Manufacturing Business Loans — Commercial Property Finance for Factories & Warehouses

Summary / Quick answer: Yes — UK Business Loans introduces manufacturers to partners who commonly provide commercial property finance for factories, light‑industrial units and warehouses. Through our network you can be matched with brokers and lenders that arrange commercial mortgages, development finance, bridging and refinance for industrial properties (we organise facilities from around £10,000 upwards). We are an introducer and do not lend directly; complete a Free Eligibility Check to get matched and receive no‑obligation quotes from lenders or brokers best suited to your project. Get Quote Now

Quick answer

Yes. UK Business Loans connects UK manufacturers with partner brokers and lenders who routinely provide commercial property finance for factories, warehouses and light‑industrial units. Typical options include commercial mortgages for purchase, development and refurbishment loans, short‑term bridging to secure sites quickly, refinance to release capital, and combined asset & property packages for machinery and buildings. We introduce you — our partners handle eligibility, pricing and the formal application. Free Eligibility Check

Why manufacturers need specialist commercial property finance

Manufacturing property requirements differ from retail or office sectors. Lenders and brokers experienced in industrial property understand factors that affect valuation and lending decisions:

• Building specification: high eaves, reinforced floors, three‑phase power, loading doors and yard space.
• Use and planning: manufacturing uses, H&S or environmental permits, storage of hazardous materials and planning constraints.
• Operational assets: combined value of property and heavy plant/fixtures influences loan structure.
• Location and logistics: proximity to transport links and access for HGVs can change marketability and security value.

Because of these specifics, matching to a lender or broker with proven industrial experience often improves the speed and chance of a suitable facility being arranged.

What types of commercial property finance our partners can help with

Commercial mortgages — purchase of freehold or long leasehold industrial units

Use cases: buying a factory, warehouse or light‑industrial unit.

• Typical terms: lenders commonly offer longer terms (e.g. 10–25 years) tailored to the business cashflow.
• Deposit/LTV: depending on credit, covenant and property, deposits commonly range from c.20%–40% of value.
• Requirements: lender will review business trading history, accounts, lease terms (if leasehold), and the property valuation.

Development & refurbishment finance

Use cases: building an extension, converting a warehouse for production or undertaking a full refurbishment.

• Structure: staged drawdowns based on costs and inspections.
• Considerations: professional cost appraisals, planning permissions and contractor appointments are key.
• Risk: lenders price for planning or build risk; experienced brokers can source specialist development funds.

Bridging loans

Use cases: quick site purchases (auctions), short‑term bridging while longer finance is arranged.

• Timescale: arranged rapidly — often days to a few weeks — but typically at higher cost than longer‑term finance.
• Exit strategy: lenders require a clear route to repay (e.g. refinance, sale or long‑term mortgage).

Refinance & equity release

Use cases: refinance existing commercial debt to reduce monthly costs or release equity to fund machinery, expansion or working capital.

Specialist industrial finance

Use cases: combined property and asset packages that secure both the building and plant/equipment in one facility.

• Benefits: one facility can simplify security arrangements and allow better overall gearing.
• Who this suits: manufacturers with significant plant fixed to the premises or high‑value bespoke equipment.

Turnkey & conversion finance

Use cases: converting warehouses for food production, cold storage, or other specialised manufacturing uses. These facilities often need additional compliance checks and specialist lenders.

Eligibility: who can access industrial property finance?

Our partners typically work with limited companies, LLPs and owner‑managed SMEs operating in manufacturing and distribution. Typical lender considerations include:

• Business performance: turnover, profit, cashflow and management accounts.
• Security: freehold or long leasehold, lease length (minimum unexpired term may be required), and asset quality.
• Debt service ability: DSCR (Debt Service Coverage Ratio) or similar affordability tests.
• Credit history & director profiles: historic credit and existing secured debt.
• Environmental & planning: contamination, change‑of‑use and permitted processes can be flagged by surveyors.

Quick checklist of documents lenders ask for:

• Most recent 2–3 years’ accounts (or management accounts if more recent)
• Business plan or cashflow projection for development projects
• Property details: title, lease (if leasehold), deeds, and any tenancy agreements
• Estimated project costs and contractor quotes for developments

Typical commercial property finance process & timeline

Below is a practical, step‑by‑step overview. Timings vary by product and complexity.

1. Enquiry: complete a short form so we can match your requirement. (Get Quote Now)
2. Match: we introduce you to 1–3 lenders or brokers appropriate to your sector and loan purpose.
3. Initial appraisal: partner carries out a soft eligibility check and requests documents.
4. Formal application: lender arranges valuation/survey and underwriting.
5. Offer & legal work: lender issues offer subject to legal and title checks.
6. Completion: funds released on agreed completion date.

Typical timelines (guidance): bridging — days to weeks; commercial mortgages & development finance — typically 6–12+ weeks depending on surveys, legal work and planning. We do not guarantee timescales — partners will provide estimates once they review your case.

Practical costs & what to expect

Costs vary by lender and product. Common charges include:

• Lender arrangement or underwriting fees
• Broker fees (where applicable) — these will be disclosed by the broker
• Valuation and survey fees
• Legal fees and search costs
• Stamp Duty Land Tax, where relevant

UK Business Loans will introduce you to partners who provide full cost disclosures. For a no‑obligation quote, start a Free Eligibility Check.

