Commercial Finance Broker UK
| TMD Specialist Finance
Whole-of-market commercial finance for businesses, investors and developers across the UK
Commercial Lending Made Simple.
WHAT IS COMMERCIAL FINANCE?
Whether you are buying commercial premises for your business, investing in commercial property, funding a development project, or raising business finance, TMD Specialist Finance has the lender relationships and the expertise to structure the right solution for your needs.
We are a whole-of-market specialist finance broker with access to over 200 lenders including high street banks, challenger lenders, specialist commercial finance providers, private lenders, and alternative finance platforms. We arrange commercial finance for businesses and investors of all sizes, from owner-occupiers buying their first commercial property through to experienced developers funding multi-million pound schemes.
Commercial finance is more complex than residential lending. Lenders assess deals differently, criteria vary significantly across the market, and the difference between a well-structured and a poorly-structured application can mean the difference between approval and decline.
Our advisers understand how commercial lenders think, and we use that knowledge to present your case in the strongest possible light.
OUR COMMERCIAL FINANCE PRODUCTS
Long-term finance for the purchase or refinance of commercial property including retail units, offices, industrial and warehouse premises, mixed-use buildings, and semi-commercial properties. We arrange commercial mortgages for owner-occupiers buying their business premises and investors purchasing commercial property as an investment. Loan terms of up to 25 years, competitive rates, and access to lenders who understand commercial property in all its forms.
Staged drawdown finance for ground-up development, conversion, and permitted development projects. We work with residential developers, commercial developers, and mixed-use schemes, arranging development finance based on gross development value rather than current site value alone. Whether you are an experienced developer with a track record or a first-time developer with a viable scheme, we can find the right funding structure for your project.
Short-term secured lending for commercial property acquisitions, auction purchases, refurbishments, and time-sensitive transactions. Commercial bridging is unregulated and typically offers more flexibility than residential bridging on loan size, LTV, property type, and borrower circumstances. Fast completions, interest rolled up or serviced, and exit onto a commercial mortgage or sale.
Unsecured and secured business lending for working capital, cashflow, stock purchase, equipment, refurbishment, and business growth. We work with lenders who assess applications on business performance and future cashflow rather than just personal credit history. From small unsecured loans to larger secured facilities, we will find the right structure for your business needs.
Business credit cards for limited companies, including those that have been recently incorporated or have limited trading history. Useful for managing business expenses, improving cashflow, and building a business credit profile. We work with providers who can accommodate new companies and directors with complex personal credit histories.
WHO WE WORK WITH
Our commercial finance clients include business owners buying or refinancing their trading premises, property investors building commercial portfolios, developers funding residential, commercial, and mixed-use projects, landlords looking to add commercial or semi-commercial property to their portfolio, and businesses looking for working capital or growth finance.
Whatever your commercial finance requirement, if it is more complex than a standard business bank loan, we should be talking.
WHY USE TMD SPECIALIST FINANCE FOR COMMERCIAL FINANCE?
Commercial finance decisions are rarely straightforward. Lenders assess commercial deals differently to residential transactions, criteria can be opaque, and rates vary enormously across the market. Going direct to your bank means you are only seeing one lender's appetite and one set of terms.
We give you access to the whole market. Over 200 lenders, including specialist commercial lenders that most brokers do not have relationships with. We know which lenders are actively writing new commercial business, which have the most competitive rates for your property type, and which are most likely to say yes to your specific circumstances.
We also understand the importance of deal structure in commercial finance. How a loan is presented, how the security is described, and how the business case is articulated can significantly affect both the outcome and the terms. We take the time to understand your deal properly and present it in a way that gives it the best possible chance of success.
We are FCA regulated, whole-of-market, and have been arranging specialist finance since 2017 as part of The Mortgage Dog group, with over £207 million in lending arranged for clients across the UK.
For property finance including HMO mortgages, specialist buy to let, expat mortgages and more, visit our Property Finance page.
For residential mortgages visit our sister site The Mortgage Dog.
How Our Commercial Finance Process Works
We’ve made commercial finance simple, transparent and stress-free
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Step 1. Tell Us About Your Case
Call us, email us, or complete our online enquiry form. Tell us about the property or business finance requirement, the loan amount, your timescale, and as much detail as you can about your business or investment. The more we know upfront, the faster we can move.
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Step 2. We Search the Market
We assess your case against our full panel of commercial lenders and identify the best fit based on your security, your business profile, your timescale, and your objectives. We present you with clear options and a recommendation.
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Step 3. We Package and Submit
We prepare and submit your application in a format that gives it the strongest possible chance of a fast, positive decision. We manage the process with the lender, valuer, and solicitors throughout.
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Step 4. Funds Released
Once all conditions are satisfied and legal work is complete, funds are released and your transaction completes.
Frequently Asked Questions
What types of commercial property can you arrange finance for?
We cover the full range of commercial and semi-commercial property including retail units, offices, industrial premises, warehouses, pubs and licensed premises, hotels and guest houses, care homes, mixed-use buildings with residential above commercial, and development sites. If you are unsure whether your property type is covered, just call us and we will let you know quickly.
How much can I borrow on a commercial mortgage?
Most commercial lenders will advance up to 70 to 75 percent of the commercial property value for investment purchases and up to 70 percent for owner-occupied premises. For development finance, lending is typically assessed against gross development value with up to 65 to 70 percent of costs covered. Loan amounts start from £100,000 with no upper limit for the right deal.
Can I get a commercial mortgage through a limited company?
Yes, and for investment commercial property it is often the preferred structure. Limited company commercial mortgages are unregulated which gives more flexibility on criteria and terms. We regularly arrange commercial finance for trading companies, SPVs, and holding companies.
Can I get commercial finance with adverse credit?
Yes in many cases. Commercial lenders are generally more focused on the quality of the security, the viability of the business case, and the exit or repayment strategy than on personal credit history alone. We work with specialist commercial lenders who take a more flexible view on adverse credit where the deal fundamentals are strong.
How long does it take to arrange a commercial mortgage?
Standard commercial mortgages typically take four to eight weeks from application to completion, depending on the lender, the complexity of the transaction, and how quickly legal work can be completed. Commercial bridging can complete in as little as seven to fourteen working days where speed is essential.
Do you arrange commercial finance outside the North East?
Yes. We work with clients and arrange commercial finance across the whole of the UK. Our base is in Washington, Tyne and Wear, but distance is never an issue. Most commercial finance transactions are handled by phone, video call, and email, and we have arranged deals from Scotland to the South West.
Speak to a Specialist Today
Ready to Discuss Your Commercial Finance Requirement?
Get in touch today for a free, no-obligation conversation. We will tell you quickly and honestly what is possible, what it will cost, and how we can structure the right solution for your deal.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances.
TMD Specialist Finance is a trading name of The Mortgage Dog Commercial Ltd. The Mortgage Dog Commercial Ltd (FCA Number 1047575) is an Appointed Representative of Connect Mortgages, which is authorised and regulated by the Financial Conduct Authority. The Mortgage Dog Commercial Ltd. is registered in England and Wales under company number 16845257 at the registered address 41a Spout Lane, Washington, NE38 7HP. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority
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