Top 10 Commercial Property Finance Providers in the UK 2026
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Top 10 Commercial Property Finance Providers in the UK
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | One Stop Business Finance | Fast bridging for manufacturing unit acquisitions up to £3m | £100,000 to £3,000,000 | interest 1.6% to 3% |
| 2 | Inhale Capital | Competitive low-rate bridging for manufacturing property purchases | £0 to £2,000,000 | interest 1.05% to 1.3% |
| 3 | Brightstar | Flexible bridging from £50k for manufacturing property projects | From £50,000 | interest 5% to 12% |
| 4 | HSBC Bank | Commercial mortgage for smaller manufacturing unit purchases | £1,000 to £300,000 | interest 8.6% to 11.3% |
| 5 | Barclays | Large commercial mortgages for manufacturing premises up to £25m | £1,000 to £25,000,000 | interest 8.5% to 14.9% |
| 6 | Admiral leasing | Commercial mortgages from £1k for light industrial units | From £1,000 | interest 5.5% to 13.5% |
| 7 | Factoringfinance | Low-rate commercial mortgages for manufacturing property refinance | Not published | interest 2.5% to 8% |
| 8 | United Trust Bank | High-value bridging for major manufacturing site developments | £100,000 to £35,000,000 | interest 5% to 12.5% |
| 9 | Ultimate Finance | Bridging for established manufacturers with strong turnover | £10,000 to £10,000,000 | interest 6.5% to 14% |
| 10 | MT Finance | Low-rate bridging from £50k for manufacturing property deals | £50,000 to £10,000,000 | interest 0.89% to 1.05% |
Commercial property finance helps UK manufacturing businesses buy, refinance or develop industrial premises such as factories, warehouses and production units. Whether acquiring a freehold facility, extending a site or refinancing to release equity, the right funding can protect cash flow and support growth. The UK market offers commercial mortgages, bridging loans and development finance. Choosing the best provider means matching your property type, loan size and timeline to a lender that understands manufacturing.
For manufacturers, property is often a critical operational asset, not just an investment. A factory or warehouse must meet production, storage and logistics needs. The wrong finance deal can strain working capital and limit expansion. Comparing the top commercial property finance providers helps you assess loan-to-value ratios, interest rates, repayment terms and speed of funding. Some lenders specialise in heavy industrial units, while others prefer standard commercial premises. Understanding these differences is essential before committing to a long-term facility.
Important: The providers below include both commercial mortgage lenders and bridging finance specialists. Commercial mortgages suit long-term property ownership, while bridging loans are designed for short-term funding needs such as auction purchases, refurbishments or chain-break scenarios. Speak to a qualified adviser before selecting a product.
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest or factor rate
Why it is included:It is included because many business owners need to compare several finance routes before choosing where to apply.
Funding Agent can help businesses compare suitable options across a lender panel, especially when eligibility depends on turnover, sector, trading history, credit strength and available documents.
Best use case: When the borrower wants to avoid applying to one lender at a time.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Why it stands out
- Useful when a business wants to compare lender fit rather than guess which lender to apply to first.
- Can help position the application around the funding purpose, trading profile and available documents.
- Works well as a conversion route for readers who are unsure whether a direct lender will approve a larger unsecured facility.
Need to know
- Funding Agent is a broker, not a lender.
- The lender, not Funding Agent, sets the final rate, term, fees and approval decision.
- The best match may be unsecured, secured, revolving credit, invoice finance or another product depending on the case.
Expert take
Funding Agent is a useful honourable mention for business owners who want to compare lender options before submitting a full application. A larger unsecured loan is not always approved by the first lender a business finds, so understanding lender fit early can reduce wasted time and avoid unnecessary declines.
One Stop Business Finance
Published loan range£100,000 to £3,000,000
Rate typeinterest 1.6% to 3%
Overview: One Stop Business Finance offers bridging loans from £100,000 to £3,000,000. Manufacturers can use this facility to buy or refinance commercial property including factories, warehouses and industrial units across the UK.
Funding can complete within five days, which helps manufacturers move quickly on property purchases. Interest rates start from 1.6%, making it a cost-effective option for short-term commercial property finance needs.
