Mortgage Insurance Calculators About How it Works
   Back | How it Works
Securing an excellent mortgage offer with Revolution Finance Brokers couldn't be easier
1Get in Touch
Complete a quick form to give us an overview of your mortgage or financing requirements, and we'll provide recommendations about the best opportunities for you.
2Submit Your Application
Once you've chosen your preferred mortgage deal, we'll steer you through the paperwork with comprehensive application management from start to finish.
3Mortgage Completion
Revolution Finance Brokers will finalise the details and enable you to move forward without delay!
   Back | About
   Back | Insurance
   Back | Calculators
   Back | Your Mortgage Position
Your Mortgage Position
Bad Credit
Buy to Let
Development Finance
Self Employed
Mortgage for professionals
Equity Release
Expat mortgages
Interest Only
Mortgage Affordability
Mortgage Application
Income Types
Residential Mortgages
Commercial Mortgages
Property Types
First Time Buyers
Mortgage Declined
Offset Mortgage
   Back|Bad Credit
   Back|Buy to Let
   Back|Self Employed
   Back|Equity Release
   Back|Expat Mortgage
   Back|Interest Only
   Back|Income Types
   Back|Property Types
   Back|Offset Mortgage
   Back|Other Mortgages

Commercial Mortgages with Bad Credit

How can you get a great commercial mortgage if the business, owners, or directors have an adverse credit history? Here we explain how to mitigate bad credit issues and get your loan approved.

Discover What Our Customers

Have to Say!
Discover What Our Customers

Property or loan details

Error: Property must be valued at £50,000 or more.

Error: Estimated rental income must be between £1 and £99,999.

Based on your details, you can borrow up to:


This calculator is an estimation of how much you could borrow. If you’re ready to take out a mortgage, speak to a Revolution brokers to see what options are available.

Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

Almas Uddin2023-05-09
twitter  linkedin  

Commercial Mortgages with Bad Credit

Businesses often assume that because they have bad credit, it will be impossible to secure a commercial mortgage. The Revolution team also receives regular enquiries from companies who have been turned down for mortgage finance and hadn't realised that a minor credit issue was going to cause such a problem.

Here we explain the ins and outs of bad credit commercial lending, and why working with an experienced broker is key to finding the mortgage lending you need.

For more help and advice, contact the mortgage brokers team on 0330 304 3040 or via email on [email protected].

Can My Business Get a Commercial Mortgage with a Bad Credit History?

Contrary to popular belief, yes you can - and the right lender all depends on whether the business itself has had issues, or whether the business owner or directors have experienced the adverse credit.

The commercial mortgage market is enormous, and multiple specialist lenders can offer lending on terms that are adapted to your circumstances.

As a whole-of-market broker, Revolution Brokers can recommend any lender and any product in the UK, so there is always an option!

Why Revolution Brokers?

Whole of market brokers Whole of market brokers

Mortgage that suits you Mortgage that suits you

On time customer support On time customer support

Is it Possible to Get a Commercial Mortgage if my Credit File Shows Defaults?

A default isn't as severe as bankruptcy, for example, but it can mean that a mainstream lender will automatically refuse your application.

If your default was within the past year, it narrows the number of lenders to apply to, but there are still specialist lenders who can help.

The longer ago your credit issues, the easier it is to find competitive lending. We can also offer advice about ways to make a bad credit commercial mortgage application more attractive and lower risk for lenders.

Are There Business Mortgages for Applicants with Repossession on their File?

While repossession is severe, you can find commercial mortgage lenders who will take a case-by-case view on whether to approve your application.

If the repossession was in the last year, it is vital to consult an expert bad credit broker who can negotiate terms with a lender.

How Can I Get a Commercial Mortgage with a Low Credit Score?

In many cases, commercial lenders aren't concerned with a credit score as such but will be more interested in whether adverse credit issues are showing on your file.

Commercial lending is more flexible than in residential mortgages, so there is always room to negotiate and leverage business performance to mitigate the risk of a bad credit scenario.

How Can I Get a Commercial Mortgage if I Have Bad Credit?

The best option is always to work with a professional, independent broker who can evaluate all other lending criteria as well as the bad credit issues to work out which lenders are best placed to approve your lending.

For example, you might be able to offer a larger deposit, or additional security, which will reduce the risk and ensure that you comply with the eligibility requirements of a specialist bad credit lender.

What are the Other Important Eligibility Factors In Addition to a Credit Check?

Credit checks are one of many assessments that a commercial mortgage provider will carry out. So if you have bad credit but can meet every other criterion, you have a much better chance of negotiating competitive rates.

  • Business profits - lenders will want to check your operating profit levels and ensure that the company can afford to keep up with the mortgage repayments.
  • Deposit - the higher the deposit, the lower the risk. Most commercial mortgages require between 20% and 40% as a deposit, but you can always offer a higher deposit or additional security.
  • Trading history - the longer you have been trading, and the stronger your industry experience, the better your application will be.
  • Business projections - if you can demonstrate viable business plans and forecasts, this may offset any concerns raised around bad credit issues.

Which Broker Can Help Me Find a Commercial Bad Credit Mortgage?

Brokers are essential in this scenario, as it can be impossible for a business to know which lender to apply to, or understand where the best rates are available.

Dealing directly with lenders can also be damaging, as if you apply to a lender whose criteria the business doesn't meet, they may still run hard credit checks. These appear on your credit file and can be detrimental to your credit score, even if the lender running the checks rejects your application.

Give the Revolution Brokers team a call if you need to find a commercial mortgage in a bad credit scenario.

What Does a Non-Status Commercial Lender Mean in Mortgages?

This sort of lending should be a last resort and not a viable alternative to a reputable lender recommended by your broker.

Non-status commercial mortgages are offered to businesses unable to meet the requirements of a mainstream lender. However, this product is FCA regulated and has been clamped down on, so are few and far between.

Our advice is always to consult an expert before going ahead with a non-status commercial mortgage as there are very likely to be more competitive products available.

Professional UK Support with Bad Credit Business Mortgages

If you've struggled to find commercial mortgage lending, or are concerned about the impact of bad credit on your application, give us a call.

The Revolution team are bad credit experts and will ensure that you get the best deals on the market. Get in touch at 0330 304 3040 or via email at [email protected].

Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

twitter  linkedin  

Further Reading

Explore Explore Our Presence Our Presence

Explore Explore Our Presence Our Presence

Securing an excellent mortgage offer with Revolution Finance
Brokers couldn't be easier:

Revolution Mortgage Brokers:100% 100%
Independent & Whole-of-Market

As specialist mortgage brokers for a huge variety of applicants, the whole-of-market consultants at Revolution provide access to an exceptional range of lenders, products and mortgage deals. That means you get the advantage of professional negotiation and broker-exclusives through an established lending network to ensure we always find you the most competitive mortgage available.

Refer, Relax

andget £50get £50
We are proud
members of the:
Refer, Relax

FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

Ask the Expert
Mortgage Brokers

Revolution Brokers
What can we help you with today?
Do you have a particular timescale in mind?
Which situation from the below list best matches your requirements? *
Could you tell us the market value of the property?*
Please let us know a rough idea of your yearly income (before tax) for all applicants? *
Primary applicant name *
Contact email address *
Best contact number *