Welsh Government

Commercial Property Loans

Short-term flexible funding that's ideal for small and medium-sized developers looking to finance commercial projects in Wales.

What sets us apart

Propco Lamby Way - exterior shot of building
£55m

of funds to support commercial property projects in Wales.

  • Finance for up to 100% of building costs
  • Interest allowed to roll-up throughout the loan term
  • Grant funding may be available alongside repayable commercial property loans
  • Quick decision making from a dedicated property team
  • A single point of contact to help you navigate the entire process
  • In 2022, we invested over £7m into seven developments for 126,729sqft of commercial space

Tailored funding for commercial property developers

Because of the unique way we're funded, we can offer a range of commercial property finance with straightforward borrowing criteria:

  • Loans from £250,000 to £5 million
  • Loan terms of up to five years
  • Grant funding may be available alongside our repayable loans. 
  • Speculative and non-speculative schemes (with or without pre-lets/pre-sales)

To apply for a commercial property loan, you’ll need to provide:

  • Address of the property you plan to develop
  • Summary of your development plans and projected costs
  • Details of any pre-lets and/or pre-sales
  • Breakdown of the estimated Rental Income and Gross Development Value of the project once completed
  • Summary of previous development experience for key individuals involved

To help support viability gaps on qualifying schemes, grant funding may be available alongside a repayable commercial property loan. Get in touch with our property team to find out more.

Because of the unique way we're funded, we can offer a range of commercial property finance with straightforward borrowing criteria:

  • Loans from £250,000 to £5 million
  • Loan terms of up to five years
  • Grant funding may be available alongside our repayable loans. 
  • Speculative and non-speculative schemes (with or without pre-lets/pre-sales)

To apply for a commercial property loan, you’ll need to provide:

  • Address of the property you plan to develop
  • Summary of your development plans and projected costs
  • Details of any pre-lets and/or pre-sales
  • Breakdown of the estimated Rental Income and Gross Development Value of the project once completed
  • Summary of previous development experience for key individuals involved

To help support viability gaps on qualifying schemes, grant funding may be available alongside a repayable commercial property loan. Get in touch with our property team to find out more.

How to apply for a commercial property loan

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Step 1

Contact our property team to discuss your project

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Step 2

Together we'll discuss your requirements and next steps.

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Step 3

We'll send you a link to apply for your loan

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Step 4

Detailed review of your proposals undertaken, due diligence and credit sanctioning process begins