Commercial Property Funding
Commercial Property Funding Solicitors
Securing funding against your commercial property could be a good option if you are looking to expand or take advantage of new economic opportunities.
We ask that you first approach your chosen bank to agree the principles of any funding.
Once you have an approved lending agreement, we can give you a realistic estimate of how long it will take for funds to be made available to you.
We will ensure that you are kept up to date at every stage of the process.
Our costs will be dependent on the amount that you are borrowing and the complexity of the lending agreement.
We will give you a realistic estimate at the beginning of the process so that you can budget accordingly.
When is commercial property finance used?
Commercial property finance is often used to purchase new business space such as warehouses, retail units and office buildings, and is a great option if you want to grow your business but can’t afford to do so outright.
Commercial property finance can also be used to refurbish or develop an existing commercial property.
What type of funding/finance should I use for my commercial property?
There are several options for funding the purchase of commercial property including:
- Commercial mortgage-a loan used to buy or refinance a property used for business purposes.
- Bridging finance-a short term loan used to bridge funding gaps before finding a long-term solution. Usually used to secure commercial property quickly or buy a property at auction.
- Asset-based lending-a loan secured by an asset (such as real estate, machinery or the property you intend to buy) which is used as collateral to guarantee the loan’s repayment.
- Sale and leaseback-you sell a commercial property you own and occupy from a buyer and lease it back from them.
- Private equity-Securing investment from private individuals or firms who in return get a percentage share in the equity of the property.
Should I purchase commercial property as a sole trader or under a limited liability company?
If you purchase commercial property as a sole trader, you are personally responsible for all the liabilities and debts of your business, which means if the business fails you could lose your personal assets to pay back the outstanding loan.
Whilst there are extra costs involved in setting up as a limited liability company, since a limited company is a separate legal entity from its owners, your personal assets will not be at risk if the business fails.
Do I need a personal guarantee to fund a commercial property?
If you are a small business or a new business that doesn’t have a strong financial record, then you will most likely need a personal guarantee because if you default on the loan the guarantee provides an additional source of repayment.
You should consider the implications of a personal guarantee before agreeing to one, as you will be personally responsible for paying back any outstanding debt and you could be putting your personal assets at risk.
However, there are steps you can take to reduce the risk to you such as taking out personal guarantee insurance or director’s or officer’s liability insurance, carefully reviewing the terms of the guarantee and seeing if you can negotiate the terms with the lender to release the personal liability once your business becomes more stable.
Why use Rothera Bray for commercial property funding?
Our team can help you with securing funding against your property for, amongst other things, the following:
• Expansion plans for your business
• Improvements to your commercial property
• Changing lenders and re-mortgaging
• Purchasing industrial plant and machinery
• Investing in other commercial property
Send us a message
“We’re interested in the way your business operates”
Philip Heseltine
Head of Commercial Property-Leicester
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Posted 11 August 2026
We would give your service a full 5 stars without hesitation. The communication from start to finish was second to none—you kept us informed at every single stage, answered our questions promptly, and made what could have been a stressful process feel entirely seamless and straightforward. We are incredibly grateful for all your hard work, thoroughness, and dedication to getting our purchase across the finish line. We wouldn't hesitate to recommend Rothera Bray (and specifically you!) to any family or friends looking for legal support.
Jamie Johnston
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Posted 11 August 2026
Excellent service with the drawing up of our will. Talita Fantauzzi was a great help, simply explaining the whole process and our options. Made a daunting task a simple and pleasurable experience.
Martin Nesbitt
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Posted 10 August 2026
George was an absolute pleasure to deal with. I had an urgent requirement, so we met on Teams. He was clear, understanding, supportive and incredibly knowledgeable! I can't recommend Rothera Bray more highly! Next time I need legal support, they will be my first call (hopefully not for while!). 10/10!
Nick Holloway
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Posted 7 August 2026
I was recommended to use Rothera Bray by a family friend. The staff at Rothera Bray worked relentlessly. They showed a high level of professionalism, and were extremely supportive throughout my divorce and separation, particularly while dealing with a very challenging opposition. They gave me peace of mind, and I always felt safe in the knowledge that I was being well supported during what was an incredibly difficult time in my life. I will always be grateful for the advice, guidance, and compassion they all showed throughout the process. I would never wish for anyone to find themselves in a situation requiring legal support, but if they do, your team will be the first I recommend without hesitation.
Craig Watts
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Posted 7 August 2026
I wouldn’t hesitate to recommend Nelissa at Rothera Bray in Loughborough. She has the ability to make complicated issues understandable, to enable you to consider options and reach a decision (we were completing our wills and updating a Deed of Trust). Additionally Nelissa is very thorough, approachable and efficient, producing our documents within days. Nelissa feels like ‘a safe pair of hands’ .
Sandra Simpson
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Posted 7 August 2026
Talita Fantauzzi provided a five star client experience when rewriting our wills for us - she was very knowledgeable and helpful.
Martin & Glynis
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Posted 6 August 2026
Isabella & Nelissa were both superb in their handling of the Estate of my late mother. They gave helpful advice with regular updates & quick responses to questions asked. They are without a doubt professional & proficient in what they do. I have no hesitation in recommending them & the firm of solicitors they represent, and will use them again in the future.
Shaun Gathercole
stars
Posted 5 August 2026
I cannot thank Rothera Bray Loughborough enough; my house move should have been straight forward, but several hiccups happened along the way. I did both my sale and purchase through them and had excellent service. They were supportive, offered great advice and updates and was their when I had multiple queries. Luisa was amazing, she was there for me when I didn't understand certain queries and was a really calm influence when I was worried about queries I had on the property I was buying. I would 100% recommend Rothera Bray and if I did ever move again I would use them in a heartbeat. Thanks so much!!
Rachael Turner
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Posted 4 August 2026
We have used Rothera Bray in the past, when dealing with my late mother's estate. Everything was handled really well, so I contacted Kerry Redfern at their Mapperley branch to sell a property I owned, which was intended to provide retirement funds. Kerry handled everything in a timely manner. The whole process was far less stressful than I had feared and here we are on completion day, with the money in our bank. I feel that Kerry's knowledge in relation to selling property, is extensive and she has guided us through every step of the process. As with probate after my mother's death; and also Rothera Bray dealing with an equity release situation, which facilitated my brother remaining in my late mother's home; I cannot fault the service we have had from them. I feel confident they can successfully deal with any situation that may present in the future where the services of a solicitor are required. We are grateful to them.
Property sale
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Posted 4 August 2026
George helped me with every step of the process when I was facing redundancy, offering invaluable advice and helping me to complete the settlement agreement from my workplace. I wouldn't hesitate to recommend George and Rothera Bray to expertly handle matters, particularly for Employment law/redundancy services.
Scott C
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Posted 4 August 2026
I recently used Rothera Bray for a house sale and purchase. The service I received from Ellie Robinson was top tier I was always kept up to date with the progression of the sale and purchase if ever I had any queries they were always answered quickly. My purchase wasn't straightforward there were a few teething problems with the property we were buying that needed to be sorted to make sure we weren't going to be in a bad situation after purchasing and Ellie made sure she went through everything with a fine tooth comb and everything was right before completion. Grace Millward also helped with things and was great. I would definitely recommend this company.
Michelle Dakin
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Posted 3 August 2026
The solicitor I worked with Fatima Altaf was efficient and personable, sharing realistic information and managing our expectations on what was possible, while also always working in our best interest to understand and progress the outcome to our needs and desired outcomes. We would be very happy to recommend Rothera Bray, we found the whole team to be very supportive, positive and dynamic, we were always informed of updates and there were no gaps or unexpected surprises throughout the process.
Wesley

