Practical preparation · General information, assessed individually
Describe the buyer and use
Commercial funding discussions need the purpose of the property and the borrowing to be clear. Distinguish premises for your own business from a property intended for tenants.
- Identify the proposed purchasing entity and decision-makers.
- Explain the intended use and any planned change.
- Record the price, available equity and important dates.
Connect the figures to the plan
A commercial lender may consider trading history and repayment ability. Organise the financial information relevant to the proposed borrower and use.
- Ask your accountant which current records best explain the trading position.
- List existing borrowing and recurring commitments.
- For an investment, gather the available tenancy and rental information.
Create a property question list
Bring the property documents and unanswered questions into one index. Your solicitor, surveyor and other specialists advise within their own scopes; an organised folder does not replace their assessment.
- List the available sale, title and lease documents.
- Identify any condition, use or access issue requiring specialist review.
- Record who is answering each question and what decision it affects.
Bring to the first conversation
- Buyer and ownership summary
- Business financial information or tenancy records
- Purchase budget and proposed borrowing
- Property document index and outstanding questions
Start with an outline. Send sensitive documents only through the secure route agreed with Jack.
Your questions, answered
Does every lender ask for the same documents?
No. Treat this as an initial organisation checklist, then obtain the requirements for the lender and transaction being considered.
Link to this answerCan I use the same brief for several property options?
Keep the business background reusable, but give each property its own price, use, cost assumptions and outstanding questions.
Link to this answerSources & further reading
Sources checked 12 October 2026. Preparation prompts are editorial checklists; follow the linked original for its scope and updates.
Prepared for Jack Cousins’s website · 12 October 2026. About Jack · How site content is prepared. Lender criteria and individual circumstances determine available options. This guide is not a mortgage offer or personal recommendation.