Commercial property finance for your plans
Whether you are buying premises for your own business or considering a commercial investment, we help you explore the borrowing options and understand the information needed to proceed.
Premises for your business
If you are buying premises for a pharmacy, dental practice or another business, tell us how the property purchase fits with your operating plans. We can consider the property borrowing alongside any other finance involved.
Investment purchases and refinancing
For an investment, we discuss the property, tenancy arrangements and available financial information. For refinancing, we also consider the existing facility and any costs or conditions associated with replacing it.
Buying commercial property at auction
Auction purchases move to a fixed timetable, so it pays to explore your funding before you bid. At Cogent Finance, we understand how time-critical auctions can be. We help prospective buyers understand the funding process, the information lenders need and the practical steps to prepare for completion.
Share the auction particulars, legal pack, guide price, available deposit and completion deadline with us as early as possible. We can explore whether a commercial mortgage or short-term bridging finance may suit the purchase, taking account of the property, your circumstances and the time available.
If short-term finance is being considered, a credible repayment plan is essential—for example, refinancing or selling the property. Ask your solicitor to review the legal pack and auction conditions before bidding. An initial finance indication is not a guarantee that funds will be available by the deadline.
Prepare for the conversation
Useful information includes the property address, purchase price or estimated value, intended use, details of leases where relevant, your available contribution and existing borrowing. We will help identify the information required by suitable lenders.
How much can I borrow?
The amount depends on the property, the borrowing proposal, your circumstances and lender assessment. We do not quote a universal loan-to-value figure for every application.
Can I repay early?
The terms of the specific loan determine whether charges or restrictions apply. We help you understand these when comparing an offer.
Can you help with mixed-use premises?
Tell us about both the commercial and residential elements. We will assess whether the transaction falls within the finance we arrange and which lenders may consider it.
Discuss your property plans
Request a callback. Finance is subject to status and lender criteria. Property or other assets offered as security may be at risk if repayments are not maintained.
Cogent Finance
Finance for independent pharmacy and dental practice owners.
Let’s discuss your next step
We are a credit broker not a lender. Cogent Finance is a trading style of Cogent Finance Limited, registered at 9 Freetrade House, Lowther Road, Stanmore, HA7 1EP. Company Register number is 08858716. Cogent Finance Limited is Authorised and Regulated by the Financial Conduct Authority. Our FCA registration number is 727183. You can check via www.register.fca.org. We are registered with the ICO, ZA101760 and you can check via www.ico.org.uk. We conduct unregulated business only and therefore not all products provided through us are regulated by the Financial Conduct Authority. We source finance from the whole of market. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.
Cogent Finance Ltd is a member of the National Association of Commercial Finance Brokers (NACFB).
Approver Cogent Finance September 2026