Best next step: Compare commercial property finance options with Funding Agent today.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Loans from £100,000 to £3,000,000
- Funding available within five working days
- Suitable for factories and industrial units
Need to know
- Short-term bridging finance, not a long-term mortgage
- Requires suitable commercial property as security
- Legal and valuation costs may apply
Expert take
One Stop Business Finance suits manufacturers needing fast bridging to secure commercial premises. The five-day turnaround helps avoid losing out on prime industrial property, though it works best as a short-term solution before refinancing.
Source:https://www.osbf.co.uk/
Inhale Capital
Published loan range£0 to £2,000,000
Rate typeinterest 1.05% to 1.3%
Overview: Inhale Capital delivers bridging loans up to £2,000,000 with funding possible within 24 hours. Manufacturers seeking swift commercial property purchases can benefit from this speed when competing for industrial units or production facilities.
Interest rates range from 1.05% to 1.3%, offering competitive pricing for short-term property-backed finance. This lender suits manufacturers who need to complete quickly and refinance or sell later.
Best next step: Explore bridging options for your manufacturing property needs.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding available in as little as 24 hours
- Competitive rates starting from 1.05%
- Loans available up to £2,000,000
Need to know
- Short-term secured lending against commercial property
- Exit strategy required before funding completes
- Property valuation and legal checks apply
Expert take
Inhale Capital stands out for speed, funding within 24 hours. For manufacturers under time pressure to acquire premises, this rapid access to capital can make the difference in competitive property negotiations.
Brightstar
Published loan rangeFrom £50,000
Rate typeinterest 5% to 12%
Overview: Brightstar provides property-backed funding from £50,000 with completion possible in 24 hours. Manufacturers looking to purchase or refinance smaller commercial units and workshops can find accessible entry points here.
Rates start from 5% for secured lending against commercial property. This provider suits manufacturing businesses that need flexible, short-term funding with a clear exit plan, whether through refinance or property sale.
Best next step: Check your eligibility for Brightstar commercial property finance.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Starting from just £50,000 minimum loan
- Funding completion possible within 24 hours
- Suitable for smaller commercial property deals
Need to know
- Secured lending requires a clear repayment strategy
- Rates vary based on property and borrower profile
- Short-term facility, not a long-duration mortgage
Expert take
Brightstar's lower minimum loan of £50,000 makes it accessible for smaller manufacturers. It works well for those buying modest workshops or refinancing existing industrial units, though rates are higher than some competitors.
HSBC Bank
Published loan range£1,000 to £300,000
Rate typeinterest 8.6% to 11.3%
Overview: HSBC offers commercial mortgages from £1,000 to £300,000 for UK businesses. Manufacturing firms can use these loans to purchase owner-occupied premises or refinance existing commercial property with a recognised high-street lender.
Interest rates range from 8.6% to 11.3%. HSBC's broad product coverage includes property-backed lending alongside other business finance options, making it a familiar choice for established manufacturing companies seeking stability.
Best next step: Compare HSBC commercial mortgage rates through Funding Agent.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Trusted high-street banking brand
- Commercial mortgages alongside wider business banking
- Loans from £1,000 to £300,000 available
Need to know
- Bank underwriting can be slower than alternative lenders
- Strong trading history and affordability checks required
- Personal guarantee may be requested by the bank
Expert take
HSBC brings brand reliability to commercial property finance. For established manufacturers with clean accounts, a bank mortgage offers familiar terms, though the underwriting process is typically more rigorous and slower than specialist lenders.
Source:https://www.business.hsbc.uk/en-gb/finance-and-borrowing
Barclays
Published loan range£1,000 to £25,000,000
Rate typeinterest 8.5% to 14.9%
Overview: Barclays provides business mortgages from £1,000 to £25,000,000, covering everything from small workshops to large manufacturing facilities. This wide range makes it suitable for manufacturers at various stages of growth.
Rates start at 8.5% and reach 14.9% depending on the facility. Barclays supports commercial property purchase and refinance, and its high upper limit can accommodate substantial industrial premises or multi-site manufacturing operations.
Best next step: See if a Barclays business mortgage suits your manufacturing firm.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Loans available up to £25,000,000
- Covers purchase and refinance of commercial property
- Suitable for multi-site manufacturing operations
Need to know
- Rates can reach 14.9% for higher-risk facilities
- Bank underwriting standards apply throughout
- Security and personal guarantees are typically required
Expert take
Barclays' £25m upper limit is a standout feature for manufacturers needing large premises. Its business mortgage product suits firms scaling up production, though rates vary and bank-level scrutiny applies to every application.
