Every lender will consider the risk factor before making an offer.

Risk is assessed according to your specific circumstances, including factors such as:

• Your credit score and credit history. If you have bad credit, a higher deposit will be required. In many cases, the best option is to apply to a specialist bad credit commercial lender.
• Your experience and trading history. The longer you have been trading, the lower the risk, so having two or three years of experience is positive. There are niche lenders who specialise in start-ups and new businesses, but will usually require additional security where the deposit value isn't high.
• Your affordability assessment. Lenders will look at the business profits, tax obligations and earnings to determine whether the company is sufficiently profitable to generate the funds required to keep up to date with the mortgage repayments.

100% LTV commercial mortgages do exist, but this is a specialist product, so you are strongly advised to consult a professional brokerage team.

You will need some form of security with enough equity to act in place of a deposit.

Remember that any security offered is at risk of repossession if you do not keep up to date with your repayments.