Talk To An Advisor
Talk To An Advisor
  • We Do Finance. U Do YOU.

Commercial Finance

Unlock the capital and resources your business needs to grow, manage cash flow, and secure essential assets, without draining your working capital.

Trustpilot

Grow Your Business with Commercial Finance

Accessing the right funding is crucial for any business looking to grow, stabilise, or scale. Commercial finance offers flexible solutions designed to meet a huge variety of corporate goals. These tools provide the necessary funding to purchase commercial property, develop property from the ground up, hire or purchase equipment and vehicles, release capital from unpaid invoices, and much more. Whatever your strategic objective, flexible commercial finance could be the catalyst for your next stage of growth.

Talk To An Advisor
  • Start with the right finance.

Our Commercial Finance Brokers

Our specialist commercial finance brokers provide an impartial service and access to a comprehensive range of deals from across the market, including exclusive options unavailable directly.

Backed by 30+ years of experience and multiple ‘Best Advisor Firm’ awards, we offer trusted, 5-star rated expertise.

Crucially, we protect your business by avoiding unnecessary credit checks and only applying for deals you are highly likely to secure.

We handle the entire process, making the application quick and easy so you can secure the ideal finance solution to support stability, expansion, and growth.  

Talk To An Advisor

Case Studies

Commercial Mortgage - £450k
A successful café, which had traded profitably for four years, sought to purchase its existing freehold to secure its long-term future. The clients required £450,000 total: £420,000 for the freehold and £30,000 for refurbishment. With a 30% deposit, a 70% Commercial Mortgage was arranged by leveraging the business's strong profits. A key underwriting strategy involved adding the existing rent expenditure back into P&L calculations to significantly boost affordability metrics. The clients immediately used the £30,000 to expand the kitchen and increase covers, producing a sustainable 16% rise in annual turnover.
Commercial Mortgage - £660k
An investor sought to restructure their property portfolio, requiring a £660,000 Commercial Mortgage to pay off outstanding interest-only loans. Although the existing rates were competitive, the client's priority was transitioning to a repayment structure while raising additional capital. The full facility was secured through a specialist lender selected for three reasons: maximum term for affordability, simplified loan management via a single repayment, and a commitment to personal, consistent service. This refinancing provided the client with simplicity, enhanced control, and a clear path to debt extinction.
Development Mortgage - £650k
A developer successfully purchased a vacant pub for £500,000 with planning permission to convert it into a three-bedroom residential cottage. An initial £300,000 was secured for the acquisition and conversion capital. Recognising the plot's potential, a subsequent £350,000 Development Mortgage was secured to fund the construction of a second, new three-bedroom detached home on the site. This efficient, staged funding approach maximised the plot's potential. The projected Gross Development Value (GDV) for both properties exceeds £1,200,000, delivering a substantial net profit margin of over £500,000.
Development Mortgage - £605k
A pair of experienced developers identified an opportunity to purchase a run-down, three-bedroom detached property and convert it into two luxury semi-detached houses. The total funding covered the £325,000 purchase price and the £280,000 build costs. The finance package was a 12-month agreement with rolled-up interest, providing immediate financial leverage. Crucially, 70% of the initial purchase cost was released on day one, alongside 100% of the build costs. With a projected Gross Development Value (GDV) of £780,000, this comprehensive financing enabled efficient execution and a significant return on investment.
Unregulated Bridging Loan - £480k
A property investor needed £480k quickly to buy a run-down 3-bed house at auction. Completion was required in 28 days, and the property was unmortgageable due to not having a working kitchen or bathroom. A 12-month unregulated bridging loan with rolled-up interest was arranged, with no early repayment charges and only a light refurb schedule. Funds were released quickly (14- 21 working days). The client refurbished the property within 8 weeks, refinanced onto a standard Buy to Let mortgage, repaid the bridging loan early, and pulled out £62k profit after costs.
Unregulated Bridging Loan - £4.5M
