Commercial Property Finance | Commercial Investment Property Funding | West Yorkshire | Kinloch Commercial Finance

Commercial Property Finance

Kinloch has been involved in Commercial property funding and Joint Venture schemes for many years. We pride ourselves on our detailed knowledge of the Commercial Property market. We are able to source funding for commercial properties in the UK and also arrange equity investment into property transactions when required from our wide range of contacts. From time to time Kinloch will invest its own funds alongside other investors as part of a syndicate.

Kinloch specialises in arranging funding for the following sectors :

Commercial Owner Occupied Funding

This lending is designed for companies , partnerships or individuals purchasing / refinancing a property as business premises. Types of property include industrial units , warehouses , factories , offices , retail units , workshops , supermarkets , general stores , business centres and pharmacies.

Commercial Investment Property Funding

The property is generally an office building , industrial unit or retail unit let out on a long term lease to tenants. Lenders generally require the lease to have at least 7 years to run but in certain circumstances will consider a shorter period subject to the quality of the tenant. Lenders expect the rental income to cover the financing costs on a cashflow basis and we can consider purchase / refinance deals. We are able to arrange equity investment into certain situations where the purchaser of a quality investment property requires more deposit input than they have available.

Property Development Funding

Funding can be arranged for both commercial development schemes ( offices , factories etc ) and residential development schemes ( flats , houses , specialist conversions etc ) . The achieve quality funding the applicants must demonstrate a good track record in previous development schemes. We are able to arrange Joint Venture partners on development schemes where needed.

Healthcare Funding

In recent years there has been a trend towards larger corporate ownership in the care and nursing home sector. Funding is generally easier if the property has 30 plus beds and conforms to all the present standards. Whilst we can help with funding smaller homes the interest rate charged is generally higher than that available to homes with in excess of 30 beds. We are also able to assist with funding private hospitals , clinics , health centres , pharmacies along with doctors / dentists practices.

Leisure Funding

Good quality hotels , country and town centre pubs , restaurants , golf clubs , leisure centres , spa venues , sports centres , holiday parks , theme parks , theatres and cinemas.

To achieve the most competitive funding deals we would expect to see at least 2 − 3 years trading accounts for the business requiring funding . On all types of commercial property funding we can consider both purchase and refinancing. All commercial lending is subject to status and subject to valuation by the provider of the funds.

The team at Kinloch have very strong funding connections with the majority of UK and European banks in Leeds , Manchester and the City of London. We can open doors to achieve funding for our clients through our long standing connections and ability to produce banking documentation of a high quality.