Advice you
can trust.

Commercial mortgages, bridging loans, development finance, and property investment funding. With access to over 100 lenders, we have the expertise to find you the right solution.

Get in Touch Our Services

Commercial mortgage advice is offered as part of Commercial Finance Brokers UK Ltd. Openwork Limited accept no responsibility for this aspect of our business. Mason Smalley Ltd is an appointed representative of Commercial Finance Brokers UK Ltd which is authorised and regulated by the Financial Conduct Authority.

What We Do

Commercial Finance

We can help with all types of commercial lending, from portfolio lending and development finance to trading businesses, SSAS, and everything in between.

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Owner-Occupier Business Mortgages

We source funding for businesses that own or plan to buy premises they will occupy and trade from. We can also arrange refinancing of existing commercial mortgages.

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Property Investment Mortgages

For companies or individuals looking to invest in commercial property or mixed-use premises such as flats above shops, retail units, factories, or blocks of flats.

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Short-Term Bridging Loans

Short-term finance to raise funds quickly, normally repaid from sale or refinance. Especially useful when you need to complete a purchase fast, such as at auction.

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Property Development Finance

Finance for all residential developments - from ground-up builds and commercial-to-residential conversions to refurbishment projects and light refurbishment bridging loans.

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We understand the complexities of commercial borrowing and that no two deals are the same. We spend time finding out what our clients' objectives are in the short, medium, and long term. This helps us approach the right lenders who are able to meet these objectives whilst obtaining the most competitive terms.
James Mason, Director & Head of Commercial
Our People

Meet the Team

James Mason

James Mason

Director & Head of Commercial
james@masonsmalley.com
07403 225 015
Daniel Smalley

Daniel Smalley

Director & Head of Residential
daniel@masonsmalley.com
07411 223 955
Getting Started

Ready to discuss your
commercial finance needs?

Get in touch with our commercial team to arrange a meeting. We'll take the time to understand your objectives and find the right solution.

Arrange a Meeting Call Us
0116 456 0012

commercial@masonsmalley.com

Common Questions

Frequently Asked Questions

Answers to frequently asked questions about commercial finance.

What types of commercial finance do you arrange? +

We arrange a wide range of commercial finance including owner-occupier business mortgages, commercial investment mortgages, short-term bridging loans, property development finance, SSAS lending, and portfolio refinancing. No two deals are the same, and we work with an extensive panel of lenders to find the right solution.

How long does commercial finance take to arrange? +

Timescales vary depending on the type and complexity of the finance. Bridging loans can complete in as little as a few days in straightforward cases. Commercial mortgages typically take 6–12 weeks from application to completion. We'll give you a realistic timeline at the outset once we understand your requirements.

What is the difference between a bridging loan and a commercial mortgage? +

A bridging loan is short-term finance, typically used to complete a purchase quickly or while longer-term funding is arranged. It's repaid from the sale of an asset or refinancing. A commercial mortgage is longer-term lending secured against a commercial property, typically repaid over 5–25 years through regular repayments.

Do you work with limited companies and SPVs? +

Yes. We regularly arrange commercial finance for limited companies, special purpose vehicles (SPVs), LLPs, and individual investors. Many of our lenders are comfortable with complex ownership structures, and we'll identify the right lenders for your specific entity type.

Is commercial finance regulated by the FCA? +

Most commercial finance is not regulated by the Financial Conduct Authority. However, some bridging loans and certain types of buy-to-let mortgages may be regulated depending on the circumstances. We'll always clarify the regulatory status of any product we recommend before you proceed.