A client needed £4.5 million to purchase a mixed-use portfolio of nine residential flats above two commercial units for £3.8 million. Despite legal complexities involving a challenging probate sale, a bridging loan of £4.5 million was secured to fully cover the purchase price and the extra costs involved. The client leveraged the property's £5.8 million plot value and their existing assets to satisfy the lender’s borrowing criteria. The financing was secured through a specialist lender, allowing the investor to execute a title split on completion and immediately create £2 million in equity.
Asset Finance - £250k
An engineering firm secured a new contract and needed £250k quickly to purchase additional machinery. They wanted to protect cash flow and avoid debenture requirements. A 5-year Hire Purchase agreement was secured for the equipment, plus an unsecured loan for software and tooling. Seasonal payments can be tailored to busier months. As a result of this loan, the machinery was installed within a month and production grew by 38%. The new contract adds profit margin to the business whilst preserving over £250k in cash reserves.
Asset Finance - £62k
A growing dental practice needed to invest in essential new equipment to maintain their high standard of patient care. Their primary focus was achieving a competitive finance rate and guaranteeing a rapid drawdown of funds. A £62,877 Hire Purchase agreement of was swiftly arranged that met the client’s needs perfectly. The deal enabled the client to immediately upgrade their critical clinical assets, instantly boosting patient capacity and operational efficiency, while preserving the practice’s working capital reserves.
Business Loan - £20k
A limited company needed to ensure robust working capital reserves to mobilise a significant new contract opportunity. Despite them being a newly established business, we were able to arrange a flexible £20k Business Loan within a short timeframe. Whilst the facility required a Director’s Guarantee due to the business’s infancy, the key benefit was the ability to make over-payments or settle the debt early without incurring any penalties. This timely injection of funds stabilised cashflow, allowing the client to commence the new contract immediately, securing future revenue while maintaining maximum financial agility.
Business Loan - £51k
A dynamic import/export company, specialising in diverse products from packaging to soft drinks, required immediate capital to optimise inventory procurement. The goal was to secure a £51,597 Business Loan to purchase stock upfront and leverage significant supplier discounts. We secured the facility with a lender that offered an attractive interest rate. Crucially, the chosen lender allowed the client the flexibility of early, penalty-free settlement. This financing decision not only boosted the company's profit margins by reducing purchasing costs but also provided a clear exit strategy for the debt once the stock was sold.
Invoice Finance - Factoring
A facilities management company turning over £1.1m struggled with 60 to 90 day payment terms from large corporate clients, causing cash-flow pressure and delays in paying staff and subcontractors. A factoring facility released up to 90% of their invoice values within 24 hours, with full credit control and collections handled by the funder (taking this out of the company’s hands). The client paid a small service fee and discount charge, but the agreement removed the need for an in-house credit controller. As a result, cash flow stabilised immediately, payroll was met without borrowing, and the business took on new contracts with the earlier capital injection.
Invoice Finance - Discounting
A wholesale distributor with £2 million turnover needed extra working capital to secure bulk stock at discounted rates but wanted to keep funding arrangements private from customers. A confidential invoice discounting facility provided a £100k funding line, advancing 90% of eligible invoices (but only paying interest on funds drawn). The business kept full control of invoicing, collection, and credit management, whilst maintaining complete confidentiality with their client base. The additional capital allowed them to secured stock at lower prices, which increased their margins and turnover.

Types of Commercial Finance

Commercial Mortgages

Commercial mortgages allow business owners and investors to purchase or refinance business premises. These loans allow you to invest in commercial property such as offices, shops, hotels, care homes, or blocks of flats. They can also be used to raise finance for your business at typically lower rates than business loans.

Find Out More

Development Mortgages

Development mortgages, also called property development finance, are used by individuals or companies to purchase land, renovate existing properties, or build new developments from the ground up. They can be used for residential or commercial properties.

