Construction business loans — commercial mortgages for yards, depots & premises
Short answer: Yes — UK Business Loans can introduce construction businesses to specialist lenders and brokers who arrange commercial mortgages for yards, depots and industrial premises. We do not lend money ourselves; instead you complete a short, no‑obligation enquiry and we match your business to lenders or brokers likely to consider your case. Our service helps you get fast, relevant responses so you can compare options and move ahead with confidence. Get Quote Now
Table of contents
- Quick answer — can we help?
- How UK Business Loans connects you
- Who this is for — construction use cases
- Types of commercial mortgages and alternatives
- What lenders and brokers look for
- Typical terms, costs and timeline
- Preparing a strong enquiry
- Why use UK Business Loans?
- How to get started
- FAQs
- Important information
Quick answer — can we help?
Yes. If you need a commercial mortgage to buy, refinance or develop an open yard, storage depot, vehicle depot, contractors’ workshop or small industrial premises, UK Business Loans can introduce your business to lenders and specialist brokers who focus on commercial property finance for the construction sector. Complete our short enquiry (it is not an application) and we’ll match you to partners who may contact you with options. Free Eligibility Check
Important: UK Business Loans does not lend money and does not provide regulated financial advice. We introduce enquiries to lenders and brokers. Any finance decision or offer comes from the lender or broker you choose.
How UK Business Loans connects you to lenders & brokers
We act as an introducer — our goal is to save you time and increase your chances of finding an appropriate commercial mortgage by matching your enquiry with lenders and brokers who understand construction property finance.
- Step 1 — Quick enquiry: You complete a short form with business details, postcode, loan amount and a brief description. This is not a loan application.
- Step 2 — Intelligent matching: We match your details to lenders and brokers in our network who specialise in yards, depots and industrial premises.
- Step 3 — Lender/broker contacts you: A matched partner will typically get in touch to request more detail, provide an indicative route and, where appropriate, an initial quote.
- Step 4 — Compare and proceed: You compare options, instruct the broker or lender you prefer, and progress to valuation, survey and legal completion.
Most matches produce contact within hours to 48 hours during working days. Our matching service is free for business owners and helps you reach multiple potential providers without repeatedly filling lengthy forms. Start Your Enquiry
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Who this is for — construction use-cases
We typically help limited companies and established construction firms (loans and mortgages start from around £10,000 upwards). Common applicants include:
- Groundworks and civils contractors buying a yard to store materials and plant
- Plant hire companies acquiring depot space for vehicles and equipment
- Roofing and joinery firms securing premises with workshop and storage
- Small developers or contractors purchasing a site to support operations
- Multi‑site operators looking to refinance or expand depots
Typical property types: open yards, hard‑standing compounds, small industrial units, vehicle depots, workshops with ancillary office space. Example mini‑cases:
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
- Mini case — Midlands groundworks firm: Bought a 0.5 acre yard with secure compound; matched to a specialist commercial lender who provided a 40% deposit mortgage and completed in 10 weeks.
- Mini case — Regional plant hire operator: Refinanced two depots into a single facility using a bridging loan followed by a long‑term mortgage arranged by a broker in our network.
Types of commercial mortgages and alternatives
Standard commercial mortgage (industrial / yard)
Longer‑term loan secured on freehold commercial property. Suits owner‑occupiers and investors. Terms typically 5–25 years; LTV depends on property use and condition.
Bridging finance
Short‑term purchase finance used to secure a property quickly while longer‑term funding is arranged. Useful when timing or chain issues matter.
Development finance
For refurbishing or building depot facilities. Lenders look at project costs, planning and exit strategy — often provided in stages (drawdowns).
Refinance / restructuring
Replace existing mortgages to reduce costs, consolidate multiple facilities or release equity for working capital or plant purchase.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Asset finance & equipment lending
If you plan to buy plant rather than property, asset finance or hire purchase may be a better fit; we can introduce specialist lenders for both property and equipment funding.
Each product is offered by a different type of lender — high‑street banks, challenger banks, specialist commercial mortgage lenders and broker panels. To explore options, Get Quote Now.
What lenders and brokers look for (eligibility & criteria)
Commercial mortgage underwriting for yards and depots focuses on both the borrower and the property. Key factors include:
- Business profile: Limited company financials, trading history, turnover and profitability.
- Deposit / equity: Available cash or equity — LTV varies by lender and property risk.
- Credit history: Director and company credit records; explanation of any recent insolvencies or CCJs helps.
- Property use & condition: Open storage, fuel storage, contamination risk, buildings condition and access.
- Planning & lease status: Freehold versus leasehold, permitted use, existing tenancies.
Valuation and specialist surveys (environmental, drainage, access) are often required. Common red flags are evidence of contamination, unsecured plant impeding security, or mixed residential use that complicates LTV. To speed a match, have management accounts, the proposed purchase price and a brief site description ready. Free Eligibility Check
Typical terms, costs and timeline
Below are typical ranges — your matched lender or broker will confirm exact terms for your case.
- LTV (loan-to-value): 25%–70% typical, depending on property type, condition and borrower strength.
- Repayment periods: 5–25 years for standard commercial mortgages; bridging loans are short term (days to 12 months); development loans usually aligned to project duration.
- Costs to expect: Valuation and survey fees, legal fees, lender arrangement fees, potential broker fees, Stamp Duty Land Tax where applicable.
