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 28 May 2026
We have recently used Sarrina and her team to carry out the conveyancing for the sale of a property. They have all been exceedingly helpful and made the whole process as straightforward as possible. Nothing has been too much trouble and they have dealt with any issue very quickly. Highly recommended!
Tom Ridgway
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Posted 27 May 2026
We as an organisation have used Rothera Bray on numerous other occasions when we have sold houses in our portfolio. Both Sarrina and Julekha are very easy to work with and have an abundance of knowledge in the legal conveyancing framework. We wouldn't hesitate to recommend them.
Matt
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Posted 27 May 2026
I cannot thank Seetal and Rothera Bray Solicitors enough for all the hard work and support they have given me over the last 4 years with my accident at work claim. They have been extremely thorough, professional, and supportive throughout the entire process. Every step was clearly explained to me, and I always felt like they genuinely cared about getting the best outcome possible. Their attention to detail and dedication gave me a lot of confidence during a very difficult time. Thank you again for everything you have done for me.
Luke Shiels
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Posted 22 May 2026
Sara has been very helpful during the whole process, both my mother and I would recommend her highly.
Alison Marlow
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Posted 22 May 2026
I used Rebecca's services via Rothera Bray Solicitors to deal with the financial side to a divorce. I had an initial face to face appointment to talk through everything with Rebecca and this made me feel at ease and felt that Rebecca was the right person to help me. Rebecca has kept me highly informed at all stages throughout and has also given lots of great advice and has helped me a lot with getting things sorted. I am really happy with the service that I received and Rebecca was so friendly, kind, understanding and very helpful. I would 100% recommend to anyone who is requiring the help during a divorce.
Leila
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Posted 22 May 2026
Rothera Bray have been excellent in helping me resolve a difficult and expensive divorce, I found them extremely efficient - communication was excellent at all points and generally they were there when I needed them, they all took a personal interest in my case and we arrived at a reasonable resolution thanks to their efforts Specially thanks to Rebecca Emeleus and Rebecca Hudson for their great work, Highly recommended in what are always going to be difficult situation! They are people that you can rely on - which is very important in divorce actions particularly.
Stuart Randall
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Posted 21 May 2026
Both Ellie and Grace were very helpful and kept us up to date with the progress of our house purchase.
Christine
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Posted 21 May 2026
Sophie is kind and understanding. She explained everything and I felt I was in very capable hands. I would highly recommend Sophie.
Philippa Stephenson
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Posted 20 May 2026
We recently wished to effect a Declaration of Trust and changes to our tax positions with HMRC. It turned out to be relatively straightforward. However, in large part this was probably due to Ed Granger who dealt with the matter for us. He was highly attentive, full and clear in his explanations and checked our inputs thoroughly at every stage. Highly diligent, very pleasant and quick to respond. Thank you Ed.
Anonymous
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Posted 18 May 2026
Excellent service and advice from Lauren Kilbride at Rothera Bray Solicitors. Her advice was comprehensive, timely and professionally given. It made my decision making easy and the advice was delivered in language easy to understand. I would have no hesitation in seeking her services again should I require them.
Debra Mitchell
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Posted 18 May 2026
Since 2017 Carol Freeman and her assistant Gail Garner have dealt with the selling and buying of a number of properties for me for personal and bereavement reasons. They have been excellent and I can’t praise them enough. Thoroughly professional, reassuring and patient. I have complete trust in them.
Molly King
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Posted 17 May 2026
Julekha was a breath of fresh air as a conveyancing solicitor, she always had time for my many questions, was super efficient and constantly kept us up to date. Her time scale was excellent, although we could only go as fast as everyone else in the chain. Her Paralegal Sarrina Mills was also a real pleasure to deal with. Over all I would definitely recommend using them. Thank you
Lisa Loake
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 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.
Alison Gill
Paralegal
Alison is a Paralegal in our Commercial Property department and is based at our Lace Market office.
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