In past, it tended to be only larger organisations with a proven track record who could obtain commercial mortgages. A large number of younger/smaller businesses were unable to obtain this type of commercial finance and, as a result, many businesses have been forced to rely on expensive short term finance or left to use their owners' residential property as security.

Fortunately, this gap in market is now being targeted by specialist commercial lenders who are willing to serve commercial mortgage needs of SMEs and owner-managed businesses.

The problem

In past, it has been difficult for small business borrowers, self-employed traders, and partnerships to raise commercial mortgage finance. This is because:

• Institutional lenders have focused on larger, corporate lending secured on tenant covenant of investment properties. This sector is seen as being low risk and so has become a favourite of many traditional lenders.
• The lending criteria of many mainstream commercial lenders disqualify applicants who do not have three years' audited account, those without business plans, or those with a less than perfect credit history. As UK workforce migrates more towards self-employment, greater flexibility is required from lenders to assess each case on its individual merits. Until recently, this flexibility has been hard to find. Similarly, in past, requirement for three years' accounts has been a barrier to new or young businesses.

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