Protect operating cash
Explore financing the project instead of drawing the full cost from day-to-day business funds.
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SERVICE 04
Improve, modernise, or expand commercial space
Home Improvement Loan for Commercial Properties
Financing for eligible commercial property improvement projects, from essential renovations and interior upgrades to expansion and modernisation.
Responsible assessmentEligibility and terms are confirmed after review.
Understanding the solution04
Service overview
Financing designed around a clear purpose.
A commercial property often needs investment to remain safe, functional, attractive, and suitable for the people or businesses that use it. This financing solution is intended for eligible owners or operators planning improvements to an income-generating or business property without relying entirely on current operating cash.
Projects may range from a focused shop renovation to a larger office, structural, interior, or expansion programme. A strong application should clearly describe the property, proposed works, expected budget, implementation plan, and how the project supports the property’s commercial use. Any financing decision remains subject to assessment and product-specific requirements.
Important
Union Financial does not publish assumed approval times, interest rates, amounts, or guarantees on this page. Product availability, eligibility, pricing, security, repayment terms, and required documents are confirmed directly for each application.
Potential uses
What this financing may help you do.
The right use depends on the selected product, your eligibility, and the purpose accepted during assessment.
01
Commercial property renovations
02
Office improvements
03
Retail or shop renovations
04
Structural upgrades
05
Interior improvements
06
Expansion projects
07
Electrical, plumbing, or essential systems
08
Commercial property modernisation
Why it can be useful
Built to support an important next move.
Improve functionality
Support changes that make the property more practical for customers, staff, or tenants.
Plan improvements clearly
A project scope and budget create a structured basis for assessment.
Support commercial value
Modern, maintained spaces can strengthen how a property supports business activity.
Who it may suit
A relevant option for eligible applicants with a clear need.
Owners of commercial premises
SMEs improving an owner-occupied business property
Retail and shop operators
Office-property owners or operators
Applicants with a defined scope of work and budget
Prepare for your enquiry
Information that may support your application.
Exact requirements vary. Preparing clear, current, and accurate information can help the team understand your request and advise you on the correct next step.
Ask for your checklistITEM 01Applicant and business identification
ITEM 02Information showing the right to use or improve the property
ITEM 03Project scope, quotations, or bills of quantities where available
ITEM 04Recent business or income information
ITEM 05Property photographs or supporting project details
ITEM 06Any valuation, security, or approval documents requested
Application journey
Four clear next steps.
The team will confirm any additional product-specific actions as your request progresses.
Define the project
Prepare a practical scope explaining the improvements and why they are needed.
Build the budget
Collect quotations or cost estimates for materials, contractors, and related work.
Submit property information
Provide the property, applicant, and financial documents requested.
Assessment & next steps
Eligible projects proceed to an offer based on the completed review.
Speak with Union Financial