Commercial Product Inner Page Slide

Commercial Product

Commercial Products

Reach Your Saving Goals Quicker

Commercial Product

1. What we offer.

SBI UK Ltd offers foloowing typesof fund-based loan.

1. Secured Business Loans.

The bank offers customers financing for future growth, secured against their existing business and immovable properties. The underlying businesses may be across segments like Hotels/Restaurants, Student Accommodation, Care Homes etc. The business cash flows provide for the loan to be serviced and the facility is typically refinanced at the end of the tenure. While the loan facility would benefit from having a tangible security of immovable property, the performance of the loan is primarily dependent on the business continuing to generate cash flows. The loans are offered for 5 years.


2. Commercial Mortgages.

We can support property investors with mortgages on commercial units, office or residential blocks, warehouses, doctor’s surgeries, etc.

(a) Commercial Owner Occupier

  • Do you want to purchase new premises for your business?
  • Are you looking to expand your current premises?
  • Do you want to improve your current premises?
(b) Commercial Investment Mortgage
  • Do you want to invest in property?
  • Do you have a commercial property that you wish to let to tenants?
  • Do you want to improve or refinance an existing commercial property that has tenants?
(c) Commercial Overdraft
  • Do you wish to raise additional capital for your business?
  • Does your business require short term funding for expansion/investment?
  • Are you looking to refinance existing facilities currently with another bank?

3. Development Finance

The business is targeted at property developers with capability of developing residential &  commercial real estate. The deals can be bilateral, club or syndicated. Transactions can have a maturity period of up to 30 months.

4. Corporate Loans

SBI UK Ltd offers secured lending facilities to Corporates on a case to case basis.


2. Product Features.

Please note that below features are indicative and for illustration purposes. Each facility is 
individually assessed by the Bank and terms will be subject to mutual agreement.

CRE & Business Loans

Maximum Loan Amount Up to £20 million
Purpose of borrowing Further investments in real estate or business, refinancing.
Security Property, Debenture charge over all fixed and floating 
assets of the borrower, Personal Guarantees of 
sponsors/key shareholders
Repayment Terms Interest Only, Capital and Interest Repayment
Loan Term Maximum of 5years
Location Of Security  England and Wales..
LTV Max 70%


Development Finance

Minimun and Maximum Loan Amount.  £250,000 and £10 Million.
Maximum Project Cost £25 Million.
Applicants Individuals, Sole Traders, Partnerships, UK incorporated Limited Companies, LLP, Trust/ Charities.
Purpose of borrowing Development of acceptable real estate projects.
Type of Loan Build to rent (BTR) and Build to sale (BTS)
Repayment Terms Interest Only.
Security Property, Debenture charge over all fixed and floating assets of the borrower, Personal Guarantees of sponsors/key shareholders.
Loan Term Up to 30months.
Location of Secuirty England and Wales.

Loan to Gross Development Value

Loan to cost

For residential project- 75%

For commercial project- 70%

Valuation By Qualified Chartered Surveyor
Ongoing Project Monitoring Independent Monitoring Surveyor.

Commercial Product Side Navigation

SUB Services Free money transfer to India

Remittance to India


More about money transfers

SUB Services Talk to us, we can help

Talk to us, we can help


Invest or refinance a buy to let mortgage

SUB Services How to open an account with the State Bank of India UK Ltd

How to open an account with SBI UK Ltd


Learn More