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 9 April 2026
I had the pleasure of working with Lauren Kilbride at Rothera Bray, and I’m so grateful for her support. She was brilliant throughout—her advice was always clear, practical, and incredibly helpful. What really stood out was how approachable and reassuring she was. She was always quick to respond and took the time to make everything feel straightforward and manageable. I genuinely felt in safe hands and wouldn’t hesitate to recommend her.
Lisa Reid
stars
Posted 9 April 2026
Nelissa made the whole process of setting up our estate after we have gone so easy and dare I say, her style made the experience an enjoyable one for such a morbid topic. She has a brilliant way of explaining the complex in a very simple pictorial representation making it it easy to decide the next course of action for our family. Extremely efficient and diligent - she was a pleasure to work with.
Arran
stars
Posted 8 April 2026
I dealt with Ellie Robinson as my solicitor and she was fantastic, easy to talk to and helped me understand everything as a first time buyer.
Jake Ashton
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Posted 8 April 2026
Ellie Robinson helped us remortgage recently and was a pleasure to work with! She was very knowledgeable and communicative and I will be working with her again in future!
Eliot Morris
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Posted 8 April 2026
Very happy with the excellent service I received from Rothera bray and in particular Will who was very helpful explaining everything in a clear and concise manner. Will is very approachable and clearly very knowledgeable and a credit to his business.
Sarah Newman
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Posted 7 April 2026
Absolute total professionalism throughout. Very thorough and very helpful. Always there to answer questions promptly and held my hand through a very emotional time. The move was quick and easy thanks to Ellie Robinson and her team at Derby, I can’t thank her enough.
Ruth Haywood
stars
Posted 4 April 2026
I was recommended to Rothera Bray Solicitors and Sara Odedra has been incredible from start to end. Sara has kept us up to date at every stage, has been quick to get back to us via email or phone call and explained anything that we weren't sure of. I would recommend Sara and Julian Ryan again and again - they are an asset to the team and have made this process easy! Thank you!
Carina
stars
Posted 2 April 2026
A very easy team to deal with. We were kept informed throughout the process which gave us total confidence during the successful sale of our property.
Bob C
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Posted 1 April 2026
Ellie Robinson was fantastic as our remortgage solicitor. Great communication and sorted everything for us! Would recommend to everyone!!
Evie
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Posted 31 March 2026
I recently worked with Will in relation to a settlement agreement and found him to be professional, knowledgeable and very supportive throughout the process. He explained everything clearly, took the time to answer my questions, and ensured I fully understood my options at each stage. I particularly valued his balanced approach — setting out the legal position while also supporting my preference for a more amicable and practical resolution. His guidance helped me feel confident in my decisions and ultimately achieve a fair outcome. I would not hesitate to recommend Will to anyone seeking clear and professional legal advice.
Employment client
stars
Posted 31 March 2026
I would like to express my sincere thanks to Ellie, our solicitor, ( and Grace) who have been absolutely wonderful in handling a particularly complicated situation involving my late mother’s assets. Ellie has shown exceptional professionalism, patience, and understanding throughout the entire process. At times, I know I may have been a little impatient myself, but she remained calm, supportive, and consistently reassuring, which made a very difficult time much easier to manage, with no hidden costs. I am truly grateful for all her hard work and dedication, and I wouldn’t hesitate to recommend her to others. She is a real credit to your team.
Claire Betts
stars
Posted 30 March 2026
Had fantastic service from Will recently. He was very professional, friendly and efficient. Highly recommended.
Pete Lambert

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.

Antony Fyson
Partner
Antony Fyson is a Partner 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.

Phillip Heseltine
Partner
Phillip has specialised in Commercial Property Law since 1997. He deals with sale and purchases of investment property and investment portfolios, but also the sale and acquisition of development land.

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.

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

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.

James Gray
Associate Solicitor
James is based at our Spa Place, Leicester office within the Commercial Property team. James’ specialisms include advising on all areas of freehold and leasehold commercial, agricultural and (aspects of) residential property.

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

Sarah Payne
Solicitor
Sarah Payne is a Solicitor in Rothera Bray’s Commercial Property team and is based at our Leicester office.

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