Commercial Loans

From £10,000–£500,000

Optimise Finance provides tailored commercial loans quickly, with clear terms and flexible repayment options to support your business growth and investment needs.

Fixed interest rates
Loans for limited companies
Flexible terms from 36 to 300 months
Options for complex incomes and credit issues

Check My Eligibility

This will not affect your credit score

Two women speaking with someone at a table.

Commercial Loans to Buy Property

If you want to own your offices, factory, or business premises instead of renting, a commercial mortgage can help. We also support property investors and buy-to-let landlords, whether you’re acquiring your first rental property or expanding an existing portfolio.

You can:

Use a commercial mortgage to buy or refurbish premises

Secure finance quickly for market opportunities or auction purchases

Arrange a second mortgage on an existing property to fund further acquisitions

Our advisors will guide you through the process and source the best commercial lending options for your circumstances.

Loan amounts and terms

Commercial loans are available from £10,000 to £500,000, in increments of £1,000. Terms are flexible, ranging from 36 months up to 300 months, allowing you to structure repayments around your business needs.

Our advisors will help you decide:

How much you need to borrow
The most suitable repayment term
Whether a fixed or variable interest rate works best

Commercial Loans for Buy-to-Let

Struggling to fund your next buy-to-let property? We can arrange a second mortgage on your existing property, giving you the cash to make a competitive offer or fund renovations. Whether it’s your first property or an additional investment, we help you access the funding needed to grow your portfolio.

How it works

Step 1

Quick online application

Tell us about your business, goals, and borrowing needs

Step 2

Personalised review

We assess your application, compare suitable commercial loans, and negotiate with lenders to secure competitive terms

Step 3

Receive your funding

Approved loans are typically released quickly, allowing you to move forward with your business plans

Get Started

This will not affect your credit score

Customer Review

I was amazed at how swiftly the whole process was from start to finish. I thought it was so reassuring to have a member of staff take me through the process.

Ms OL Musisi

Why choose Optimise Finance?

All of our commercial loans are provided by UK lenders, giving you peace of mind and local support. You’ll work with a dedicated, qualified UK advisor throughout the process, ensuring a smooth experience and expert guidance.

Experienced advisors

Our specialists hold qualifications to source commercial funding tailored to your circumstances.

Wide lender access

We explore a broad panel, including high-street names and specialist commercial lenders, to find suitable solutions.

End-to-end support

We handle the process and paperwork, keeping it simple, clear, and hassle-free.

More about us

Other services

Young woman sitting on a couch with her phone.

Homeowner Loans

Bring plans forward with our exclusive homeowner loans. Use them for home improvements, debt consolidation, and more.

More about Homeowner Loans

Debt Consolidation

A Debt Consolidation loan can simplify your finances by combining several payments into one. This can often create more breathing space each month, provide a clearer path forward, and even reduce monthly payments.

More about Debt Consolidation

Home Improvements

A secured home improvement loan allows you to invest in your property—whether you’re updating your kitchen, adding space, or simply making your home work better for you and your loved ones.

More about Home Improvements