Catherine Angrave
Partner & Head of Commercial Property
Catherine deals with all types of commercial property work and has acquired substantial experience in acting for residential property developer clients in the acquisition and disposal of development land. She’s based at our Leicester office.

Russell Thompson
Partner & Head of Licensing
Russell Thompson is a Partner in the Commercial Property department at Rothera Bray Solicitors and is based at our Lace Market office.

Antony Fyson
Consultant
Antony Fyson is a Consultant at Rothera Bray Solicitors. He works from our Lace Market office and offers clients a wealth of expertise in commercial property, property development and conveyancing matters.

Ed Postlethwaite
Managing Associate
Ed Postlethwaite is a Managing Associate in Rothera Bray’s Commercial Property team and is based at our Derby office.

Marneya Chauhan
Senior Associate Solicitor
Marneya is a Senior Associate Solicitor in our Commercial Property department, based at our Leicester office. He acts for commercial property lenders, property investors and landowners.

Amy Moore
Senior Associate Solicitor
Amy is part of our busy Commercial Property team at our Leicester city centre office. She specialises in commercial leases, renewal leases, and acts on behalf of pension schemes in relation to purchases, sales and lease aspects.

Marika Whiteman
Associate Solicitor
Marika Whiteman is an Associate Solicitor in Rothera Bray’s Commercial Property team and is based at our Leicester office.

Amie Hardy
Solicitor
Amie Hardy is a Solicitor in Rothera Bray’s Commercial Property department and is based at our Lace Market office.

Danielle Marshall
Solicitor
Danielle Marshall is a Solicitor in Rothera Bray’s Commercial Property team and is based at our Lace Market, Nottingham office.

Katie Sampson
Trainee Solicitor
Katie Sampson is a Trainee Solicitor in Rothera Bray’s Commercial Property department and is based at our Lace Market, Nottingham office.

Anita Davies
Paralegal
Anita Davies is a Paralegal who works in our Commercial Property department and is based at our Leicester office.

Alison Gill
Paralegal
Alison is a Paralegal in our Commercial Property department and is based at our Lace Market office.

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