Business Loans & Commercial Property Finance
Business Loans and
Commercial Property Finance
At Hanover Commercial Finance, we specialise in delivering bespoke business loans and commercial property finance solutions for UK companies, property investors, and commercial owners. Whether you need immediate working capital, support with commercial property acquisition, or flexible refinancing, we will guide you to the right funding option — quickly, transparently, and without the red tape of high street banks.
Fast Business Loans for UK Companies
We offer tailored business lending solutions designed to help SMEs and limited companies overcome cashflow challenges and support growth. Our streamlined process means:
- Minimal paperwork and fast decisions
- No requirement for detailed business plans or cashflow forecasts
- Competitive, transparent interest terms
- The short-term finance
💡 Loan sizes: £50,000 – £500,000 (typical range)
📍 Service areas: London & wider UK locations considered
Speak with our business finance specialist today to explore tailored borrowing options and receive a personalised quote.
In collaboration with a specialist private lending partner we can provide flexible business loans and flexible credit line facilities for the London Hospitality marketplace including leasehold Guest Houses, B&B’s, Hostels, and Boutique Hotels. We support both established and new operators who require finance for Purchase, Expansion, Working Capital, Refurbishment, and Debt Restructure, which allows borrowers to draw on funds up to £500,000. Absolute flexibility. We can give an instant decision on any proposition. Get in touch today to find out more.
Commercial Property Finance & Commercial Mortgages
Whether you’re purchasing, refinancing, or investing, we arrange commercial property finance solutions across the UK. Our commercial mortgage services include:
- Owner-occupied commercial mortgages for businesses acquiring premises
- Commercial investment mortgages for rental and investment properties
- Finance for offices, industrial units, retail, hotels, healthcare facilities, and more
- Property finance for special-use sectors like care homes, nurseries, HMO portfolios, and agricultural properties
Our expertise ensures you receive competitive interest rates, flexible terms, and fast approvals — with decisions often within 24 hours depending on the case.
Tailored Options for Complex Property Finance Needs
Commercial property finance rarely fits a “one-size-fits-all” model. That’s why we also offer alternative structures:
Sale & Leaseback / Commercial Equity Release
- Unlock up to 93% of market value
- Ideal for businesses seeking capital without long-term borrowing
- Strong alternative to traditional mortgages
Buy & Leaseback
- Perfect for businesses relocating or expanding without substantial deposits
- Provides access to premises via a long-term lease while avoiding expensive borrowing
Specialist VAT Funding Support
Commercial property transactions often involve significant VAT costs, which can add up to 20% of completion funds. We provide bespoke short-term VAT funding solutions, including:
- Loans up to 100% of the VAT payable
- Fast application and completion (typically 5–7 days)
- Simple process without direct HMRC interaction
Why Choose Hanover Commercial Finance?
✔ UK Commercial Finance Experts – Experienced in business loans, commercial mortgages, and property finance across multiple sectors.
✔ Speed & Simplicity – Faster than mainstream lenders with less paperwork.
✔ Tailored Funding Solutions – Structured to your business objectives and cashflow needs.
✔ Accessible for Complex Cases – Including non-standard sectors and investment property portfolios.
Ready to Grow Your Business or Invest in Property?
Contact Hanover Commercial Finance to:
📞 Discuss your financing needs
📊 Compare loan options and commercial mortgages
🧠 Receive expert guidance and a personalised quote
➡ Call us on 0196 280 8057 or 07847 409 616
➡ Email us via: hanovercommercial1@gmail.com
Let’s explore how our business loans and commercial property finance solutions can support your goals and unlock growth opportunities.
Get in touch today!
Sale & Leaseback, Commercial Equity Release, Buy & Leaseback:
Financing commercial property with a mortgage does have advantages and disadvantages, so if you would like to consider a simpler, debt-free alternative to a mortgage to finance your commercial property, we can offer you these options:
(1) Sale & Leaseback facilities/Commercial Equity Release:
Many companies have asset-heavy balance sheets; in times of need those assets could be better utilised to fund cash flow or to support company growth, without the need for secured borrowing or expensive overdrafts.
We can offer companies the benefit of a Sale & Simultaneous Leaseback of their trading premises, allowing fast access to the equity capital tied up in their property – up to 93% of the market value to be precise.
(2) Buy & Leaseback facilities:
Available when a company requires new premises but is not in a financially strong enough position to buy; or they want to relocate to another part of the country, or they are struggling to afford a deposit to complete a commercial purchase with a mortgage.
In this case, the new premises can be purchased for the company to occupy, then let to it on a long secure lease.
Above all this facility is a real alternative to relying on the traditional banks and mainstream commercial lenders who may become restrictive in their lending during times of economic uncertainty.
VAT on Commercial Property:
The VAT charged on commercial property can be a problem especially when you consider that it effectively adds 20% to your purchase completion statement.
If you need help funding the VAT payable on your commercial purchase, we can provide the perfect solution by way of a bespoke short- term loan:
- Access to up to 100% of the VAT due
- Loans from£30k to £5m+on a 90 day term
- Simple application process with same day offers and completion in just 5-7 days.
- No need for you to deal with HMRC – the VAT recovery process is managed on your behalf.
Choose a Good Lawyer:
Commercial finance transactions (Commercial Mortgages, Sale & Leaseback, Commercial Bridging Loans, and Development Finance) are complex matters that require a quick turnaround to complete, and therefore need specialist advice so we strongly urge our clients to make sure they instruct a specialist law firm.
The law firm should be familiar with the process you require them to handle on your behalf, who can give you immediate and dedicated attention, and have proven experience in commercial business.
Using a specialist law firm may cost a little more but you will have the assurance of getting the right level of service with efficient execution to ensure a seamless process for your deal.
We can recommend a specialist lawyer if you need assistance.
If you have a commercial property transaction in mind and would like help with the finance arrangements, please contact us and request an Introduction Call, without obligation, to see if we can help you.