Commercial Lending

Commercial Lending - Diverse Lending Solutions For All Your Needs

Commercial lending interchangeably also referred to as Business loan, are pivotal to the business sector as primary source of funds which fuels the business needs, meets working capital requirements and keeps the business engine running.

Business have varied set of financial requirements depending on the objective and time-line for the set purpose to be met, some of the popular lending options used by business small and medium alike are Bridging finance, Unsecured business loan, Asset finance, Secured loan, Invoice factoring and discounting as well as Commercial Mortgage/Buy to Let, we would be able to support you and your business with all these and much more.

Commercial Mortgages:

Commercial Mortgages are primarily borrowings from lenders to finance purchase of non-residential properties. The type of commercial properties which can be purchased are shops, offices and business premises.

Commercial mortgages are offered by most, if not all high street lenders and there are specialist lenders with deals available. The loan to value offered on commercial mortgages is lower than residential mortgages, which means the borrower has to put a higher amount of deposit. One thing to note is the interest rates on such loans are also higher, when compared to residential mortgages.

Bridging Loans:

A Bridging loan as the name suggests, is a short-term lending facility that helps borrowers with immediate and short-term liquidity requirements. This could be when you are buying a new property before completing the sale of an existing property or purchasing an auction property. Bridging loans are of two types namely Closed Bridging loans and Open Bridging loans.

Closed Bridging loan is where there is a fixed repayment date set, while in Open Bridging loans while there is no fixed set repayment date but your borrower is expected to repay the said loan within a 12 month period.

Since Bridging loans are short term finance alternatives, the interest rates are higher than residential or commercial mortgages and the loan to value offered by lenders would usually not exceed 75% of the cost of the property. As part of the loan application process, the lender would require an assessment an exit strategy showcasing how the repayment would be made.

Commercial Mortgages are not regulated by the FCA.

Our experienced team of advisers works closely with you to understand your specific business lending requirements and can put together a plethora of options to assist you.

Contact us now to discuss your commercial and business financing needs.

What our past clients have said

As first-time buyers me and my husband were really unsure and sceptical about the whole process of buying a house. But we were relieved from that tension when we met Prasanna. Prasanna helped us at every stage of this process, from securing the best home loan to guiding through every step till we got the possession of our house. Every little query we use to turn to him and he never disappointed us. He was always a call away very patiently answering all our questions and clearing our doubts. He also made sure we understood what all options we had and advised us to choose the best ones from the available loans. He was always on the same page with us, when deciding what will work out best for us. I wouldn't hesitate to recommend Prasanna and Prism Mortgages to everyone. We will be definitely using his services again. Thanks again for all the support and expert advice.
Shweta Tandel & Sateesh Tandel. Durham, England.
I highly recommend Prism Financial Service for Mortgage and Life Insurance Cover. Their staff members are friendly, approachable and always available on phone. I did my mortgage and life cover with them and it was quick and hassle free. Thank you Rajesh, Pravin and Prasanna for your support.
Nilotpal Mandal. Slough, England.
Prasanna and the team at Prism finances have been very proactive and extremely helpful in find us the right mortgage provider to remortgage our home. Prasanna's tireless effort and constant involvement was very commendable and impressive. We would highly recommend him
Mr. & Mrs Joshi. Leicester, England.
Pravin, thank you very much for making a consolidated life cover for me and my wife. We are very happy the way you dealt with amending the life cover, critical illness cover and mortgage protection cover, to suit our requirement and budget. We wish you all the very best for future.
Nitin & Parul Dobhal. Glasgow, Scotland.
Prasanna and his team at Prism have been amazing and very helpful in every aspect of mortgage process. Prasanna guided me through whole process and able to find us mortgage better than what we were hoped for. Prasanna also gave us financial advice which helped us to obtain two mortgages at the same time. I was able to complete everything over the phone. Very approachable and reliable. We will highly recommend Prasanna and his team.
Anson & Olivia Dias. Nottingham, England.
Prism Financial Services helped me get my dream home. As this is our first home, we were not sure with process and time involved. Pravin Singh, his confidence and approach made the process like a pleasant journey which once looked like a mountain. He always stood by us with his vast experience and informed advice. I am now living happily with my family in our new home. Thank you, Pravin & Prism Financial Services.
Ajit Kaur. London, England.
Why choose Prism Financial Services?
Our clients choose to trust us over the competition because of the way we conduct our business.
We provide our services to suit you, whether face to face, telephone or email
We search the whole market to ensure we find the right mortgage for you
We continue to monitor the market place and will keep you updated on opportunities
We provide access to your own Client Portal for secure messages and document uploads
Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Prism Financial Services is a trading style of Prism Global Services Ltd - FCA reference number is 937225, an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority, registered in England and Wales no. 09832887, registered address: 70 St. Johns Close, Knowle, Solihull, England, B93 0NH.

Prism Global Services Ltd trading as Prism Financial Services is registered in England and Wales no. 12331294

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority

Conveyancing, Wills, Estate Planning and Commercial Mortgages are not regulated by the Financial Conduct Authority.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK

We charge a fee of up to 1% of the mortgage amount, for our service in relation to mortgage contracts.

Speak to Us
0208 1080 266
Prism Financial Services
Head Office:
Floor 3, Block A Room 20
50 Salisbury Road
London
England
TW4 6JQ
Click here to get details of our office in the Midlands