Commercial
Finance
Long-term capital solutions for trading businesses and investors. We secure the stability you need to plan for the future.
Features
Build a fortress for your business
Whether you are looking to stop paying rent or expand your investment portfolio, we secure the capital that fuels long-term growth.
Own Your Premises
Stop paying your landlord's mortgage. We help trading businesses purchase their own commercial premises, turning a monthly expense into a long-term asset on your balance sheet
Unlocking Working Capital
Your property shouldn't be "lazy equity". We can refinance existing assets to release significant cash sums, funding stock purchases, expansion plans, or tax bills.
Maximise Your Yield
For professional investors, the interest, rate dictates the profit. We access "challenger bank" rates that compete aggressively with the high street, ensuring your rental vield isn't eaten up by costs.
Value
There’s more than one path to funding. When traditional bank algorithms turn down 56% of SME applications, we connect businesses to specialist lenders ready to say “Yes.”
High street banks have narrow criteria. We have direct lines to over 200 specialist lenders, family offices, and debt funds who lend based on business strength, not just "computer says no."
Standard lenders often misread company accounts. We work with underwriters who understand "add-backs" and retained profits, allowing us to prove your true affordability and secure higher loan amounts.
We are experts in separating your trading business (OpCo) from your property asset (PropCo). We also handle SIPP and SSAS pension mortgages, ensuring your financing is tax-efficient.
Breakdown
Power your
business growth
Benefits and Features
Talk to a Funding Advisor Today
Solutions
Other Funding Solutions
Berkley Place empowers property entrepreneurs with strategic financial support. We transform property visions into profitable realities through expert guidance and tailored funding solutions.
Key Figures
FAQ's
Frequently
Asked Questions
Can I buy a property through my pension?
Yes. We specialise in SIPP and SSAS pension mortgages. This is a highly tax-efficient way to buy commercial property, as the rent is paid into your pension pot tax-free.
Can I get an interest-only commercial mortgage?
Yes. While high-street banks prefer capital repayment, many of our specialist lenders offer interest-only terms up to 65%–70% LTV. This significantly reduces your monthly overheads and aids cash flow.
Lenders say my profit is too low. Can you help?
Often, yes. Banks look at net profit, but we look at adjusted EBITDA. By "adding back" one-off costs, depreciation, and director's pension contributions, we can often prove a much higher level of affordability.
Do you lend to businesses with adverse credit?
We have access to lenders who take a pragmatic view of historical credit issues. If your current business performance is strong, a past CCJ or missed payment doesn't necessarily mean a decline.
Can't find an answer to your question?
Get in touch and we’ll be happy to help.
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