Empire Commercial Finance Reviews

Empire Commercial Finance specializes in providing tailored commercial financing solutions, focusing on customer satisfaction and flexible lending options for diverse business needs.

Here are the Trustpilot Reviews from Empire Commercial Finance:

Here are the Reviews from Empire Commercial Finance:

Cool always because I try hard to pay up and fix everything........ And I believe been trying hard . ....................... show more show less Product: Empire Finance Personal Loans Comment

Francis Roylee I

Jackie and Kim are absolutely great. From when I spoke to Kim over the phone to when my husband and I were in the office, they were so friendly and helpful, and they totally understood our situation. I will continue to do business with Empire due to the excellent people they have working for them. El Reno location! show more show less Comment

Mary Garcia

I have made all my payments on time and renewed a few times with no problem. I attempted to make a extra payment in order to pay off early and the young lady told me they could not take the extra amount that was not a full payment. In one month I paid $250.00, which my monthly payment were 100.50. My regular payment is $100.50 but to close the account you added $15.00 more dollars even though I had made extra payment in the same month. Be careful with this company. I do not think it was design to pay off. By the way I paid them off one month early, and still was charged $115.00 instead of my monthly $100.50. So I wont be going back, if it can be helped. Tanya Nicnor if that is her real name was very rude when I inquired about the extra payments and early payoff amount did not sound right. show more show less Comment

nlh1670

Tonya was such a huge help and had a excellent attitude. I will definitely be back because Tonya made the whole experience super easy and understanding show more show less Comment

jleipsic13

Brandi was awesome , they made fill comfortable and worthy of your business I recommend them far sure,, great place, and thank them far being there when needed show more show less Comment

chadleycramp

This experience was really great ! The process was quick and easy . They were very helpful and easy to work with . To anyone needing a personal loan Empire Finance is where you should go ! I recommend them all the way ! show more show less Comment

setzke7769

Explore Empire Commercial Finance's Finance Solutions:

Commercial Mortgage

£50,000 – £25,000,000

Bridging Loan

£100,000 – £25,000,000

Apply Now!

Explore Empire Commercial Finance's Finance Solutions:

Loan Type:

Commercial Mortgage

Loan Range:

£50,000 – £25,000,000

Loan Terms:

1 – 30 years

Minimum Turnover and Trading Age:

Typically 12 months trading or evidenced rental income

Interest Rate:

From 2.50% above Bank Base Rate (variable) or 3.50% fixed; exact rate dependent on lender and LTV

Fees:

Arrangement fee 1% – 2% of loan; valuation fee; legal costs; broker fee 0% – 1%

Loan Type:

Bridging Loan

Loan Range:

£100,000 – £25,000,000

Loan Terms:

1 – 24 months

Minimum Turnover and Trading Age:

No minimum trading—asset-backed facility

Interest Rate:

0.55% – 1.20% per month

Fees:

Arrangement fee 1% – 2%; exit fee up to 1%; valuation & legal costs; broker fee up to 1%

Loan Type:

Development Finance

Loan Range:

£250,000 – £25,000,000

Loan Terms:

3 – 36 months

Minimum Turnover and Trading Age:

Experienced developers preferred; new developers accepted with professional team

Interest Rate:

6.50% – 10.00% p.a. rolled or serviced

Fees:

Arrangement fee 1% – 2%; monitoring surveyor fees; exit fee 1% – 2%; broker fee up to 1%

Loan Type:

Asset Finance (HP & Leasing)

Loan Range:

£10,000 – £2,000,000

Loan Terms:

1 – 7 years

Minimum Turnover and Trading Age:

Minimum 6 months trading (start-ups considered with deposit)

Interest Rate:

From 4.50% flat rate (approx. 8% – 14% APR equivalent)

Fees:

Documentation fee £150 – £300; option-to-purchase fee for HP; broker fee may apply

Loan Type:

Invoice Finance (Factoring & Discounting)

Loan Range:

£50,000 – £5,000,000 facility limits (up to 90% of invoice value)

Loan Terms:

Revolving facility; 12-month renewable agreement typical

Minimum Turnover and Trading Age:

Minimum £250,000 annual turnover

Interest Rate:

2.00% – 3.50% over Base plus service fee 0.25% – 3.00% of turnover

Fees:

Service fee; discount fee; audit fee; trust account charges

Loan Type:

Unsecured Business Loan

Loan Range:

