Commercial Finance
Secure bespoke commercial finance for real estate, hotels, and corporate projects. Structured through specialist lenders around your full financial profile, delivering speed, flexibility, and discretion for complex commercial property and corporate transactions.
Why High-Net-Worth Borrowers Choose Million Plus
Commercial finance is rarely straightforward. Standard lenders often cannot accommodate complex corporate structures, multi-property holdings, or cross-border assets. Million Plus Private Finance specialises in bespoke commercial finance for high-net-worth individuals and corporate investors, presenting full financial profiles to private banks and specialist commercial lenders.
We structure applications for property acquisitions, hotel projects, operational finance, and large-scale corporate initiatives. Interest-only and hybrid repayment options preserve liquidity while maintaining strategic capital allocation. Every loan is tailored to maximise borrowing potential, minimise administrative friction, and align with broader corporate, real estate, and investment strategies.
Our crypto and securities finance services include:
Real Estate Finance
Commercial property loans for offices, retail, mixed-use developments, and investment portfolios.
Hotel Finance
Acquisition, refinance, and development funding for boutique hotels, branded hospitality, and mixed-use schemes.
Estimate Your Commercial Loan
Use our interactive indicative calculator to explore borrowing potential, repayment structures, and indicative rates for bespoke commercial finance.
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Get Expert Guidance Today
Share your details and a senior adviser will contact you promptly by phone or email. Million Plus Private Finance advisers provide personalised guidance to structure commercial finance applications efficiently, ensuring discretion, speed, and competitive terms for high-net-worth clients and corporate investors.
How We Structure Your Commercial Finance
Comprehensive Financial Assessment
We review corporate financials, property portfolios, hotel investments, and international assets to understand your full financial position.
Strategic Lender Matching
Our team identifies private banks and specialist lenders experienced in high-value commercial finance, ensuring access to competitive rates and bespoke solutions.
Application Preparation
Lender-ready submissions include valuations, financial statements, and legal documentation to maximise approval potential.
Loan Structuring and Flexibility
Interest-only and hybrid repayment options preserve capital and optimise cashflow while supporting strategic corporate or property investment plans.
Completion and Ongoing Support
Million Plus coordinates valuations, legal documentation, and lender communication to ensure smooth, confidential processing. Every financing solution is bespoke, aligned with the client’s portfolio, corporate strategy, and long-term growth objectives.
case studies
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Comprehensive Support for Commercial Lending
Commercial finance requires specialist expertise, disciplined structuring, and direct access to lenders capable of supporting complex, high-value transactions. Million Plus Private Finance works with high-net-worth individuals and corporate investors to deliver bespoke commercial lending solutions aligned with long-term strategic objectives.
We assess corporate financials, operating income, property portfolios, and international assets to build a complete picture of each client’s financial position. This holistic approach allows us to structure commercial facilities that support acquisitions, hotel developments, portfolio expansion, and strategic corporate projects, while preserving liquidity and capital efficiency.
Facilities can be structured through SPVs, operating companies, or group holding structures, depending on tax efficiency, jurisdiction, and lender requirements. Where appropriate, multi-property or multi-asset lending solutions can be combined into a single facility to maximise borrowing potential and streamline administration. Interest-only and hybrid repayment structures are frequently used to optimise cashflow while maintaining flexibility throughout the loan term.
End-to-End Transaction Management
Million Plus manages the full lending process, including valuations, lender submissions, and legal coordination, ensuring a seamless and confidential experience. We actively monitor market conditions, lender appetite, and project timelines to secure competitive terms and bespoke repayment structures suited to each transaction.
Personalised Client Service
Clients benefit from strategic guidance, discretion, and access to private banks and specialist lenders experienced in high-value commercial finance. Every solution is tailored to support corporate growth, portfolio expansion, and complex property investment strategies. With Million Plus Private Finance, commercial finance is structured to move at pace, adapt to complexity, and deliver flexible funding beyond conventional commercial lending constraints.
frequently asked questions
Mortgage Questions Answered
What is commercial finance?
Commercial finance is funding used for commercial property, hotels, and corporate projects. It supports acquisitions, refinancing, development, and business operations. Commercial finance is usually assessed on asset quality, cashflow, and overall financial strength rather than personal income alone.
What types of commercial projects can be financed?
Commercial finance can be used for offices, retail units, industrial property, mixed-use developments, hotels, and commercial portfolios. Funding may support purchases, redevelopment, refinancing, or expansion projects, including multi-property transactions.
How is commercial finance assessed for high-net-worth borrowers?
Commercial finance for high-net-worth borrowers is assessed holistically. Lenders consider asset values, rental or operating income, corporate financials, liquidity, and wider portfolios, including international assets where relevant.
What loan-to-value ratios are available for commercial finance?
Commercial loan-to-value ratios typically range from 60% to 75%. Higher leverage may be available for prime assets, strong income profiles, or portfolio-backed transactions, subject to lender criteria.
Are interest-only or hybrid repayment options available?
Yes. Interest-only and hybrid repayment options are common in commercial finance and are used to manage cashflow, preserve working capital, and align repayments with investment or development timelines.
Can commercial finance be arranged for complex ownership structures?
Yes. Commercial finance can be structured for SPVs, operating companies, and group holding structures, provided transparency and cashflow are clearly evidenced.
Is commercial finance available for international or cross-border assets?
Yes. Commercial finance may be available for overseas or cross-border assets, depending on jurisdiction, asset type, and lender appetite.
How quickly can commercial finance complete?
Some commercial finance transactions can complete within days, while more complex deals typically complete within several weeks, depending on due diligence and documentation.
exclusive marketplace
Luxury Real Estate
Finance Without Limits
From real estate acquisitions to hotel developments, Million Plus Private Finance arranges and structures bespoke commercial finance for complex, high-value transactions. Through direct access to private banks and specialist commercial lenders, we design tailored funding solutions with flexible repayment structures that support liquidity, portfolio growth, and long-term investment strategy for high-net-worth clients and corporate investors.
