Property Finance
Flexible property finance solutions to help your business purchase, develop or refinance commercial property.
With Rise Funding, you can:
- Compare lenders, rates and fees
- Access property finance in as little as 24 hours
- Work with a dedicated finance specialist
Property finance to support your next project
Property finance provides businesses with fast, flexible funding for buying, improving or refinancing commercial or investment property. Whether you’re acquiring premises, expanding your portfolio, or need short-term bridging finance to secure a deal, property finance helps you stay in control of cash flow while moving your plans forward.
We work with a wide panel of lenders offering competitive commercial mortgages, property development finance, and short-term business property loans. A dedicated Rise Funding finance specialist will help you compare options and secure the most suitable structure for your project.
Get started
Is property finance right for your business?
Check your eligibility with a quick two-minute funding application and see whether a commercial property loan or bridging loan is the right fit.
£0.00
* this interest rate is a 'flat rate' and not an APR. 6.9% rate and longest term are based on the absolute lowest risk businesses and do not include any lender arrangement fees that may apply. This calculator is purely for illustrative purposes only. Rates, terms and amounts will vary depending on your businesses circumstances.
Who can benefit from property finance?
Any business looking to purchase, improve or leverage property can benefit from commercial property finance.
Popular use cases include:
Construction
Construction businesses can benefit from construction loans to help plug gaps and keep on track with important milestones.
Property developers
Funding for ground-up developments, refurbishments and conversions. Development finance provides staged payments aligned with construction projects
Landlords and investors
Buy-to-let loans, mixed-use property finance and refinancing options to expand or restructure portfolios. Home construction loans can be an effective way to build a house by using loans.
Retail, hospitality and service businesses
Shops, cafés, hotels and restaurants often rely on commercial mortgages to purchase or upgrade premises.
Industrial and logistics companies
Manufacturers, distributors and warehousing operations use property finance to expand or secure long-term premises.
Why use property finance?
You might need VAT loan for these reasons:
Purchase commercial premises
Commercial mortgages make it easier to secure offices, warehouses, retail spaces and investment properties without using all your working capital.
Fund refurbishments or property improvements
Refurbishment loans and development finance provide the capital needed for upgrades, conversions or major works.
Secure deals quickly with bridging finance
Short-term bridging loans help you move fast on time-sensitive property purchases, auctions or chain breaks.
Construction projects
Property finance can allow construction projects to continue without delay, and plug gaps in cash flow if the unexpected happens.
Flexible terms to match your project
From long-term commercial mortgages to short-term bridging loans, terms can be tailored to your project timeline and business goals.
Construction loans – all you need to know
If you want a deeper overview of how property finance works when using it for construction, and what options are available, our full guide covers:
- How construction loans work
- The differences between property finance, construction loans and all the benefits
- What lenders look for and how to qualify
How to enquire about Property Finance with Rise Funding
Get a free instant quote
Use our free instant quote tool to get an immediate answer for how much you could borrow.
Approval within 24 hours
From a two-minute application, you could get the exact funding you need in as little as 24 hours.
Loan terms from 3 months to 6 years
We can find you loans that fit any scenario, from quick cash flow fixes to long-term projects.
Rates from
6.9%
Our rates make our loans manageable and ideal for any business.
Our customer reviews
FAQs
The most frequently asked questions about property finance.
Property finance provides funding for purchasing, refurbishing or developing commercial or investment property. Depending on the type of loan, such as a commercial mortgage, bridging loan or development finance, the lender may release funds upfront or in stages. Repayments are made over an agreed term, with the property normally used as security.
Popular options include:
- Commercial mortgages
- Bridging loans
- Property development finance
- Refurbishment loans
- Construction loans
- Buy-to-let and investment property loans
- Auction finance
Each type supports different project timelines and funding needs. Make sure to contact us, and we will guide you through your best options.
Eligibility varies, but some lenders will consider new businesses, especially if there is strong security, a clear business plan or rental income. We can help identify lenders willing to support your project.
Bridging loans can be completed in as little as 2 weeks, while commercial mortgages may take several weeks depending on valuation, legal work and lender checks.
Yes. Refinancing can reduce your interest rate, restructure terms or release equity for cash flow, investment or new acquisitions.
For property finance, a deposit is usually required when purchasing. In commercial property transactions, this is typically around 30% of the purchase price. Lenders may offer up to 70% loan-to-value (LTV). In some cases, lenders may be prepared to lend at a higher LTV, depending on factors such as the strength of the borrower, the quality of the asset, rental income, and overall risk profile.
We’ll help you secure the property finance you need
This quote won’t affect your credit score
A dedicated finance specialist assigned to you
Funding in as little as 24 hours
We’ll help you find the funding your business needs
We will do the heavy lifting for you, and what’s more:
- We’ll manage your application
- Your credit score is not affected by apply with us
- Offers could be within 24hrs