Mercantile Trust Logo Mercantile Trust Logo
  • Products
    • Bridging Loans
    • First Charge Bridging Loans
    • Second Charge Bridging Loans
    • Light Refurbishment Bridging Loans
    • Auction Bridging Finance
    • All Bridging Loans
    • Buy to Let Mortgages
    • First Charge Buy to Let Mortgages
    • Second Charge Buy to Let Mortgages
    • Holiday Let Mortgages
    • HMO Mortgages
    • MUFBs Mortgages
    • Student Buy to Let
    • All Buy to Let Mortgages
    • Business Loans
    • Home owner business loan
    • Buy to let business loan
    • All Business Loans

    Let's get started:

    New customers
    0800 032 3737
    Existing customers
    0800 980 6262
    Request a call back
    Make a payment
  • Existing Customers
    • Existing Customers Hub
    • Make a payment
    • Tariff of Fees
    • Product Guide

    Let's get started:

    New customers
    0800 032 3737
    Existing customers
    0800 980 6262
    Request a call back
    Make a payment
  • Intermediaries
    • Intermediaries Hub
    • Intermediary Portal
    • Intermediary Registration
    • Product criteria and Calculators

    Let's get started:

    Intermediary enquiries
    0800 032 5282
    Request a call back
    Make a payment
  • About us
    • About Us
    • About Us
    • Meet our team
    • Women in Finance Charter
    • Resources
    • Blog
    • Product Guide
    • Get in touch
    • Contact us

    Let's get started:

    New customers
    0800 032 3737
    Existing customers
    0800 980 6262
    Request a call back
    Make a payment
New clients
0800 032 3737
Existing clients
0800 980 6262
Request a call back
Make a payment
Contact us
Contact us

Buy to Let Business Loans

Raise funds quickly for your business by securing a loan against your Buy to Let property

  • Loans from £10k-£500k
  • Mortgage terms from 36-300 months
  • Adverse credit considered 
  • Funds possible in 48 hours
Enquire Now
Man Working With His Laptop And A Woman Standing Next To Him

Why choose Mercantile Trust?

With our common sense approach to lending, we offer flexible and quick solutions tailored to your needs.

Sales Point Tick
Borrow from £10,000 to £500,000
Sales Point Tick
Borrow up to 75% Loan-to-Value (LTV)
Sales Point Tick
Personal & Limited Company borrowers welcome
Sales Point Tick
Lending across the UK: England, Wales, Scotland, and Northern Ireland
Sales Point Tick
First and second charge available
Sales Point Tick
Available on: Holiday Lets, HMOs, MUFBs, and Student Lets
Enquire now

What is a Buy to Let Business Loan?

A Buy to Let Business Loan is a secured loan that allows landlords and property investors to release equity from their rental properties to fund business activities. The loan is secured against a Buy to Let property, making it a flexible way to raise capital without selling assets or disrupting existing mortgage arrangements.

At Mercantile Trust, our Buy to Let Business Loans are available to both individual and limited company landlords. You can borrow against a wide range of property types, including Holiday Lets, HMOs, MUFBs, and Student Lets.

0800 032 3737

Buy to Let Business Loan criteria

  • Nationwide Coverage: Available for properties across England, Scotland, Wales, and Northern Ireland
  • Borrowing for business or investment purposes only
  • Flexible Loan Options: First and second charge loans available
  • Bridging and term loans available
  • Competitive LTV: Borrow up to 75% loan-to-value (LTV)
  • Diverse Property Types: Most construction types accepted
  • Landlord-Friendly Terms: No personal income required for existing landlords
  • Affordable Entry: Minimum property value of £75,000
  • Loan Sizes: Borrow from £10,000 up to £500,000 
  • Product options: Various fixed rate options available, including a 5 year fixed rate with no early repayment charges
Enquire Now

Application process 

1

Simply fill out the Enquiry Form to arrange a call back or call our expert team on 0800 032 3737


2

We will take time to understand what you want to achieve and ensure you qualify for a loan with us


3

If approved you could have the funds in 48 hours

Ready to get started? 

We are here for anyone who needs flexible and tailored loan solutions. Whether you have complex income, have imperfect credit, are employed or self-employed, or need faster access to funds than a high street lender can offer — we’re here to help.

Let’s discuss how we can help your next investment. Speak to an expert.

0800 032 3737

Common questions about Business Loans

 

2592
5/5
Feefo Logo
Gold Trusted Service Award 2025 Full Colour Landscape Transparent
Read all our customer reviews

Products Bridging Loan Buy to Let Mortgages Business Loans
Existing Customers Make payment Tariff of Fees
Intermediaries Intermediary Portal Intermediary Registration Product criteria and Calculators
About us About Us Meet our team Resources
Contact us Existing Customers New Customers
NACFB Light BDLA Member WIF Charter Mark FINAL PNG
Legal and privacy policy Terms of use Cookie Policy Manage Cookies

© 2025 Mercantile Trust. All rights reserved.
Postal address: Mercantile Trust Limited, Building 2, Axis, Rhodes Way, Watford, Hertfordshire, WD24 4YW.
Registered Office: 25-27 Surrey Street, Norwich, Norfolk, NR1 3NX. Mercantile Trust is registered in England No: 07023863.

Our loan products are not regulated by the Financial Conduct Authority.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.