Now serving clients across Europe, the Middle East, Asia, North America, and OceaniaFunding via our corresponding partner financial institutionsAverage closing time: 18 days, 4 hours faster than industry average
The Commercial Lender Ltd logoThe Commercial Lender LTDEST. 2014 · GLOBAL REACH+44 1237 260 650
The Process

From application
to money in the bank.

Four stages, roughly two weeks. Here is exactly what happens at each one, what we need from you, and what you get back — so nothing about the timeline comes as a surprise.

0115 MINUTES

You submit the application

A short form: who you are, what the facility is for, how much and over how long. No credit search runs at this point, so nothing is recorded on your file.

WHAT WE NEED FROM YOU

  • Contact details and the region you trade or live in
  • The facility type and amount you have in mind
  • A two-line overview of what the money is for

WHAT YOU GET BACK

  • An acknowledgement email within minutes
  • A named advisor assigned to your file
  • A call or email within one business day to fill any gaps
021–2 BUSINESS DAYS

We match you to lending partners

Your profile goes to the institutions most likely to fund it — chosen by sector, jurisdiction, facility size and the security on offer. You receive indicative terms from more than one where possible.

WHAT WE NEED FROM YOU

  • Any supporting documents we asked for
  • Confirmation of the security or deposit available

WHAT YOU GET BACK

  • A shortlist of lenders with indicative rates and terms
  • A plain comparison of the trade-offs between them
  • Our recommendation, and the reasoning behind it
033–5 BUSINESS DAYS

Underwriting and formal offer

The chosen lender's credit team reviews affordability, valuation and covenant fit. A hard credit search happens here, with your consent. This is where indicative pricing becomes a binding written offer.

WHAT WE NEED FROM YOU

  • Consent to a formal credit search
  • Accounts, statements and valuations as requested
  • Answers to any underwriter queries — usually same day

WHAT YOU GET BACK

  • We handle the back-and-forth with the credit team
  • A written facility offer: rate, term, fees, covenants
  • A clear explanation of anything unusual in the terms
04WITHIN 2 WEEKS OF APPLYING

Signing, security and disbursement

You sign the facility agreement. Where security is required it is registered, and once complete the lender releases funds to your nominated account.

WHAT WE NEED FROM YOU

  • Signed facility agreement and security documents
  • Verified bank details for disbursement

WHAT YOU GET BACK

  • Coordination with solicitors or valuers where needed
  • Confirmation of the disbursement date
  • Your first repayment date and schedule in writing
After disbursement

The relationship does not end at funding.

First repayment
Falls one calendar month after disbursement, on a date you choose.
Overpayments
Permitted after month six with no penalty on every facility we arrange.
Annual review
A no-cost check on whether your facility is still the best available.
If circumstances change
Tell us early. Restructuring before arrears is far easier than after.
Start your application Plan your repayments