Commercial Finance
Commercial Finance is a funding solution designed for commercial property investors, landlords, and SPVs. Unlike residential mortgages, commercial finance is built for:
Commercial Finance Services
Commercial Finance UK
Commercial Finance UK — Specialist Funding for Commercial, Mixed-Use & Business-Purpose Property Fast, flexible, lender-aligned finance for investors, developers, and business owners across the UK.
Read more ›Commercial Bridging Finance
Short-term finance for commercial assets requiring fast completion, refurbishment, or conversion.
Read more ›Commercial Mortgages
Medium-term finance for commercial assets including shops, offices, warehouses, and mixed-use buildings.
Read more ›Semi-Commercial Finance
Semi-Commercial Finance — Funding for Mixed-Use Property Flexible finance for properties combining residential and commercial elements.
Read more ›Business-Purpose Bridging
Business-Purpose Bridging — Fast Funding for Business-Led Property Purchases Short-term finance for business owners acquiring commercial premises or raising capital.
Read more ›Owner-Occupier Commercial Finance
Owner-Occupier Commercial Finance — Funding for Business Premises Long-term commercial finance for businesses purchasing or refinancing their own premises.
Read more ›Commercial Finance London
Commercial Finance London — Specialist Funding for London Commercial, Mixed-Use & Business-Purpose Property Fast, flexible, lender-aligned finance for investors, developers, and business owners operating in London’s high-value, fast-moving market.
Read more ›Commercial Finance is a funding solution designed for commercial property investors, landlords, and SPVs. Unlike residential mortgages, commercial finance is built for:
- Commercial property purchases
- Semi-commercial acquisitions
- Commercial-to-residential conversions
- Mixed-use buildings
- Business buy-to-let
- Commercial investment portfolios
Auction360 supports commercial-specialist underwriting, SPV-ready structures, and fast completions for commercial investors.
Why Auction360
Commercial finance requires specialist knowledge - Auction360 delivers.
Why commercial investors choose Auction360:
- Commercial-specialist underwriting
- Fast completions (10–21 days)
- SPV-ready commercial structures
- Commercial-to-residential expertise
- Auction commercial finance
- Risk analysis included
- Dedicated commercial case manager
- Full lender packaging
Auction360 is not a general broker - we are a commercial finance platform.
How Commercial Finance Works
Commercial Finance provides medium-term or short-term funding for commercial property investment.
How it works:
- You apply for commercial finance
- Valuation + commercial appraisal
- Underwriting + income analysis
- Offer issued
- Completion within 10–21 days
- You convert, refurbish, or refinance
- Loan repaid through exit strategy
Why commercial finance is ideal:
- Works for complex commercial assets
- Supports conversions
- SPV-friendly
- Flexible terms (1–25 years)
- Allows portfolio scaling
Fast Completion
Commercial investors need certainty - Auction360 delivers.
Typical timeline:
- Day 1: Pre-approval
- Day 2–7: Valuation + appraisal
- Day 7–14: Underwriting
- Day 14–21: Completion
Commercial bridging available in 7–10 days.
Eligibility & Criteria
Commercial finance is flexible, but lenders require:
You are eligible if:
- You have a viable commercial investment plan
- You have deposit/equity
- You are an investor or SPV
- The commercial asset has viable rental or resale value
We support:
- First-time commercial investors
- Experienced landlords
- SPVs and limited companies
- Conversion specialists
- Portfolio developers
Process
Auction360’s commercial finance process is engineered for clarity and speed.
Step-by-step:
- Commercial Strategy Session
- Pre-Approval
- Valuation + Commercial Appraisal
- Underwriting
- Offer Issued
- Completion
- Conversion / Scaling
- Exit Strategy (Refinance or Sale)
Case Studies
Case Study 1 — Semi-Commercial Mortgage
- Purchase: £420,000
- Asset: Shop + 2 flats
- Completion: 18 days
- Outcome: £65,000 uplift after refinance
Case Study 2 — Commercial-to-Residential Conversion
- Purchase: £310,000
- Works: £160,000
- GDV: £620,000
- Outcome: £150,000 uplift
Case Study 3 — Commercial Bridging Loan
- Purchase: £380,000
- Completion: 20 days
- Exit: Commercial mortgage
- Outcome: £110,000 equity release
Semi-Commercial Mortgages
Finance for mixed-use properties such as shops with flats above, ideal for investors scaling portfolios.
Commercial-to-Residential Finance
Funding for converting commercial buildings into residential units, ideal for PD (Permitted Development) schemes.
Business Buy-to-Let Finance
Finance for commercial landlords renting to businesses, including offices, shops, and industrial units.
Commercial Investment Finance
Funding for investors acquiring commercial portfolios or multi-unit commercial assets.
Frequently Asked Questions
What is commercial finance?
Commercial finance is funding designed for commercial property purchases, conversions, and investment.
How fast can commercial finance complete?
Most commercial finance completes within 10–21 days.
What is a semi-commercial mortgage?
A semi-commercial mortgage funds mixed-use properties such as shops with flats above.
Can SPVs get commercial finance?
Yes - SPVs are the standard structure for commercial property investment.
What is commercial bridging?
Commercial bridging is short-term finance for commercial assets requiring fast completion or refurbishment.
Does commercial finance support conversions?
Yes - commercial-to-residential finance is a core product.
Do I need commercial experience?
Not always - first-time investors can qualify with a strong plan.
Do lenders fund commercial conversions?
Yes - conversion finance is one of the most common commercial products.
Do lenders require monthly payments?
Commercial mortgages require monthly payments; commercial bridging typically uses rolled-up interest.
Can SPVs get commercial finance?
Yes - SPVs are the preferred structure for commercial projects.
What fees are involved?
Lender fees, valuation fees, legal fees, and interest.
Can I finance multiple commercial properties at once?
Yes - commercial investment finance supports portfolio acquisitions.
Ready to move forward?
Speak to an Auction360 specialist about commercial finance and get indicative terms.
Speak to a Specialist Book a Discovery Call