What’s the difference between owner-occupied and investment commercial finance?

Owner-occupied borrowing is mainly supported by the trading business. Investment borrowing is assessed on the property, the lease and the rental income. Some cases have elements of both.

Can semi-commercial property be considered?

Often, yes. The residential and commercial split, current use, tenancies, valuation and borrower structure decide which lenders are relevant.

Why do commercial cases take longer?

Lenders may need business accounts, leases, a specialist valuation and more legal due diligence. A complete first submission brings those requirements out early.

How do I refer a commercial case to Charles Frank?

Register for portal access, then submit the deal through the portal. A specialist is notified on submission and you track the case through to completion.

Commercial finance for introducers

Commercial finance for introducers.

Owner-occupied premises, investment property and mixed-use assets, placed by specialists who read the business and the property together. Submit the case once and follow it in your portal through to completion.

Book a demo →

FCA authorisedSpecialist lender panelLending since 2011

What we need to look at a commercial case

Property, proposed use and purchase price or value
Amount needed, deposit or equity and where it comes from
Trading accounts, or the lease and rental income
Borrower and ownership structure, including connected companies
Existing borrowing and any property schedule
The deadline and any specialist valuation or legal points

Send it through your portal once you’re registered. A specialist is notified on submission.

Commercial finance for introducers

When commercial finance fits

Owner-occupied premises

A trading business is buying, refinancing or raising funds against the property it occupies.

Commercial investment

Rental income, lease strength and tenant profile support the borrowing.

Semi-commercial property

Mixed residential and commercial use needs a lender comfortable with both parts of the asset.

A non-standard transaction

Borrower structure, property use, trading history or timing falls outside a simple mainstream process.

Assessment

What we look at

Property and valuation: Use, condition, location, tenure, demand and the right valuation method.
Income strength: Sustainable trading cash flow or rental income that services the debt.
Borrower structure: The trading entity, property company, directors, ownership and guarantees, taken together.
Contribution and leverage: Deposit or equity against the whole transaction and the lender’s view of the risk.

How it works with Charles Frank

01
Submit it
Send the deal through your portal by photo, document, voice or the form: the property, the business, the funds needed and the deadline.
02
We pick it up
A Charles Frank specialist is notified on submission and comes back to you with what lenders will need next.
03
Track it
Valuation, accounts, underwriting and legal progress stay visible in your portal through to completion and commission paid.

See how capture works →

Same day

acknowledgement

4 hours

to assessment

48 working hours

to commission after completion

Protected

your client relationship

We only advise on what you refer, and we never cross-sell. Your client stays yours.

Introducer questions

Commercial finance: introducer questions

What’s the difference between owner-occupied and investment commercial finance?: Owner-occupied borrowing is mainly supported by the trading business. Investment borrowing is assessed on the property, the lease and the rental income. Some cases have elements of both.
Can semi-commercial property be considered?: Often, yes. The residential and commercial split, current use, tenancies, valuation and borrower structure decide which lenders are relevant.
Why do commercial cases take longer?: Lenders may need business accounts, leases, a specialist valuation and more legal due diligence. A complete first submission brings those requirements out early.
How do I refer a commercial case to Charles Frank?: Register for portal access, then submit the deal through the portal. A specialist is notified on submission and you track the case through to completion.

Your next commercial case, submitted once and tracked to completion.

We only advise on what you refer, and we never cross-sell to your client. Register for portal access, or talk it through with Samantha Turner first.

Call 029 2167 0142 →

Most commercial mortgages are not regulated by the Financial Conduct Authority.

Charles Frank Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN 624668). Registered in England & Wales, company no. 07791769. Registered office: 89 Cardiff Road, Taffs Well, Cardiff CF15 7PL. ICO registration Z2962200. This page is intended for FCA‑authorised intermediaries and professional introducers, not retail clients.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.