Commercial Mortgages

Are you looking to purchase a property for your business? Are you an experienced investor, or first time buyer looking to get into the property market? Have you been declined by the banks due to previous credit issues or your financials are not current? At DCANS Capital, we are the experts in providing direct commercial funding solutions for those deals that fall outside the traditional guidelines. We understand the complexities and requirements for a commercial loan application.

A common misconception amongst buyers is that commercial mortgages are only for the purchase of a commercial property, such as a business premise. The commercial part actually applies to you, the buyer. Loan purpose can also encompass: Asset Lend, Distressed assets, Major arrears, Mortgagee in possession and in Receivership. If your client is buying or remortgaging Commercial property we can help. Most property types are considered.

While residential mortgages often feel like a tick box exercise, commercial mortgages are often based on the financial viability of the project, alongside the buyers ability to manage the payments. So even if you have no experience in the property market, we’re still able to directly lend, with a property manager condition.


Product details and criteria


England and Wales



Up to 75%, based on lower of vacant possession value (VP), investment value or purchase price



2-30 years


Interest-Only (I/O) Option:

Normal rates apply if I/O period is 10 years or less. If I/O period exceeds 10 years, 0.5% rate increase applies.


Minimum Debt Service Coverage (DSCR):

DSCR will apply based on 5%, or the initial pay rate, whichever is higher. Investment: 125%

Owner occupier: Asset 110% (Market Rent), Borrower 125% (Net profit/EBITDA).


Eligible Applicants:

Individuals, Limited Companies, LLPs, Partnerships, Trusts and Pension Schemes.


Excluded Property Types:

The following properties are excluded – Heavy industrial, petrol stations, religious property, hostels, bedsits, equestrian centres, public houses, agricultural properties, catteries, kennels, golf clubs, hospitals, mobile home parks, garden centres, telecommunication masts and all other uses within Classes A4, C2, C2A and D2 of the T & CP Use classes Order 1987, or those properties listed as Sui-Generis.


Sector Experience:

Standard: Minimum 2 years relevant sector experience


Credit History:

Good credit history is required – at least 2 years with no adverse credit.


Arrangement Fee/Booking Fee:

• 1.50% Arrangement Fee

• 0.25% of the Arrangement Fee, known as the Booking Fee, is payable on acceptance of the Formal Offer and is non-refundable.

• The balance of the Arrangement Fee can be added to the loan (without increasing the interest rate banding) or can be deducted from the advance.

• Arrangement fee reduces by 0.25% for applicants with a clear 6 month DCANS Capital payment history.


Early Repayment Charge (ERC):




Any property used as security, which may include your home and/or business assets may be repossessed if you do not keep up repayments on your loan, or any other debts secured on it.

Useful Information

The FCA does not regulate some forms of buy to lets, commercial mortgages, secured loans, unsecured loans, bridging loans, trusts, agricultural loans, overseas mortgages, and conveyancing or debt management. Our lending to limited companies, incorporated partnerships and unincorporated partnerships of three or more is not regulated by the FCA.
Not being regulated by the FCA means that we can make our own lending decisions (incl creative credit options). All loan agreements are still subject to UK Laws and UK Courts.
Kindly read all our Terms and Conditions (T&Cs) carefully before you sign any Loan Agreement. If you do not understand our loan contract terms & conditions, invest in the services of a solicitor before you sign.
Your use of this website and/or services constitutes acceptance of our T&Cs.
If you disagree with our T&Cs and How We Operate, please don't use our lending services.

Before You Apply

You should not apply for a loan amount that you cannot comfortably afford to repay now and in the future to avoid the possibility of legal action.
It is an offence to knowingly give false, inaccurate or misleading information when applying for a loan. If you give such information, you may face criminal prosecution and/or civil action for the recovery of any losses incurred by us.
Any property used as security, which may include your home or pensions and/or business assets, may be repossessed if you do not keep up repayments on a loan or any other debts secured on it. | Our Repayment Assistance Programme is, however, available to qualified borrowers only.
Note: As part of our KYC and anti-fraud checks, you cannot email us from any of the free mail providers accounts as a business, including but not limited to gmail, hotmail, or yahoo. You are advised to send us an email from the email of your business or company website. If you are borrowing as a business and you don't have a website, we can't deal with you. Learn more.