Admiral leasing
Published loan rangeFrom £1,000
Rate typeinterest 5.5% to 13.5%
Overview: Admiral leasing offers commercial mortgages starting from £1,000, with funding decisions in as little as four hours. Manufacturers can access property finance quickly, whether purchasing a small industrial unit or refinancing existing premises.
Rates range from 5.5% to 13.5% for secured commercial property lending. The fast decision time helps manufacturing businesses act decisively when suitable premises become available, reducing the risk of losing out to other buyers.
Best next step: Explore Admiral leasing commercial mortgage options for your business.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Rapid decisions in as little as four hours
- Commercial mortgages available from just £1,000
- Rates starting from 5.5% for property lending
Need to know
- Secured lending requires commercial property as collateral
- Deposits and property valuations typically needed
- Higher rates apply to riskier borrower profiles
Expert take
Admiral leasing's four-hour decision window is impressive for commercial mortgages. Manufacturers needing to move fast on property will appreciate the speed, though rates climb for borrowers with less established profiles.
Factoringfinance
Published loan rangeNot published
Rate typeinterest 2.5% to 8%
Overview: Factoringfinance provides commercial mortgages alongside invoice finance facilities. Manufacturing businesses can fund property purchases while also unlocking cash tied up in unpaid B2B invoices, offering a dual approach to business finance.
Commercial mortgage rates range from 2.5% to 8%. For manufacturers that sell on credit terms, combining property finance with invoice factoring can ease cash flow pressures while acquiring or refinancing commercial premises.
Best next step: Check combined property and invoice finance options for your firm.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Commercial mortgage rates from 2.5% to 8%
- Combine property and invoice finance facilities
- Supports manufacturers selling on B2B credit terms
Need to know
- Loan range not published, so eligibility varies
- Invoice finance suitability depends on debtor quality
- Commercial property required as security for mortgages
Expert take
Factoringfinance offers a distinctive proposition for manufacturers: pairing commercial mortgages with invoice finance. This dual approach helps firms fund property without draining working capital, though mortgage loan sizes are not publicly listed.
United Trust Bank
Published loan range£100,000 to £35,000,000
Rate typeinterest 5% to 12.5%
Overview: United Trust Bank provides bridging finance from £100,000 to £35,000,000 for commercial property transactions. Manufacturers can access substantial funding to purchase, refinance or develop industrial sites, warehouses and production facilities.
Rates range from 5% to 12.5% with funding typically within 48 hours. The wide loan range accommodates both mid-sized manufacturers upgrading premises and larger operations acquiring multi-million-pound industrial sites.
Best next step: Explore United Trust Bank bridging for your commercial property needs.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Bridging loans from £100,000 to £35,000,000
- Funding available within 48 hours typically
- Suitable for industrial sites and warehouses
Need to know
- Short-term bridging, not a long-term mortgage solution
- Exit strategy required for loan approval
- Property valuations and legal fees apply
Expert take
United Trust Bank's £35m ceiling makes it a serious option for large manufacturing property deals. The 48-hour funding timeline and broad range suit businesses from mid-market to major industrial operators needing bridging finance.
Source:https://www.utbank.co.uk/
Ultimate Finance
Published loan range£10,000 to £10,000,000
Rate typeinterest 6.5% to 14%
Overview: Ultimate Finance offers bridging loans from £10,000 to £10,000,000, with funding within 24 hours. This flexibility serves manufacturers at all levels, from small workshop purchases to substantial industrial property acquisitions.
Rates range from 6.5% to 14% for property-backed bridging. Ultimate Finance also provides invoice and asset finance, giving manufacturing businesses options to combine property funding with wider working capital support.
Best next step: See bridging loan options for your manufacturing property purchase.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Loans from £10,000 to £10,000,000 available
- Funding completion possible within 24 hours
- Combine bridging with asset or invoice finance
Need to know
- Rates can reach 14% for higher-risk cases
- Secured against commercial property only
- Exit plan needed for short-term bridging facilities
Expert take
Ultimate Finance's wide range and fast funding make it adaptable for manufacturing. The ability to pair bridging with invoice or asset finance helps manufacturers manage cash flow while acquiring property, though rates sit at the higher end.
