Commercial property and development finance

When this is worth discussing

Commercial property, business-purpose funding and development raise different questions about structure, security, cashflow and stage. Explain the purpose first so the discussion focuses on information relevant to the transaction.

What lenders will want to see

Tell us about your business, funding purpose and any property offered as security. Typical information includes the entity structure, trading history and turnover, the security property and its location, and the expected timing. Availability and approval depend on the lender and your circumstances.

What to prepare

• Funding purpose: property purchase, refinance, working capital, or development
• Entity structure and how the business operates
• Security property details (type, location, approximate value)
• Whether multiple properties might be offered
• Average monthly turnover and time in business, to your best knowledge

How the discussion progresses

Start with the purpose, entity structure, trading position and proposed security. We can discuss relevant options, clarify lender information requirements and explain how the next stages would be coordinated.

Commercial purchase or refinance

Explain whether the property is occupied by your business, leased to another party or awaiting a tenant. Include location, type, ownership structure and any lease information available. An enquiry may involve business income, rent or both, so identify those sources separately. For a refinance, share the debt position, remaining term and reason for reviewing the arrangement. Cover the amount required for costs and any proposed additional funding. A valuation and lender review may raise further questions about the asset and its use. If several properties are proposed as security, identify them and any existing mortgages separately.

Construction and development

Describe project stage, land ownership, planning position and proposed works. Tell us whether budgets, professional reports, builder details or a programme are available, distinguishing estimates from confirmed figures. The discussion may need to cover how money is drawn, which milestones require verification and how the project is expected to repay the facility. Explain sale, lease or refinance assumptions and the effect of delays or cost increases. Early enquiries are useful, but they do not establish that approvals, construction arrangements or the budget satisfy a lender requirements. Update the team if the scope or expected costs change during the discussion.

Choose the relevant starting point

For business funding, share trading details, average monthly turnover, the amount needed and the state or region in which the business operates. If your question is about a self-employed property borrower, provide income circumstances and the property or properties proposed as security. These are different starting points even where one person is both a business owner and buyer. Choose the relevant enquiry below and mention any connected transaction. The team can clarify records and permissions before detailed financial information is supplied. Ask about fees, repayments, guarantees and security obligations so the arrangement can be reviewed as a complete commitment.

A useful first conversation

Begin with a short summary rather than sending detailed financial or identity documents in a first message. Tell us the best way to contact you and any dates that affect your plans. We can clarify the information needed and how it should be supplied securely. Ask what remains to be assessed, which parties are involved and what the next step means before making a commitment.

Conditions to keep in mind

An amount or settlement date requested in an enquiry describes your need. It is not an offered limit, a quote or a guaranteed funding timetable.