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Commercial Finance


Commercial Finance is a term that covers many different types of finance.  It is usually the banks and specialist lenders that provide it and to many it means borrowing against the rental income of the property rather than the bricks and mortar valuation.

It can also mean lending to a limited company and also covers lending to trading businesses or more complex lending.


  • Manual underwriting;
  • Experience essential to get better rates;
  • Process can be slower;
  • More detailed information required;
  • Rent to interest cover higher than traditional BTL;
  • All types of tenants considered;
  • Term of loan can be shorter;
  • Repayment mortgages are the most common.


  • Commercial  Finance available on an interest only, full repayment or part interest and part repayment basis;
  • Loan terms vary from 3-30 years;
  • Available to individuals, partnerships, LLPs, trusts and limited companies;
  • Minimum property valuation £100,000;
  • LTV up to 75%, but typically 70%.

Searchlight Finance Limited is registered in England and Wales No.07929050 Searchlight Finance Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register (http://www.fca.org.uk/register) under reference 743220. The FCA do not regulate Business Buy to Let Mortgages or most Commercial Mortgages and Bridging Finance. ICO Number Z3109319. Your property may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it.