Real‑life examples (anonymised)

Case study 1 — Factory purchase for food‑processing start‑up

Problem: a growing food manufacturer needed to buy a 12,000 sq ft factory to increase production and meet hygiene standards. Solution: our partners arranged a commercial mortgage with an industrial specialist after assessing projected cashflow and capital refurb costs. Result: purchase completed and staged refurbishment financed through a short development drawdown.

Case study 2 — Warehouse refinance to free working capital

Problem: a distributor had equity tied up in a 30,000 sq ft warehouse and needed liquidity for stock build. Solution: introduced to a broker who negotiated a refinance and released equity while consolidating existing facilities. Result: business gained flexibility to secure larger supplier discounts.

These are anonymised outcomes to illustrate typical solutions — actual results vary and are not guaranteed.

How UK Business Loans matches you with the right lender/broker

We match using practical criteria: loan purpose, loan size, location, industry sector and your financial profile. Our panel includes brokers and lenders with industrial property experience. The match aims to reduce wasted time and introduce you only to partners likely to help.

To get started, complete our short enquiry — it takes under two minutes. Get Quote Now

Get a free eligibility check now

Ready to explore finance for a factory, warehouse or light industrial site? Complete a short enquiry and we’ll match your business to the most appropriate brokers and lenders for a no‑obligation quote. Typical facilities we help arrange start from around £10,000 and upwards. Free Eligibility Check

Frequently asked questions

Do your partners lend to businesses with limited trading history?

Some specialist lenders and development funds will consider newer businesses where the project cashflow and collateral provide adequate security. Broker partners can identify suitable options — complete a Free Eligibility Check to find matching partners.

Can I get finance on leasehold industrial property?

Yes, many lenders will lend on long leaseholds, but the unexpired lease term, covenants and rent review provisions are important. Brokers will advise if leasehold terms are likely to be acceptable.

Will applying through UK Business Loans affect our credit score?

No — completing our enquiry form does not affect your credit score. Lenders may perform credit checks later in the application process if you proceed with them directly.

Do I have to pay UK Business Loans for the introduction?

No. It is free for business owners to be introduced. Any broker or lender fees will be disclosed by the partner when they provide a quote.

Are the brokers and lenders you introduce regulated?

We work with a range of partners. Where regulation applies, partners will provide the required disclosures. UK Business Loans acts as an introducer and does not provide regulated financial advice.

Closing reassurance & compliance

UK Business Loans is an introducer that helps connect businesses with lenders and brokers. We do not lend directly and we do not provide regulated financial advice. Completing an enquiry simply allows us to match you to partners who can provide tailored quotes and full cost disclosure. For regulated products, our partners will give all required information and disclosures before you proceed.

Author: UK Business Loans Editorial Team — commercial finance content specialists

Published: 2025‑10‑31 | Reviewed: 2025‑10‑31

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Related pages: Commercial property loans • Development finance • Asset finance • manufacturing business loans

1) Can I get a commercial mortgage to buy a factory or warehouse?
Yes — our partners arrange commercial mortgages for freehold or long leasehold industrial units used as factories, warehouses and light‑industrial sites.

2) What types of commercial property finance are available for manufacturers?
Manufacturers can access commercial mortgages, development/refurbishment finance, short‑term bridging, refinance/equity release and combined property+asset packages through our lender and broker network.

3) How much deposit or LTV will lenders typically require on industrial property?
Typical deposits range from around 20%–40% of value depending on covenant strength, sector risk and property specification, with exact LTV set by the lender after appraisal.

4) Can start‑ups or businesses with limited trading history get industrial property finance?
Some specialist lenders and development funds will consider newer businesses if the project cashflow and security are robust, and our brokers can identify suitable options for such cases.

5) Will submitting a Free Eligibility Check or enquiry affect our business credit score?
No — completing UK Business Loans’ enquiry or Free Eligibility Check does not affect your credit score; lenders may carry out checks later if you apply to them directly.

6) How long does it typically take to arrange commercial property finance for a factory or warehouse?
Timescales vary by product and complexity, with bridging possible in days to weeks and commercial mortgages or development finance commonly taking 6–12+ weeks including surveys and legal work.

7) What costs and fees should I expect when arranging industrial property finance?
Expect lender arrangement/underwriting fees, possible broker fees, valuation and survey costs, legal fees and Stamp Duty Land Tax where applicable — partners will disclose full costs in quotes.

8) Can I include plant and machinery in the same facility as the property?
Yes — specialist industrial finance packages can combine property and fixed plant/equipment into a single secured facility to simplify security and improve overall gearing.

9) Do UK Business Loans charge for introductions and are your partners regulated?
No — introductions are free for business owners and we work with trusted brokers and lenders who provide required regulatory disclosures where applicable.

10) What documents will lenders typically request for an industrial property finance application?
Lenders commonly ask for the most recent 2–3 years’ accounts or management accounts, property title/lease details, project costings and contractor quotes (for developments), and cashflow projections or business plans.