- Timeline: Initial match: hours–48 hours; indicative offers: days to 2 weeks; full due diligence and completion: commonly 4–12 weeks depending on complexity.
Because terms vary significantly by lender, the value of using a broker or panel (via our introductions) is to uncover specialised appetite and realistic cost expectations fast. Start Your Enquiry
Preparing a strong enquiry
Submitting a clear, well-documented enquiry helps us match you to the right lenders faster. Checklist:
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
- Company name, registration number and contact details
- Trading history and turnover (latest accounts / management accounts)
- Target loan amount and how funds will be used (purchase, refinance, develop)
- Deposit available / equity to be released
- Property address / postcode and brief description (size, use, tenure)
- Any planning consents or known environmental issues
Suggested enquiry example text to paste into the form: “Buying freehold yard at [postcode], turnover £X, deposit £Y, need £Z to purchase and carry out consolidation works. No current CCJs; 5 years trading.” The clearer the detail, the quicker brokers/lenders can respond. Get Started — Free Eligibility Check
Why use UK Business Loans for construction commercial mortgages?
- Saves time: One short form connects you to multiple likely lenders/brokers.
- Sector experience: We match you to partners with appetite for construction yards, depots and industrial premises.
- Free and no obligation: The enquiry is free — you decide whether to proceed once you receive quotes.
- Confidential: Your information is only shared with selected partners to find a match.
For more information on the range of construction finance we handle, see our guide to construction business loans and specialist lenders for site purchases at construction business loans.
How to get started
It only takes a couple of minutes to complete our enquiry form. Provide a few key facts and we’ll do the rest — matching you to lenders and brokers who can provide quotes. No application, no upfront cost, and no obligation to proceed.
Free Eligibility Check — Get Quote Now
FAQs
Can UK Business Loans connect me with lenders for a yard or depot purchase?
Yes. Complete our short enquiry and we will introduce you to lenders and brokers that specialise in commercial mortgages for yards, depots and industrial premises.
Do you lend the money directly?
No. UK Business Loans is an introducer — lenders and brokers we connect you with make any credit decision and provide the funds.
Will submitting an enquiry affect my credit score?
No — completing our enquiry does not affect your credit score. Lenders or brokers may run credit checks later with your consent.
What deposit do I need for a commercial yard?
Deposit requirements vary by lender and property. Typical LTV ranges are shown above; your matched broker will give tailored guidance based on the specific property and your business profile.
Can you help businesses with adverse credit?
Yes — because we work with a wide panel of lenders and brokers, we can often find routes for businesses with historic or adverse credit, though terms will depend on the lender’s appetite.
What happens after I submit the enquiry?
We match your details to suitable partners. A lender or broker may contact you to request further documents, provide an initial route or an indicative quote. From there you decide whether to progress.
Important information
UK Business Loans does not lend money and does not provide regulated financial advice. We introduce enquiries to selected lenders and brokers. Any finance offer or credit decision is made by the lender or broker you choose. Our service is free for business owners. By submitting an enquiry you agree that we may share your details with our partners to find a match — the enquiry is not a formal loan application. See our Privacy Policy and Terms & Conditions for full details.
Ready to compare commercial mortgage quotes for your yard, depot or premises? Complete a short enquiry now and get matched to the best lenders and brokers for your case. Get Quote Now
1. Can UK Business Loans help me secure a commercial mortgage for a yard, depot or industrial premises?
Yes — we introduce construction businesses to specialist lenders and brokers who arrange commercial mortgages for yards, depots and industrial premises after you complete a short, non‑binding enquiry.
2. Do you lend money directly or provide regulated financial advice?
No — UK Business Loans is an introducer only; lenders or FCA‑regulated brokers we connect you with make credit decisions and provide offers.
3. What deposit or LTV can I expect for a commercial yard or depot mortgage?
Deposit and LTV vary by property use, condition and borrower strength, with typical lender ranges around 25%–70% LTV depending on risk and circumstances.
4. How quickly will a lender or broker contact me after I submit the enquiry?
Most matches generate contact within hours to 48 hours on working days, though detailed indicative quotes may take a few days.
5. Will submitting a free eligibility enquiry affect my personal or company credit score?
No — completing our enquiry does not affect your credit score; any lender or broker credit checks are conducted later and only with your consent.
6. Can you help construction firms with adverse credit or a short trading history?
Yes — we work with a broad panel including specialist lenders who may consider cases with historic adverse credit or limited trading history, although terms can be less favourable.
7. What types of finance for construction businesses can you introduce me to?
Through our network you can be matched to commercial mortgages, bridging finance, development loans, refinance solutions and asset/equipment finance tailored to construction needs.
8. What information and documents should I have ready to speed up matching for a commercial mortgage?
Have your company name and registration number, recent accounts or management accounts, target loan amount and use, deposit/equity details, and the property address, use and any planning or environmental notes.
9. How long does the full process from enquiry to mortgage completion normally take?
Initial matching: hours–48 hours; indicative offers: days to two weeks; full due diligence and completion commonly take 4–12 weeks depending on complexity.
10. Is using UK Business Loans free and am I obliged to accept any offers after submitting an enquiry?
Yes — our matching service is free and non‑obligatory, and you only proceed if you choose to instruct the lender or broker who provides a suitable quote.