Email Address :- akram@stgeorgecommercial.co.uk
Commercial & Development
Commercial & Development
Commercial & Development Finance
Fuel your business ambitions or property projects with tailored funding solutions.
At St. George Commercial Finance Brokers Ltd., we specialize in helping investors, developers, and business owners access the right finance for commercial property purchases, refurbishments, or ground-up developments. Whether you’re expanding your portfolio, building from scratch, or investing in business premises, our expert brokers guide you every step of the way.
🏢 Commercial Finance
Secure funding for a wide range of commercial properties including:
Office buildings
Retail spaces and high streets
Warehouses and industrial units
Mixed-use properties
Hospitality (hotels, pubs, restaurants)
We work with mainstream and specialist lenders to offer:
Competitive interest rates
Flexible repayment terms
Up to 75% Loan-to-Value (LTV)
Solutions for owner-occupiers and investors
🏗️ Development Finance
For property developers needing capital to build or convert residential or commercial units. Ideal for:
Ground-up new builds
Large-scale refurbishments
Property conversions (commercial to residential)
Multi-unit developments
Joint ventures with landowners
We help you secure:
Staged funding based on project milestones
Up to 70-80% of total development cost (TDC)
Exit strategies (e.g., sale or refinance)
Specialist lenders familiar with complex projects
💡 Why Choose St. George?
Access to mainstream banks, private lenders, and challenger banks
Independent, whole-of-market advice
Fast decisions with a personal touch
Support with planning, cash flow, and exit strategies
What is the criteria of Commercial & Development ?
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Experience of the Borrower
Lenders typically require borrowers to have previous experience in commercial property ownership or development projects, especially for large-scale developments.
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Detailed Project Proposal
For development finance, you must submit a clear development plan, including planning permission, build timelines, contractor details, cost breakdowns, and exit strategies (sale or refinance).
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Loan-to-Value (LTV) or Loan-to-Cost (LTC) Ratio
Commercial Finance: Usually up to 75% LTV. Development Finance: Often up to 70-80% Loan-to-Cost (LTC) and 60-65% of Gross Development Value (GDV).
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Security or Collateral
The loan is secured against the property or land being purchased or developed. Additional guarantees or assets may be required depending on risk.
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Exit Strategy
A clearly defined exit plan (sale of developed units or long-term refinance) is essential to ensure the loan can be repaid on completion.
Testimonials
“When banks hesitated to back our first mixed-use development, St. George found us a lender who understood our plan. We secured the funds and completed on schedule.”
“We needed finance for refurbishing a warehouse into office space. St. George's team guided us through the process quickly and helped us secure flexible terms.”
“With St. George’s support, we went from a single shopfront to a portfolio of three commercial units. Their brokers are strategic, honest, and well-connected.”
Need Assistance ?
Whether you need assistance with financing or have a question about our services, our team is here to support you.
- 01273 855 711
- akram@stgeorgecommercial.co.uk