Guavas Finance UK - Leading Finance Services in UK for Small Business.
  • Invoice Finance Broker of the Year 2025

Finance the property. Keep the momentum.

Whether you're buying, refinancing, developing, or bridging, we compare commercial property finance options from 50+ UK lenders to find you the right deal.
  • Commercial mortgages from 4.5% APR
  • Bridging finance in as little as 7 days
  • No impact on your credit score
  • Up to 80% LTV on commercial properties
  • Fast decisions
  • No credit impact
  • Free & no obligation

As featured in

How Property Finance Works

From enquiry to completion

Get the equipment you need without paying upfront.
1

Tell us about the deal

Property type, value, what you need. Takes under 2 minutes.

2

We source the best terms

We approach lenders who specialise in your property type and deal structure.

3

Compare and choose

Review terms side by side. We explain the detail so you can decide with confidence.

4

Complete the deal

We manage the process through to drawdown. You focus on the property.

Which Type Is Right For You?

Commercial mortgage vs bridging finance

The right option depends on your timeline and what you're trying to achieve.
LONG TERM

Commercial Mortgage

A long-term loan secured against the property. Lower interest rates and longer terms make this the standard choice for buying or refinancing commercial premises.

✓ Terms from 5 to 25 years
✓ Rates from 4.5% APR
✓ Up to 80% LTV
✓ Owner-occupied and investment options
Best for: Buying premises for your business to occupy, or long-term investment property
SHORT-TERM

Bridging Finance

Short-term funding (typically 1-18 months) to bridge a gap — whether you're waiting for a sale, completing a refurbishment, or moving fast on an opportunity.

✓ Funds in as little as 7 days
✓ Terms from 1 to 18 months
✓ Up to 75% LTV (higher with additional security)
✓ Interest can be rolled up (no monthly payments)
Best for: Auction purchases, chain breaks, refurb projects, and opportunities that need fast action
Not sure? Talk to Akram

What We Finance

Every type of commercial property deal

From straightforward purchases to complex developments, we've arranged finance for it all.
Commercial Purchase
Offices, retail units, warehouses, industrial premises. Buy the property your business operates from or add to your portfolio.
  • Up to 80% LTV available
Get a Quote
Refurbishment
Light or heavy refurb finance to increase property value. Bridging loans cover the purchase and works in a single facility.
  • Funds released in stages
Get a Quote
Development Finance
Ground-up development and conversion projects. Staged drawdowns against build milestones, with exit via sale or refinance.
  • Up to 70% of GDV
Get a Quote
Refinance
Release equity from existing commercial property or switch to a better rate. Unlock capital without selling the asset.
  • Capital release within 4 weeks
Get a Quote
Or try the Asset Cost Calculator to see your monthly payments

Why Use a Broker for Property Finance

Benefits of invoice financing for UK businesses

Property deals are complex. A specialist broker simplifies the process and improves the outcome.
Access to specialist lenders
High street banks cover the basics. We access specialist property lenders who offer higher LTVs, flexible structures, and faster timelines.
Speed on time-sensitive deals
Auction purchases, chain breaks, and expiring exclusivity periods all need fast action. We know which lenders can move in days, not months.
Deal structuring expertise
The right structure can save you thousands. We advise on LTV, term, repayment type, and exit strategy to optimise your position.
Better rates through volume
We place significant volume with our lender panel. That gives us negotiating leverage that individual applicants don't have.
End-to-end support
From initial enquiry through to drawdown, we manage the process, liaise with solicitors and valuers, and keep everything on track.
100% free to you
Our fee is paid by the lender on completion. There's no cost to you for our advice, sourcing, or negotiation work.

Frequently Asked Questions

Property finance FAQ

Offices, retail units, warehouses, industrial buildings, hotels, care homes, mixed-use properties, land with planning, and development sites. If it has commercial value, we can likely arrange finance for it.

Most commercial mortgages require a 20-40% deposit (60-80% LTV). Bridging loans can go up to 75% LTV, or higher if you offer additional security. Development finance typically covers up to 70% of the gross development value (GDV).

Bridging finance can complete in as little as 7-14 days, depending on the complexity of the deal and how quickly valuations and legal work can be arranged. We know which lenders can move fastest and will match you accordingly.

Yes, and for investment properties, borrowing through an SPV (Special Purpose Vehicle) is often the most tax-efficient structure. We advise on the best entity structure for your situation and connect you with lenders who specialise in company borrowing.

Development finance funds ground-up construction and major refurbishment projects. It's drawn down in stages as the build progresses, with the lender releasing funds against completed milestones. Typically available up to 70% of GDV and 90% of build costs.

No. We use a soft search at the initial stage, which has no impact on your credit score and is invisible to other lenders. A hard search only happens when you formally apply to a specific lender, and we'll always get your permission first.

Client Stories

Property deals we've arranged

Every property deal is different. Here's how we've helped businesses like yours.
COMMERCIAL PURCHASE
★★★★★
"Guavas arranged a £1.2M commercial mortgage for our new warehouse at 1.5% below our bank's offer. Akram understood exactly what we needed."
DK
David Keane
Director, Keane Distribution Ltd
BRIDGING
★★★★★
"We won a property at auction and needed to complete in 21 days. Guavas found a bridging lender who funded in 10. Could not have done it without them."
RH
Rachel Hughes
Managing Partner, Hughes Property Group
DEVELOPMENT
★★★★★
"Akram arranged £2.4M development finance for an 8-unit conversion. The staged drawdown structure was exactly what we needed to manage cash flow through the build."
SM
Simon Marsh
Director, Marsh Developments

Ready to make your property deal happen?

Choose the option that fits where you are right now.
Download the Guide
Get our free PDF guide to invoice finance for UK SMEs. No obligation.
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Check Eligibility
Answer a few quick questions and get personalised quotes from 50+ lenders. Takes 60 seconds, no credit impact.
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Speak to a Specialist
Talk to Chris, our invoice finance expert. 15 minutes, no pressure, no obligation.
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