 hours of enquiry
- Simple application journey, even without proof of income
- The best flexible terms built to meeting your exit
Why choose Goldhill Finance?
- We are the lender, no time-wasting with brokers
- Common sense decisions based on commercial value
- Self-employed, complex credit, partnerships - all funded
- Repayment on interest roll-up or monthly rota
- Transparent process, quick moving, no unnecessary drama
Most common questions on loans for commercial property
Common uses include:
- Buying a commercial property before selling another.
- Funding refurbishments or new conversion.
- Buying commercial units at auction.
- Adding properties to a buy to let portfolio.
- Interim funds whilst working on refinance approval.
- Limited companies
- Partnerships
- Sole traders or self-employment
- Property developers or investors
As long as you have viable security and a realistic, strong exit strategy, you’re good to go.
This would depend on the property’s market value. However, if you offer additional assets as security, you might be eligible for higher LTV ratios.
Depending on risk, property type, LTV, and your exit strategy; this will determine your rate of interest. Lower risk = lower rate. Unfinished buildings, land, or complicated deals will cost more.
- Rolled-up: Paid at the end of the term.
- Retained: Deducted upfront from the loan.
- Serviced: Paid monthly, like a standard mortgage.
- Arrangement fee
- Valuation charge
- Legal fees (ours and yours)
- Broker costs (if payable)
- Exit fee (check your terms, as this may be waived)
Always consider the total cost of borrowing; including interest, setup, and exit fees, to understand the full financial outlay.`
Anything with tangible value, including:
- Offices
- Retail units
- Warehouse buildings
- Industrial premises
- Development land
- Semi-commercial properties (shop with flat)
Commercial case studies
Exiting a costly mortgage
Loan: £200,000 | Monthly rate: 1.32% | 9 months
What it was for: Client had to get out of an expensive commercial mortgage so to avoid big penalties while they sorted a more affordable long-term deal.
How we made it easy: We completed everything within days of instruction, did all the heavy lifting on due diligence for them, which kept the business running without a hiccup.
Expansion opportunity
Loan: £430,000 | Monthly rate: 1.48% | 12 months
What it was for: A business owner spotted a unit next door coming up for sale and wanted to snap it up for expansion before someone else beat him to it.
How we made it easy: A deal was put together and approved on the same day, minimal wait with the security side, and we moved so quickly that they beat the competition to it.