MT Finance
Published loan range£50,000 to £10,000,000
Rate typeinterest 0.89% to 1.05%
Overview: MT Finance provides bridging loans from £50,000 to £10,000,000 with competitive rates starting at 0.89% per month. Manufacturers seeking cost-effective short-term property finance can use this facility to buy or refinance commercial premises.
Funding is typically available within 24 hours. MT Finance specialises in property-backed lending, making it a focused choice for manufacturers that need quick access to capital secured against commercial real estate.
Best next step: Check MT Finance bridging rates for your commercial property.
More info
Company stats
Loan range
Rates and debtor rules
Benefits
- Market-leading rates from just 0.89% monthly
- Loans available from £50,000 to £10,000,000
- Funding typically completes within 24 hours
Need to know
- Short-term bridging only, not a permanent mortgage
- Clear exit strategy required before approval
- Property valuation and solicitor involvement needed
Expert take
MT Finance's headline rate of 0.89% is among the most competitive in bridging. For manufacturers with a clear exit route, this lender offers an affordable short-term property funding solution with rapid completion times.
Source:https://www.mt-finance.com/
Commercial Mortgage Calculator
How commercial mortgages work for UK manufacturing businesses
A commercial mortgage lets a manufacturing business buy or refinance an industrial property such as a factory, warehouse, or production unit. The loan is secured against the property itself.
Terms typically run from 3 to 25 years. Loan-to-value ratios (LTV) for manufacturing premises usually fall between 60% and 75%, so you will need a deposit or existing equity of 25% to 40%. Specialist properties like heavy industrial units may attract lower LTVs than standard warehouses.
Most lenders offer monthly capital and interest repayments. Some provide interest-only periods, which can ease cash flow while you set up production lines or fit out machinery. Fixed rates help manufacturers budget repayments alongside raw material and labour costs. Variable rates may offer lower starting payments but carry more uncertainty.
For refinancing, lenders assess your current property value, recent trading performance, and how you plan to use the released equity. Equity release can fund new equipment, expansion, or working capital. Lenders familiar with manufacturing assets tend to value industrial property more accurately than generalist providers, which can affect the amount you can borrow.
Bridging finance vs development finance for manufacturing property projects
Manufacturers sometimes need funding outside a standard commercial mortgage. Bridging finance and development finance serve different needs, and choosing correctly depends on your project and timeline.
Bridging finance is short-term, typically 3 to 24 months. It suits buying an industrial unit at auction, breaking a property chain, or securing premises while arranging longer funding. Bridging lenders focus on property value and your exit strategy rather than trading history. Funds can arrive within weeks. Interest is charged monthly at rates that reflect the short-term risk.
Development finance supports building or converting manufacturing facilities. If you are constructing a factory, adding an extension, or converting a warehouse, development finance releases funds in stages tied to build progress. Lenders assess the gross development value (GDV) and may lend up to 70% of GDV. Interest applies only to drawn amounts, which helps control costs during construction.
The critical difference is purpose: bridging handles quick purchases or temporary gaps, while development finance funds construction or major refurbishment. Manufacturers should match the finance type to the project before comparing providers.
What manufacturing businesses should compare when choosing a commercial property lender
Not all commercial property lenders understand manufacturing. Comparing providers on the right criteria helps you secure terms suited to industrial premises.
First, check whether the lender has experience with your property type. A lender comfortable with factories and warehouses will value them more accurately than one focused on offices or retail. This directly affects your LTV and borrowing amount.
Second, compare LTV ratios. For commercial mortgages on manufacturing premises, typical LTVs range from 60% to 75%. Bridging lenders may offer 65% to 75% LTV on industrial assets. Development finance LTVs, based on GDV, often reach 70%. Higher LTV means a smaller deposit but may come with a higher rate.
Third, review rate structures. Commercial mortgages offer fixed or variable rates. Bridging and development finance typically use monthly interest rates, so compare the annual equivalent before deciding.
