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.
Commercial Finance UK provides structured lending for commercial, mixed-use, and business-purpose property. Whether you’re acquiring a commercial unit, converting a building, refinancing a portfolio, or funding a business-led purchase, Auction360 delivers commercial finance aligned with your strategy.
We support:
- Commercial property acquisitions
- Mixed-use buildings
- Commercial-to-residential conversions
- Auction purchases
- Business-purpose bridging
- Owner-occupier commercial mortgages
- SPV-structured commercial portfolios
Commercial finance requires specialist lenders, detailed underwriting, and clear exit strategies — and Auction360 provides all three.
Why Auction360
- Commercial-specific lenders
- Fast decisions (24–72 hours)
- Auction-aligned speed
- SPV-friendly underwriting
- Conversion-friendly terms
- Business-purpose lending
- Exit strategy planning
- Risk Score™ for commercial deals
Who This Is For
- Commercial investors
- Developers
- SPVs
- Business owners
- Portfolio landlords
- Auction buyers
- International investors
Eligibility & Criteria
- Commercial, mixed-use, semi-commercial
- Light & heavy refurb accepted
- Business-purpose lending available
- SPV or trading business
- Clear exit strategy
How It Works
- Commercial appraisal
- Lender alignment
- Valuation
- Underwriting
- Completion
- Exit (refinance, sale, or business use)
Case Studies
Case Study — Investor Acquires Mixed-Use Building at Auction
- Location: Manchester
- Purchase Price: £420,000
- Loan: £315,000
- Works: £65,000
- Exit: Commercial refinance
- Outcome: £2,100 monthly rent + uplift
Auction360 delivered fast underwriting and conversion-friendly terms.
Case Study — Business Owner Purchases Commercial Unit for Expansion
- Location: Birmingham
- Purchase Price: £310,000
- Loan: £232,500
- Outcome: Business expanded into new premises with lower monthly costs than leasing
Auction360 structured owner-occupier commercial finance aligned with business growth.
Frequently Asked Questions
What types of commercial property can be funded?
Shops, offices, warehouses, industrial units, mixed-use buildings, and semi-commercial property.
Can I buy commercial property at auction?
Yes — commercial bridging and commercial mortgages support auction purchases.
Do lenders accept refurb works?
Yes — both light and heavy refurb are accepted.
Can I use an SPV?
Yes — SPVs are preferred for commercial acquisitions.
Can business owners use commercial finance?
Yes — owner-occupier commercial mortgages support business expansion.
Do you support commercial-to-residential conversions?
Yes — conversion finance is available for structural and planning-led projects.
What is commercial finance used for?
Acquisitions, conversions, refurb projects, business expansion, and auction purchases.
Is commercial finance different from residential finance?
Yes — commercial lending uses business-aligned underwriting and different valuation methods.
How do investors fund commercial conversions?
Through commercial bridging or conversion finance with staged drawdowns.
Is commercial finance suitable for mixed-use buildings?
Yes — lenders support mixed-use and semi-commercial property.
How do business owners fund commercial premises?
Through owner-occupier commercial mortgages or business-purpose bridging.
Useful Links
Ready to move forward?
Speak to an Auction360 specialist and get indicative terms.
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