Can UK Business Loans help me access commercial mortgages, development finance or bridging finance in the UK?

Short answer: Yes — UK Business Loans can help you access commercial mortgages, development finance and bridging finance by matching your business with specialist lenders and brokers who handle those products. We don’t lend or give regulated financial advice; instead, your enquiry (a simple information form) helps us identify suitable providers and arrange a no‑obligation, free eligibility check so lenders or brokers can contact you with tailored quotes. Get Quote Now — Free Eligibility Check

How UK Business Loans helps businesses access property & development finance

UK Business Loans is a specialist introducer that connects business owners and company directors with lenders and finance brokers who arrange commercial mortgages, development finance and bridging finance across the UK. Our service is designed to save you time and increase the chance of a good outcome by putting your requirement in front of the providers most likely to lend for your sector, deal size and location.

Here’s how it works — step by step:

• Complete a short enquiry form (takes about 2 minutes). This is not an application — it’s just information we use to match you.
• We assess the type of funding you need, deal size (we typically handle lending from £10,000 upwards) and the key eligibility signals.
• We introduce you to lenders or brokers who specialise in your required product and sector.
• Selected partners contact you to provide quotes, explain terms and carry out any formal checks if you choose to proceed.

Benefit highlights: faster responses (often same day), sector-specialist matches (developers, retailers, hospitality, construction), and no obligation to proceed. Start Your Free Enquiry — Get Quote Now

Which types of property finance we can help you with

Commercial mortgages

What they are: longer-term loans secured on commercial property used for purchase, refinance or owner-occupation. Typical uses include buying an investment property, refinancing existing commercial debt or purchasing premises for your business.

Typical deal sizes & terms: from around £50,000 up to multi‑million deals; terms commonly 5–25 years, often with repayment or capital-and-interest structures.

Who can apply: limited companies, property investment businesses and trading companies buying premises. Lenders consider security value, rental income (if investment), business cashflow, accounts and director covenants.

What to prepare: recent accounts, lease (if applicable), property details, pdf valuation or market evidence, and proof of deposit.

Development finance

What it is: short‑to‑medium term funding to buy and build or convert property, released in staged draws against construction milestones and often assessed against projected Gross Development Value (GDV).

Typical deal sizes & terms: usually from £100k up to many millions; terms typically 6–36 months; loan-to-cost (LTC) or loan-to-GDV metrics apply.

Who it’s for: professional developers, property companies and experienced builders working on residential, mixed-use or commercial development projects.

What underwriters look for: credible GDV appraisals, realistic budgets, planning status, developer experience, exit strategy (sale, refinance), and security details.

Bridging finance

What it is: short-term, high-speed loans used to bridge timing gaps — for example auction purchases, urgent acquisitions, chain breaks or short-term refinance while a longer-term solution is arranged.

Typical deal sizes & terms: from £10,000 upwards; most bridging loans run from 1 week to 12–24 months depending on exit arrangements; rates and fees vary with risk profile.

Common features: quick decisioning, interest roll-up options, high loan-to-value for experienced borrowers, but typically higher costs than long-term finance.

Note: If you’d like a broader overview of business finance options we cover, see our business finance guide on business finance.

business finance

Who is best suited to each product?

• Commercial mortgage: SMEs and property investors buying or refinancing commercial premises where a medium‑/long‑term mortgage fits the cashflow plan.
• Development finance: Experienced developers or property companies with a clear GDV-based exit plan and construction budget in place.
• Bridging finance: Buyers who need speed — auction bidders, urgent purchasers, chains needing collapse solutions or borrowers arranging short-term refinancing.

Red flags: insufficient exit options for development finance, no clear repayment strategy for bridging loans, or missing property documentation — these can slow or prevent offers.

How we match you with the best lenders & brokers

We match on the key variables lenders care about: product type, loan size, security type, location, planning status (for development) and borrower experience. Our introducer network includes specialist brokers and direct lenders who focus on property, development and bridging products — this helps route your enquiry to people who understand similar deals.

What to expect after you submit a form:

• Initial contact: usually an email or call within hours during business days.
• Preliminary check: a broker or lender will discuss the basic facts and advise likely routes.
• Formal quotation: if your deal appears suitable they’ll prepare indicative terms and next steps.

Start with a Free Eligibility Check — Get Quote Now

What information lenders will need & how to prepare

Preparing the right information speeds up responses. Typical checklist:

• Company name, registration number and years trading
• Loan amount required and purpose (purchase, refinance, build)
• Property address, tenure and current planning status
• Expected GDV (for development) or rental income (for investment)
• Latest company accounts, cashflow forecasts and business plan (if available)
• Identity documents for directors and proof of deposit/source of funds

Tip: have high-level budgets and a simple project timeline ready for development enquiries — brokers use these to obtain realistic pricing quickly.