Find Out More

Bridging Loans

A bridging loan is a short-term, secured loan that “bridges the gap” between a current financial need and a future source of funds. They are used to purchase property quickly (necessary for property auctions) or to buy unmortgageable property (such as ‘fixer-uppers’).

Find Out More

Business Loans

Business loans are designed to help companies raise capital to fund a wide range of needs. These can include supporting day-to-day running costs, financing major investments, or purchasing essential assets and equipment. They can be structured for the short, medium, or long term and can help support stability and growth.

Find Out More

Asset Finance

Asset finance is a way for businesses to hire or lease physical assets like vehicles, equipment, and machinery, instead of purchasing them outright. This type of funding allows you to make regular monthly payments, often towards full ownership, whilst helping to preserve working capital and improve cash flow.

Find Out More

Invoice Finance

Invoice finance is a powerful tool that transforms unpaid customer invoices into immediate working capital. Instead of waiting weeks or months for clients to pay, you receive an instant cash injection based on the invoice value, allowing you to fund daily operations, manage costs, and seize new growth opportunities.

Find Out More

Why Get Commercial Finance Through Us?

Access a Range of Deals

We’re not affiliated with any particular lender, so we’ll find a deal that’s right for you. 

Only approaching a few lenders can limit your options. We search a wide range of deals from across the market, including specialist lenders and exclusive deals that are only available through commercial finance brokers like us.

Protect Your Credit Score

We don’t run a credit check on you, so your business’s credit score is not at risk.

We don’t need to run a credit check when searching available commercial finance for you. We also only apply for deals you’re likely to be accepted for – this is important, because being rejected by a lender can damage your credit score.

Get The Right Advice

Before you get the right commercial finance, you need to get the right advice.

We have a team of specialist commercial finance advisors who’ll help ensure you have a successful journey. We’ll discuss your situation and needs, and then guide you every step of the way.

We’re Award-Winners!

We were voted the ‘Best Advisor Firm in the South’ in 2019, 2020, and 2021, and ‘Large Firm of the Year’ for the last three years by one of the UK’s most trusted mortgage and protection organisations.  

We’ve also been helping people like you for over 30 years… so we know what we’re doing!

Talk To An Advisor

Talk to an advisor

Why Use Michael Usher Commercial Finance?

Award-winning

We’ve won multiple ‘Best Advisor Firm’ awards from one of the UK’s most respected mortgage broker bodies.

5* Rated

We consistently receive great reviews from our customers, and we’re rated 5* on
Trustpilot & Google Reviews!

30 Years of Experience

We’ve been helping people like you for over 30 years. During this time, we’ve grown into one of the most trusted mortgage and finance brokers in the South of England.

Easy Application

We make the mortgage process quick and easy. You’ll just need to chat to us once and then we’ll do all the hard work for you!

Real People

We’re a friendly team of real people in a real office, and we can help you in person, on the phone or via video call.

Impartial Advisors

We’re not affiliated with any particular lender, which means we can recommend products based purely on your situation and needs.

Wide Range of Deals

We search deals from across the market to find the right finance option for you, including specialist and exclusive deals that are only available through brokers like us.

Protect Your Credit

We don’t run a credit check and we only apply for deals you’re likely to be accepted for – to protect your credit score and make your mortgage journey smoother.

Learn More About Commercial Finance

Check out some of our helpful guides!

Got More Questions?

Our friendly advisors are ready to help you on the phone, via video call, or in person. Simply book a chat at a time that suits you! 

Talk To An Advisor

It’s as simple as ABC… But it’s not ABC.

How it works

We don’t just find you the right mortgage, we make it easy for you as well.

Ask

Spend seconds filling out a few questions online or give us a call to book your FREE consultation.

Relax

We'll find you the right deal, handle your application, and guide you through the whole process.

Enjoy

This one’s self-explanatory, just sit back and enjoy the fruits of your new mortgage!

How It Works