Appointed representative of CMME Mortgages and Protection Ltd · FRN 414798 Brokers, not lenders · Whole of UK
CFS Craddock Financial Solutions Book a call
Not FCA regulated

Commercial finance

Commercial lending is underwritten by people, not algorithms. The case that gets agreed is the one where the trading story, the tenant and the exit are all set out clearly.

Loan size £100k to £10m+
Typical LTV 65–75%
Terms 5 to 25 years
Regulated No

What we arrange

01 Owner-occupier purchases — buying the premises your business already trades from
02 Commercial investment: offices, industrial units, retail parades and warehousing
03 Semi-commercial and mixed-use titles that residential lenders will not touch
04 Pension-fund purchases via SIPP and SSAS structures
05 Refinancing existing commercial debt onto better terms or a longer tail
06 Trading businesses with a leasehold interest, goodwill or specialist assets

Questions we get asked

How much deposit will I need?

Typically 25–35% for investment and owner-occupied premises, sometimes less where the trading covenant or additional security is strong.

How long does a commercial case take?

Six to twelve weeks is normal, driven by valuation and legals rather than credit. We build that into the timeline from day one.

My accounts had a bad year. Is that fatal?

No — commercial underwriters expect explanations. A properly written case that addresses it directly outperforms one that hopes nobody notices.
Funding premises or an investment unit? An honest view on whether it can be funded, and roughly on what terms. No credit search.
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Commercial and most buy to let lending is not regulated by the Financial Conduct Authority. Craddock Financial Solutions Ltd is an appointed representative of CMME Mortgages and Protection Limited, authorised and regulated by the Financial Conduct Authority, FRN 414798. We are a broker, not a lender; all lending is subject to status and lender criteria.