Business Finance from £25,000 to £10 Million
Helping UK businesses secure:
✔ Commercial Mortgages
✔ Business Loans
✔ Revenue-Based Finance
✔ Bridging Loans
✔ Asset Finance
✔ Invoice Finance
Free initial consultation
No obligation
Access to 100+ UK lenders
Why businesses choose MRK Consultancy
Independent commercial finance specialists
Access to a wide panel of UK lenders
Complex cases welcome
Experienced with Ltd companies and SPVs
No obligation initial consultation
We may be able to help if you are
✓ Buying business premises
✓ Refinancing an existing commercial mortgage
✓ Purchasing a commercial investment property
✓ Expanding your business
✓ Buying through an SPV
✓ Recently been declined by a bank
✓ Looking for interest-only options
✓ Need a bridging loan
Sectors we regularly deal with
- Retail
- Hospitality
- Restaurants
- Healthcare
- Care Homes
- Professional Practices
- Commercial Properties
- Property Investors
Owner-Occupied Commercial Mortgages
If you’re purchasing a property to operate your business from, an owner-occupied commercial mortgage is the right solution. Lenders typically offer up to 75% of the property value, but professionals in certain industries may qualify for up to 100% financing.
- Loan terms available for up to 30 years
- No restrictions on property type (though complex cases may require a higher deposit)
- Our expertise ensures you find the best lender for your specific needs
Commercial Investment Mortgages
For those looking to invest in commercial or mixed-use properties, we help secure the right mortgage based on rental income potential.
- Loan-to-value (LTV) ranges between 65% and 70%
- Ideal for long-term investment strategies
- Terms available up to 30 years
- Rental income plays a key role in determining the loan amount
Residential Buy-to-Let Mortgages
Whether you’re purchasing a residential property as an individual or through a limited company, a buy-to-let mortgage helps you finance rental properties efficiently.
- Minimum deposit starts at 15% (though 30% is more common)
- Loan amount is based on projected rental income
- Terms available up to 30 years, usually on an interest-only basis
Ready to discuss your funding requirements?
Complete our short enquiry form today and we’ll assess your options with our panel of commercial lenders.
No obligation • No credit search • Fast response
FAQs
The amount you can borrow depends on the type of finance, the strength of your business, and affordability.
In general, commercial finance can range from £25,000 to over £10 million, depending on the lender and purpose of funding.
We assess your requirements across our panel of UK lenders to identify the most suitable options based on your trading history, property value (if applicable), and overall financial profile.
It depends on type of loan required
For commercial mortgages, deposits typically start from 20%–35%, depending on the property type and risk profile.
For business loans or unsecured finance, no deposit is usually required, although lenders will assess affordability and trading performance instead.
We can advise on the most suitable structure based on your circumstances.
Yes — many lenders will consider applications from early-stage businesses.
If your business has limited trading history, lenders may look at:
- Personal or director experience
- Business plan and projections
- Security or deposit available
- Industry sector
Start-ups are often funded, but options are more limited compared to established businesses. We can guide you through the most realistic routes.
Yes, adverse credit does not automatically prevent funding.
Many specialist lenders consider cases where there has been:
- Missed or late payments
- Previous defaults or CCJs
- Historic credit issues
The key factor is the current affordability and strength of the business.
We work with a wide panel of lenders, including those who specialise in complex and adverse credit scenarios.
Yes — purchasing through a Special Purpose Vehicle (SPV) is widely accepted by commercial mortgage lenders.
This is particularly common for:
- Property investors
- Portfolio landlords
- Tax-efficient structuring
Lenders will usually assess both the SPV and the underlying directors/shareholders when reviewing the application.
Timeframes vary depending on the type of finance and complexity of the case.
Typical examples:
- Business loans: 24–72 hours for initial decision
- Commercial mortgages: 2–6 weeks on average
- Bridging finance: can complete in days to weeks
We prioritise your enquiry and match you with lenders who can work to your required timeframe where possible.
In most cases, our service is free for initial introductions and guidance.
Where a fee is applicable (depending on the product and lender), this will always be explained clearly at the outset before you proceed.
We only move forward with your full agreement, and there is no obligation to continue at any stage.
We may receive an Introducer Fee from the Lenders on succesfull Loan completion.
Simply making an enquiry with us will not affect your credit score.
If you proceed to a full application with a lender, they may carry out a credit check as part of their underwriting process.
Where possible, we initially work with lenders who can provide an indicative decision before any formal credit search is carried out.