Acorn Commercial Desk · Industrial, Logistics & Trade Counters
Bespoke commercial mortgages for Light Industrial Units, Distribution Hubs, Trade Counters, and Multi-Let Industrial Estates. Up to 75%–80% LTV for owner-occupiers and commercial investors.
Prefer to talk? 0207 959 3882
Industrial Sector Funding
Each industrial asset class is underwritten differently — from Class E(g)/B2 workshops to B8 fulfilment hubs, multi-let estates and high-yield self-storage.
SME workshops, engineering units, local repair shops, and fabrication yards.
Last-mile delivery hubs, high-bay distribution centres, and cold storage facilities.
Customer-facing trade outlets (plumbing, electrical, building supplies) and multi-unit estates.
Commercial food preparation spaces, container yards, and automated self-storage buildings.
Core Underwriting Drivers
Three levers drive industrial pricing: the physical functionality of the building, its planning consent, and the lease structure behind the income.
Lenders assess re-letting potential based on functional physical specs: minimum clear eaves height, roller shutter access, heavy HGV loading yards, and floor loading capacities. High-spec units command lower interest rates.
Ensuring the property has correct planning consent — E(g)(iii) (Industrial Processes), B2 (General Industrial), or B8 (Storage/Distribution) — prevents enforcement friction and speeds up mortgage offer issuing.
Industrial properties heavily feature FRI leases where tenants pay for all repairs, maintenance, and building insurance. Lenders favour this net income model for commercial investment loans.
Interactive Tool
Model your annual rent roll, gross yield, maximum commercial mortgage and DSCR from price, size, rent per sqft and borrower type.
Borrower Type
Industrial underwriting blends the physical asset (eaves height, yard, planning class) with the income stream — your trading profits as an owner-occupier, or the FRI rent roll as an investor. Pension purchases are capped by the SIPP/SSAS 50% borrowing rule.
Owner-Occupier Trading Business: 75% LTV over 20 years at an indicative 6.75% — £4,277/mo repayment. Lenders typically target a DSCR of 1.25x+.
Request Industrial Pre-ApprovalIndicative illustration only. Industrial valuations require a specialist RICS valuation and full lender underwrite. Actual LTVs, rates and terms depend on physical specification, planning use class, lease structure, covenant strength and borrower profile.
Acorn Finance is a specialist credit broker authorised and regulated by the FCA (#660207), not a tax advisory firm or accountant. Industrial property acquisitions, SIPP/SSAS commercial pension purchases, Capital Allowances on industrial fixtures (three-phase power, air handling, solar installations), VAT (Option to Tax), and OpCo/PropCo corporate structures carry complex legal and tax implications. The information provided on this page is designed to highlight key structural concepts so you can lead an informed discussion with your qualified accountant or tax specialist.
Knowledge & Next Steps
Heavy industrial and production-facility finance for owner-occupiers and investors.
Stop paying rent and own your trading premises at up to 80% LTV.
Investment mortgages for commercial landlords, underwritten on DSCR.
Use OpCo/PropCo structures and documented intercompany loans for deposits.
Frequently Asked Questions