Commercial Finance

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At ZigZag Financial, we specialise in sourcing flexible and competitive commercial finance solutions for businesses, landlords, and investors across the UK. Whether you're purchasing premises, expanding operations, refinancing debt, or investing in commercial property, our expert brokers are here to help.

With direct access to high-street lenders, challenger banks, and private funders, we tailor finance packages that suit your needs, structure, and ambitions.

What Is Commercial Finance?

Commercial finance encompasses a broad range of funding solutions for business purposes. It can be used to acquire or refinance commercial properties, inject working capital, fund growth, or assist with management buyouts.

From limited companies and sole traders to partnerships and SPVs, ZigZag Financial delivers practical, results-driven support to secure the capital you need.

Our Commercial Finance Solutions

We help clients secure finance for a wide range of purposes:

🏢 Commercial Mortgages

Ideal for purchasing or refinancing offices, warehouses, retail spaces, industrial units, or mixed-use buildings. Both owner-occupier and investment options available.

🔄 Refinancing & Capital Raising

Unlock equity from existing assets to reinvest, manage debt, or improve liquidity.

📈 Business Expansion Finance

Secure funding for growth, acquisitions, new locations, or equipment purchases.

👥 Buy-to-Let & HMO Portfolios

Structured lending for landlords growing or refinancing property portfolios.

🔁 Bridging & Short-Term Loans

For time-sensitive opportunities such as auctions or property repositioning.

Key Features of Commercial Finance

• Loan Sizes: From £50,000 to £25 million+
• Loan Terms: 1 to 25 years (dependent on product)
• Loan-to-Value (LTV): Up to 75% (higher with additional security)
• Repayment Options: Capital & interest or interest-only
• Ownership Structures: Lending to individuals, limited companies, LLPs, and SPVs
• Rates: Competitive, with fixed or variable options available

Why Choose ZigZag Financial?

At ZigZag Financial, we do more than match you with lenders—we work as your strategic finance partner. Our commercial clients trust us to:

✅ Access the whole lending market – from high street to niche specialists
✅ Structure funding for both simple and complex deals
✅ Deliver transparent, personalised advice
✅ Act fast, with efficient turnaround times
✅ Provide ongoing support through every stage

Whether you’re purchasing your first commercial asset or managing a diverse property portfolio, our tailored approach ensures you get the right funding with minimum stress.

Frequently Asked Questions

Do I need a deposit for a commercial mortgage?
Yes. Most lenders require 25–35% deposit or equity, depending on the risk and type of asset.

Can I get commercial finance through a limited company?
Absolutely. Many of our clients borrow through Ltd companies or SPVs, especially for investment purposes.

What sectors do you work with?
We arrange finance for retail, industrial, hospitality, healthcare, professional services, and more.

How long does it take to secure funding?
Terms can be agreed in as little as 48 hours. Completion times vary depending on complexity but typically range from 2 to 6 weeks.

Let’s Talk About Your Next Move

If you’re exploring commercial finance, speak to a broker who understands the market and is committed to your success.

ZigZag Financial – Commercial finance, done differently.