£5,000 – £500,000

Loan Terms:

3 months – 5 years

Minimum Turnover and Trading Age:

Minimum 3 months trading and £5,000 monthly turnover

Interest Rate:

7.90% – 29.00% APR representative

Fees:

Arrangement fee 0% – 5% depending on lender; early settlement penalties vary

More About Empire Commercial Finance

Empire Commercial Finance is a UK-based brokerage established in 2014. It connects businesses and property investors with a broad panel of banks, specialist lenders, and alternative finance providers. As an authorised and regulated credit broker (FRN 736453), it does not lend its own money but arranges various secured and unsecured funding solutions. This approach suits SMEs and property professionals seeking tailored finance, with options from small unsecured loans to complex property developments. For an overview of business financing options and secured lending, see business loans and commercial mortgages.

Key features of Empire Commercial Finance

Empire Commercial Finance offers practical support for diverse funding needs. Its market reach and service model enable customised guidance and packaging for complex deals.

Access to over 200 UK lenders including banks and specialist funders; see our lenders directory.
Dedicated case managers provide tailored assistance from enquiry to completion.
Indicative terms often delivered within 24 hours, aiding swift decision-making; learn about short-term business financing.
Ability to structure layered finance such as bridging combined with development exit finance.
Supports both regulated and unregulated property transactions nationwide.

Funding eligibility

Qualification criteria vary by product and lender. Generally, you may qualify if your business meets certain trading or asset requirements. Personal or director guarantees are commonly needed for larger loans.

Trading history requirements range from none (for asset-backed property finance) to 3–12 months for unsecured or asset finance; details on loan eligibility requirements.
Turnover thresholds apply, with unsecured loans requiring from £60,000 annually and invoice finance often above £250,000; see financial tools for self-assessment.
Personal guarantee expectations and implications are explained in understanding personal guarantees.

Loan options

Empire Commercial Finance arranges multiple loan types to cover a range of business and property funding needs. Below are some key options with respective features:

Unsecured Business Loans: £5,000 to £500,000 over 3 months to 5 years. Rates from 7.90% APR; full personal guarantees required. Suitable for businesses with minimum 3 months trading and £5,000 monthly turnover. More details at unsecured business loans.
Asset Finance: £10,000 to £2,000,000 over 1 to 7 years. Rates from approximately 8% to 14% APR, secured against the asset. Minimum 6 months trading, start-ups considered with deposit. Learn about asset finance options.
Invoice Finance: Facilities from £50,000 to £5,000,000, revolving 12-month agreements, up to 90% of invoice value. Requires minimum £250,000 turnover and creditworthy invoices. Find out more on invoice financing.
Commercial Mortgages: £50,000 to £25,000,000 over 1 to 30 years. Rates starting from 2.50% above Bank Base Rate variable or 3.50% fixed, plus fees. Generally 12 months trading or evidenced rental income required. Details at commercial mortgages.
Bridging Loans: £100,000 to £25,000,000 over 1 to 24 months. Rates 0.55% to 1.20% per month. No minimum trading history required as asset-backed finance. See our guide to bridging loans.
Development Finance: £250,000 to £25,000,000 over 3 to 36 months. Interest 6.50% to 10.00% p.a., rolled or serviced. Typically for experienced developers with strong teams. More on development finance.

How to apply

Applications are typically made via enquiry forms, phone, or email with document uploads through secure portals. Approval and funding times vary by product and lender.

Submit initial enquiry using the online application form or contact the broker by phone or email.
Provide key documents such as recent filed or management accounts, bank statements, ID, and asset or property details; see our application service provider glossary entry for context.
Expect indicative terms within 24 hours for many property loans; formal credit approval may take 2 to 10 working days depending on complexity; review our insights on loan approval timelines.
Upon approval, sign agreements and complete legal processes before receiving funds.

Funding Agent's view on Empire Commercial Finance

Empire Commercial Finance offers a wide spectrum of lending solutions through a comprehensive lender panel. Its brokerage model and hands-on case management suit businesses and property investors needing bespoke funding packages, including complex layered deals. The trade-off includes broker fees on successful facilities, dependency on third-party lender terms, and limited self-service digital options. For businesses seeking to explore financial suitability and compare loan options, Funding Agent offers tools like the loan eligibility checker, loan calculators, and a detailed guide on how to qualify for a business loan in the UK.