Together: products, terms and eligibility

Together is a UK provider of secured business loans. The legal entity named on its site is Together Commercial Finance Limited, company number 02058813. It is based in Cheadle, Cheshire. It gives its founding year as Since 1974.

Together says it was established in 1974. It trades through several registered entities, including Together Financial Services Limited, Together Personal Finance Limited, Together Commercial Finance Limited, Bridging Finance Limited and Blemain Finance Limited, with a registered office in Cheadle, Cheshire.

In its own words on scale:

• Says it has helped thousands of people access finance over about 50 years (figure on its site in October 2026).

Everything on this page comes from what Together publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Together publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

• Secured business loans: Monthly instalments including interest; interest-only options available.

Secured business loans

A lump sum secured on commercial or investment property, repaid monthly over an agreed term and running separately from any existing mortgage. Together publishes £50,000 to £5 million on a first charge and £50,000 to £1 million on a second charge, with interest-only options. Individuals and limited companies can apply.

Commercial mortgages

Mortgages from £50,000 to £5 million against commercial, semi-commercial or land, with standard lending up to 70% LTV and the possibility of higher funding with extra security. Property must be valued at at least £50,000 and a minimum 30% deposit or equity is expected.

Commercial bridging loans

Short-term finance secured on commercial or semi-commercial property from £26,000 to £5 million, up to 70% LTV, with a 25% minimum deposit. Together lists exits such as selling the property, refinancing, or selling other property.

Together says its finance is used for:

• Raising capital against commercial or investment property
• Buying commercial or semi-commercial property
• Bridging to a longer-term mortgage
• Refinancing

Sectors and business types it says it funds:

• Retail units
• Factories and warehouses
• Offices
• Restaurants, hotels and leisure
• Farms

Together publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Individuals or limited companies.
• Secured on residential, commercial or investment property; automated valuations accepted.
• Non UK and expat applicants considered.
• Commercial mortgages and bridging: borrow up to 70% of property value, with additional security allowing more.

Together describes its process like this:

1. Contact the team for a quote.
2. Provide information for an affordability assessment.
3. Property valuation and legal work.
4. Receive approval and confirm the offer.

Every application is subject to status and the lender’s own criteria at the time.

A secured business loan is borrowing backed by a charge over property or other assets. Security can mean a larger loan or a longer term than unsecured lending, but the asset is at risk if repayments are not kept up.

Lenders value the security and usually lend up to a set share of that value, so allow for valuation and legal work. Read how to compare business loan lenders before weighing a secured offer against an unsecured one.

Points Together publishes that are worth knowing:

• Loans are secured on property; any property used as security, including your home, may be repossessed if repayments are not kept up.
• Commercial mortgages and loans include an Early Repayment Charge.
• Charges a Lenders Arrangement Fee and a Redemption Administration Fee; amounts vary and are explained before signing.
• Lending decisions are subject to lending criteria, credit check and individual circumstances.
• Offers a first or second charge on a property that may already have a mortgage.

Security and guarantees

Loans are secured on property by a first or second charge, depending on the product. Together lists an early repayment charge and a redemption administration fee for commercial mortgages (amounts not stated here).

Together’s site states: “Together is a trading style of each of the undernoted companies... Together Personal Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA). FCA number is 305253. Together Commercial Finance Limited | Registered in England and Wales - Company Registration Number 02058813”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of secured business loans with profiles here include 4Syte, Mercantile Trust and Nationwide Finance. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.