Specialist Short-Term Finance for Commercial Property and Value-Add Development
Delivering bespoke solutions for commercial acquisitions, refinancing and repositioning of property in prime UK locations.
Short-term finance for commercial property assets (office blocks, retail, industrial, warehousing) for purchase, refinance, or repositioning; useful for investors or developers in the commercial sector.
Ideal for
- Property companies acquiring or refinancing commercial assets
- Investors repositioning commercial assets (change of use, refurb)
- Businesses needing short-term hold funding before drawing down longer-term financing
Borrowing Range & Term
- Loan size: from £100k up to £3m (depending on asset quality, location and borrower)
- Term: typically 3–12 months
Typical Criteria
- Exit Strategy
- Refinance to institutional lender, sale, re-leasing and refinance, change of use, etc.
- Asset Type
- Commercial or large scale investment assets, could include multi-let industrial estates, office blocks, retail parks (subject to lease covenant and location)
- Borrower
- Corporate entities, property companies, experienced investors
- Security
- • First legal charge(s) on asset(s)
• Valuation and covenant review required (leases, tenant mix, location)
• Exit must be defined and feasible: e.g., refinance partner, asset repositioning, sale timeline
key features
Lending for commercial acquisitions, refinancing or unlocked development opportunities.
Flexible structures for complex transactions – from multi-let offices to refurbishment of existing commercial stock.
Dedicated London-based credit team focused solely on specialist property finance.
Streamlined process enabling fast execution without compromising on due diligence.
Why Choose Us?
At EC Lending, we believe that securing finance should be a catalyst for your property ambitions, not a hurdle. Because every transaction is unique, we reject the rigid, "tick-box" approach used by traditional lenders. Instead, we champion a human-led underwriting process that assesses the true potential of your project on its own merits.
Our priority is to deliver speed and certainty. Whether you are navigating a complex commercial repositioning or a time-sensitive residential purchase, we work alongside you to structure flexible capital solutions that fit your specific timeline. We are committed to stripping away unnecessary delays, allowing you to seize opportunities with confidence and precision.
OUR CASE STUDIES
VIEW OUR LATEST SUCCESSES
U.S. Resident Bridging Facility Secured Against Luxury Flat on The Strand
Overseas Investor Raising Funds on 3 Leasehold Properties
Overseas Investor Refinancing 10 Flats in One Block
Experienced Developer in Hertfordshire
UK Company, Overseas Investor Raising funds on 3 Unencumbered Properties
Refinance of a Buy-to-Let Flat in Chelsea
Discuss your next commercial project with us
