We’re committed to supporting SMEs with their expansion and we know every business is different, which is why we look at each loan on its own merits when reviewing cases.
- Extensive owner-occ expertise
- A market-leading service for brokers and their clients
- Focused on finding funding solutions
Asset classes
We support a variety of asset classes, from florists to children’s nurseries, distribution warehouses and small retail units. And when it comes to SMEs, we know the market, have clear criteria and our team of experts work closely with brokers to help borrowers secure the funding they need.
For instance, when reviewing cases, we:
- use the last two years’ finalised accounts so we see three years’ worth of figures;
- look at the performance of the business, the experience of the owners and the specifics of the property;
- aim to meet with the borrowers directly for loans over £4m, so that we can fully understand their background and plans.
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Delivering on warehousing
Scenario
- Growing business with clear expansion plans
- Acquisition of two additional warehouse and distribution locations
- Commercial owner-occupier funding structured over a 20-year interest-only term
- Up to 75% LTV, including fees
- £2.25m gross loan supporting growth while preserving cash flow
Back to the office
Scenario
- Business relocating to a larger, prime-location office to support growth
- £1.1m commercial owner occupier loan requirement
- 75% LTV gross, with the rate fixed for 5 years
- 25-year term on an interest-only basis
- Modern serviced building with an EPC rating of A, enabling InterBay to offer a discounted rate
Refinancing owner-occ
Scenario
- Client purchased the current premises they trade from just over 2 years ago.
- At the time they could only achieve 50% LTV.
- They’re now applying to InterBay for a 75% LTV loan.
- They also plan to release capital for further investment in a new premises.
- The release of 25% lending will be a deposit for the new premises, which InterBay will also fund as the client has a proven track record.
Leveraging owner occupier opportunities
Article
As the UK commercial market enters its next cycle, owner occupiers have more influence – and more decisions to make – than ever before. At InterBay, we remain committed to supporting SMEs through expansion, providing expertise, funding solutions and market-leading service.
2026 commercial real estate forecast: retail warehousing
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Retail warehousing continues to stand out as a resilient and attractive asset class, driven by tight supply, strong tenant demand and compelling income returns. As we move through 2026, these fundamentals position the sector well for investors seeking both stability and growth in a challenging market environment.
Contact us
If you'd like to discuss a case or you need more information our team will be happy to help.
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InterBay - OSB Group PLC
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The products and/or services featured in this communication are not regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
InterBay Commercial, is a trading name of InterBay Funding Limited, which is a subsidiary of OneSavings Bank plc. Registered office: OneSavings Bank plc, OneSavings Bank plc, Sun Pier, Medway Street, Chatham, Kent, ME4 4ET, United Kingdom. OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504). We subscribe to the Financial Services Compensation Scheme and the Financial Ombudsman Service.
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