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
stars
Posted 10 July 2026
We were extremely satisfied with the service from Rothera Bray during the process of rewriting our Wills and Side letters. Our Wills are complex and our solicitor clarified the necessary changes and took the time needed to ensure we understood the legalities involved. The service was professional but friendly.
Bob and Yvonne Bundick
stars
Posted 10 July 2026
I found Rothera Bray to be professional and responsive. I was glad I used a firm with a local office rather than one of the remote conveyancing companies.
Nigel Wright
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Posted 10 July 2026
Ellie has been very helpful she was always ready to answer any questions/queries I had. Nothing was too much trouble at all. Ellie’s knowledge & expertise of my situation was extremely good. She kept me informed of time frames making sure I was always updated on my completion etc. I would highly recommend Ellie to my family and friends, a very patient professional who has helped me a lot. Rothera Bray have a wonderful member of their team in Ellie Robinson.
Beverley Wyatt
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Posted 10 July 2026
We had the pleasure of dealing with Rothera Bray for our property purchase and specifically Tim Brooke and his team Craig Allsopp and Nikola Dzierzak. Despite a non-straightforward transaction with multiple titles, Tim and his team were excellent from start to finish, always advising us in a timely manner and doing a really thorough job on all the searches and relevant property matters. Once completion took place, Tim and team stayed engaged to ensure the title registration was complete despite the delays at land registry. We cannot thank Tim enough as at several points we thought the property deal might fall through but with the advice, guidance and attention to detail provided by Tim we got there in the end! Thank you.
Prachi
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Posted 9 July 2026
It’s lovely to deal with someone whom makes the process just so easy. Dealing with Talita at Rothera Bray was an absolute pleasure . Very professional and thorough.
Will client
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Posted 8 July 2026
George dealt with my settlement agreement, quickly and efficiently. He answered all my questions and put my mind at rest that I was doing the right thing. Thanks.
Julie R
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Posted 8 July 2026
The experience was very good, Millie was very knowledgeable, was quick to respond and brought the matter to a successful conclusion.
Stephen Hughes
stars
Posted 8 July 2026
Lauren provided me with exceptional support and great advice throughout my case. She is incredibly knowledgeable, friendly, and honest, making what was such a stressful process for me much easier to manage. I'd highly recommend her to anyone who might need her services.
Employment Law client
stars
Posted 7 July 2026
The conveyancing process was smooth from start to finish. Everything was handled efficiently, communication was clear, and the team was polite and professional throughout. I really appreciated how straightforward they made the whole process. Ellie Robinson and Grace Millward Thank you for a great service!
Zak Appleby
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Posted 6 July 2026
Thank you to everyone for all your help over a long period of time. Your mannerism and efficiency to solve each issue was most impressive. I have recommended your services to others .What was going on in the background certainly tested my patience and you kept the ship running smoothly.
Daniel P
stars
Posted 6 July 2026
We have recently purchased a property and had the pleasure of working with Fatima Altaf for our conveyancing needs. She was superb from start to finish, she worked extremely hard and was always professional, friendly and in regular contact with us throughout to make sure we were up to date and well informed of the process. Moving house with a small baby in tow is a tricky process with lots of plates to juggle, but Fatima’s confidence and competence really did make it easier for us and we felt safe and in very good hands with her. We are very impressed and wouldn’t hesitate to use Rothera Bray again in the future.
Hannah Sullivan
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Posted 6 July 2026
I cannot thank Chelsey and the team at Rothera Bray LLP enough for their outstanding support. We were facing a highly stressful motoring matter involving a Section 172 allegation alongside a speeding offence, which originally arose because we never received the initial NIP / request to provide driver details in the post. Chelsey was incredibly efficient, swift and proactive. Thanks to her exceptional legal expertise, she acted immediately to negotiate with the Prosecution, successfully getting the Section 172 charge completely withdrawn before the court date. She resolved the speeding offence smoothly without requiring our personal attendance in Court and secured an incredibly favourable outcome (minimum penalty points and zero prosecution costs). Her communication was clear, fast, and deeply reassuring throughout the entire process. I would highly recommend Chelsey and her firm to anyone who requires legal assistance with motoring matters.
W Cheng

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.

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

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