Commercial Finance Support
NexGen Finance helps UK businesses, property investors and landlords explore commercial finance options through trusted finance partners. From commercial mortgages and asset finance to working capital and invoice funding, we help review the enquiry and explore suitable routes.
Commercial Finance Areas We Can Help With
NexGen Finance supports enquiries across a broad range of commercial finance products. Suitable cases are referred to trusted commercial finance broker partners for further review.
Commercial Mortgages
Long-term commercial property finance for businesses purchasing or refinancing commercial premises, including owner-occupied and investment properties.
Who it may suit: Business owners, commercial landlords, property investors
Learn MoreOwner-Occupied Commercial Mortgages
Finance for businesses purchasing premises from which they operate their trading business — offices, warehouses, retail units and more.
Who it may suit: Business owners buying their trading premises
Learn MoreCommercial Investment Mortgages
Finance for investors purchasing commercial property to let to business tenants, assessed on rental income and tenant covenant strength.
Who it may suit: Commercial property investors and landlords
Learn MoreSemi-Commercial Mortgages
Finance for mixed-use properties with both commercial and residential elements, such as shops with residential flats above.
Who it may suit: Investors in above-shop flats and mixed-use properties
Learn MoreAsset Finance
Finance for business equipment, commercial vehicles, plant and machinery through hire purchase, finance lease or operating lease arrangements.
Who it may suit: Businesses needing equipment or vehicles without large upfront costs
Learn MoreInvoice Finance
Release cash tied up in unpaid invoices through invoice discounting or factoring to improve working capital and support growth.
Who it may suit: B2B businesses with 30-90 day payment terms
Learn MoreWorking Capital Finance
Short-term funding to support day-to-day business operations, manage cashflow gaps and bridge seasonal funding needs.
Who it may suit: Trading businesses with cashflow timing challenges
Learn MoreVAT & Tax Funding
Spread the cost of HMRC VAT or tax bills to protect business cashflow and avoid penalties from late payment.
Who it may suit: Businesses facing large VAT or tax demands
Learn MoreRefurbishment Finance
Short to medium-term finance for light or heavy commercial property refurbishment and conversion projects.
Who it may suit: Commercial property investors refurbishing assets
Learn MoreCommercial Mortgage Support
Commercial mortgages are one of our core finance areas. Whether you are purchasing trading premises, refinancing a commercial property, buying a commercial investment or funding a semi-commercial asset, NexGen Finance can help review enquiries and connect suitable cases with commercial finance broker partners.
- Owner-occupied commercial mortgages for trading businesses
- Commercial investment mortgages for landlords and investors
- Semi-commercial and mixed-use property finance
- Shops, offices, industrial units and warehouses
- Limited company commercial mortgage enquiries
- Commercial remortgages and capital raising
What Lenders Typically Consider
Commercial mortgage lenders assess applications based on multiple factors. Understanding these criteria in advance can help you explore suitable routes more effectively.
- ✓ Business trading history and profitability
- ✓ Deposit level — typically 25% to 40%
- ✓ Property type, condition and location
- ✓ Rental income or projected rent (investment)
- ✓ Borrower experience and credit profile
- ✓ Exit strategy and proposed loan term
Commercial Mortgage Funding Options
Explore the specific type of commercial mortgage most relevant to your enquiry.
Owner-Occupied
For businesses buying their own trading premises
Commercial Investment
For investors buying commercial property to let
Semi-Commercial
Mixed-use properties with commercial and residential elements
Commercial Remortgages
Refinancing and capital raising on commercial property
Limited Companies
Commercial mortgages through limited company structures
Shops & Retail
Finance for retail units, shops and high street premises
Offices
Commercial mortgage support for office premises
Industrial Units
Finance for warehouses, industrial units and storage facilities
Commercial Landlords
For landlords with commercial property portfolios
Important information: NexGen Finance is not a lender and does not provide regulated financial advice. Suitable enquiries may be referred to commercial finance broker partners. Funding is subject to status, affordability, lender criteria and approval.
A Practical, Compliance-Led Approach
NexGen Finance keeps commercial and property finance enquiries straightforward. We focus on clear communication, practical funding routes and transparent wording, without overpromising outcomes.
Review Finance Options
Call or email NexGen Finance to discuss your commercial finance enquiry. We will review your requirements and help explore suitable funding routes.