Fees, costs and compliance

Costs vary by product and risk profile. As a guide:

• Commercial mortgages: rates depend on lender, security and business strength — lenders will quote annual interest rates and arrangement fees.
• Development finance: higher margins and arrangement fees are common; lenders price on GDV/LTC and developer experience.
• Bridging loans: typically more expensive than longer-term finance; expect higher interest and arrangement/legal fees for speed and short term.

Important: UK Business Loans does not charge you to submit an enquiry — our revenue comes from introducer fees paid by partners when an enquiry converts. The prices and fees shown by lenders/brokers will be provided directly by them; we only make introductions.

For your information about financial promotions and consumer protections, you may wish to visit the Financial Conduct Authority: www.fca.org.uk.

Real examples & success snapshots

1) Developer — staged development loan: An experienced developer seeking funding to convert a former office block into 12 flats was matched with a specialist development lender. Indicative terms were provided within 48 hours and a staged draw facility was agreed to start on site.

2) Retailer — short-term bridging: A retail chain required urgent funds to complete an acquisition before lease expiry. A bridging lender provided a short-term bridge enabling completion within two weeks while the retailer arranged longer-term refinance.

These anonymised snapshots show the value of fast, specialist matching — speed and the right partner matter.

Common questions (FAQs)

Will applying through UK Business Loans affect my credit score?

No. Submitting an enquiry via our form does not impact your credit file. Lenders or brokers may carry out credit checks only if you choose to proceed with a formal application.

How quickly will a lender or broker contact me?

Often within hours during business days; in many cases you’ll receive a call or email the same day. Complex development enquiries may take longer while partners review project details.

Can start-ups apply for development finance?

Development lenders typically prefer experienced teams or demonstrated capacity to deliver. Some brokers can arrange development funding where the project and exit are well-evidenced — provide as much detail as possible in the enquiry.

Do you charge me for making an enquiry?

No — the enquiry is free and carries no obligation. We are paid by introducer fees from partners when a lead converts.

What sizes of loan do you handle?

We typically organise loans from £10,000 upwards across commercial mortgages, development and bridging finance.

What happens after I submit the enquiry form?

We review your details, match to appropriate lenders/brokers and pass the information to selected partners. They will contact you to discuss terms and next steps; submitting the form does not commit you to accept any offer.

Ready to get bespoke options? Free Eligibility Check — Get Quote Now

Start your free eligibility check

Tell us a few details about your business and the finance you need — it takes under two minutes. We’ll match you to lenders and brokers who specialise in commercial mortgages, development finance and bridging finance and arrange a free, no‑obligation eligibility check. Get Quote Now — Free Eligibility Check

No obligation. No immediate credit check on enquiry. The enquiry form is for matching purposes only — it is not a loan application.

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Compliance & legal note: UK Business Loans is an introducer that connects businesses with lenders and brokers. We do not lend or provide regulated financial advice. Completing an enquiry does not affect your credit score. Lenders/brokers you are introduced to may perform checks if you proceed. Read our Privacy Policy and Terms for full details.

1. Can UK Business Loans help me get a commercial mortgage, development finance or bridging finance in the UK?
– Yes — UK Business Loans is an introducer that matches your enquiry to specialist lenders and brokers who arrange commercial mortgages, development finance and bridging loans across the UK.

2. Will submitting an enquiry affect my credit score?
– No — completing the short enquiry form is not an application and does not impact your credit file; lenders or brokers may only carry out checks if you proceed to a formal application.

3. How much can I borrow through the lenders you introduce?
– We typically handle deals from around £10,000 up to multi‑million pounds depending on the product — commercial mortgages often start from ~£50k, development finance from ~£100k, and bridging from £10k upwards.

4. How quickly will a lender or broker contact me after I submit the form?
– Most enquiries receive contact within hours on business days, with many getting same‑day responses, though complex development projects may take longer for review.

5. Do you charge me to use UK Business Loans or to submit an enquiry?
– No — the enquiry and eligibility check are free and no obligation; UK Business Loans is paid by introducer fees from partners only if a lead converts.

6. What information and documents should I prepare for commercial, development or bridging finance?
– Have basic company details, loan amount and purpose, property address and tenure, planning status or expected GDV (for development), recent accounts or forecasts, and ID/proof of deposit ready to speed up partner responses.

7. Can start‑ups or sole traders apply for development or commercial property finance?
– Some lenders and brokers work with start‑ups and sole traders, but development finance generally favours experienced developers while many commercial mortgage options suit limited companies and established SMEs.

8. How do you match my enquiry to the right lenders and brokers?
– We match on key lender criteria — product type, loan size, security, location, planning and borrower experience — then introduce your details to specialists in that sector for tailored quotes.

9. Are the brokers and lenders you work with FCA‑regulated?
– Yes — UK Business Loans partners with reputable, FCA‑regulated brokers and lenders who operate under relevant consumer protections and compliance standards.

10. What are the typical fees and costs for commercial, development and bridging finance?
– Costs vary by product and risk — commercial mortgages usually have lender rates and arrangement fees, development finance often carries higher margins and arrangement fees priced by GDV/LTC, and bridging loans typically incur higher interest and fees for short‑term speed.