Fourth, consider speed and flexibility. Some lenders take weeks to approve a commercial mortgage, while bridging providers can move faster. Development finance involves staged drawdowns that suit longer build programmes. Match the lender's timeline to your project needs.
| Finance type | Typical term | LTV range for manufacturing | Best for |
|---|---|---|---|
| Commercial mortgage | 3 to 25 years | 60% to 75% | Buying or refinancing existing premises |
| Bridging finance | 3 to 24 months | 65% to 75% | Auction purchases, chain breaks |
| Development finance | 6 to 36 months | Up to 70% of GDV | New builds, extensions, conversions |
Eligibility criteria for manufacturing commercial property finance
Lenders assess several factors when manufacturers apply for commercial property finance. Knowing these ahead of time helps you target the right providers.
Trading history is important for commercial mortgages. Most high-street lenders want two to three years of filed accounts. Specialist lenders and bridging providers may accept shorter periods if the property and exit strategy are solid. Start-up manufacturers may find bridging or development finance easier to access than a traditional mortgage.
Turnover and profitability are reviewed alongside your business plan. Lenders need confidence that your manufacturing operation can service the debt. For development projects, they examine projected costs, contractor credentials, and the completed facility's end value.
Deposit requirements vary. Expect 25% to 40% for a commercial mortgage on industrial property. Bridging deposits are similar. Development finance usually requires land equity or cash contribution toward total project cost.
Personal guarantees are common. Directors may need to provide one, particularly for bridging or development finance. Some lenders also require a debenture over company assets. Manufacturers with strong balance sheets and asset backing generally secure better terms. Preparing financial documents, property details, and a clear funding purpose before applying speeds up the process.
FAQs
Commercial property finance works by a lender advancing funds to help you buy, refinance, or develop a commercial property such as an office, warehouse, retail unit, or mixed-use building. You typically borrow a percentage of the property value or purchase price — known as the loan-to-value (LTV) ratio — and repay the loan over an agreed term, either through monthly capital and interest payments or on an interest-only basis. The property itself serves as security, meaning the lender can repossess it if you fail to keep up with repayments. Commercial mortgages are the most common form, though development finance and bridging loans are available for shorter-term or project-based needs.
Eligibility varies by lender, but most UK commercial mortgage providers will look at several key factors. You will typically need to be a UK-registered limited company, partnership, or sole trader with a viable business track record. Lenders assess the quality and value of the commercial property, your trading history and accounts, the strength of your business plan, and your ability to service the debt from rental income or trading profits. Most lenders also expect a minimum deposit — often from 25% to 40% of the property value — though this depends on the asset type, location, and your credit profile. Startups and borrowers with limited trading history may find fewer options available.
Commercial mortgage interest rates and terms depend on the lender, the property type, the loan size, and your business's financial strength. Rates can be fixed or variable and are influenced by the Bank of England base rate, the perceived risk of the lending, and the LTV ratio. Loan terms commonly range from three to twenty-five years, with some lenders offering longer terms for strong borrowers. Arrangement fees, valuation fees, and legal costs also apply and should be factored into your total cost comparison. Because rates and terms vary so much between providers, it is always worth comparing multiple quotes through a qualified broker.
A commercial mortgage is designed for long-term funding — typically three years or more — and suits businesses buying or refinancing established commercial property. Bridging finance, by contrast, is a short-term loan lasting anywhere from a few weeks to around two years, often used when speed is critical, such as buying at auction or covering a gap before longer-term funding is arranged. Development finance is specifically for ground-up construction or heavy refurbishment projects, with funds released in stages as work progresses. Each product serves a different purpose, so the right choice depends on your timeline, project type, and exit strategy.
When comparing providers, look beyond the headline interest rate. Consider the total cost including arrangement fees, exit fees, and any early repayment charges. Check the lender's experience in your specific sector — some specialise in industrial assets, others in retail or offices. Look at their speed of decision-making, the flexibility of their lending criteria, and whether they offer features like interest-only periods or capital repayment holidays. Customer reviews, broker feedback, and whether the lender is regulated by the Financial Conduct Authority are also strong indicators of quality and reliability.
Yes, it is possible to secure commercial property finance with a less-than-perfect credit history, though your options may be narrower. Specialist lenders and some challenger banks are often more flexible than high street banks when it comes to adverse credit. You may need to provide a larger deposit, accept a lower LTV, or pay a higher interest rate to offset the perceived risk. In some cases, a bridging loan can be used to complete a purchase while you work on improving your credit profile ahead of refinancing onto a standard commercial mortgage.
