Business Rate Relief, Planning Reform & Commercial Property Finance: What to Watch Post-Budget

Business rates, planning reform and post-Budget policy shifts could be the difference between a deal that flies and a scheme that stalls. For commercial property owners, investors and developers, this article explores what any changes to business rate relief, planning rules and infrastructure spending might mean for valuations, cashflow and lender appetite.

We break down how policy decisions feed directly into bank risk models, development viability and refinancing options – and why some asset classes and regions could benefit more than others.

If you’re holding, developing or acquiring commercial property, this is what you need to watch in the months after the Budget.

Kara CookNovember 24, 2025Budget, Business Lending UK, Commercial Finance, Lending

Green Investment, Infrastructure & Commercial Finance: Seizing the Budget Opportunity

Sustainability is no longer a bolt-on – it’s where capital and policy are heading. With the next Budget expected to prioritise green investment and infrastructure, businesses that align now could access better funding, stronger incentives and a real competitive edge.

Lenders are increasingly channelling capital into projects with measurable environmental impact – think energy-efficient retrofits, solar, EV charging, logistics upgrades and resilient infrastructure. For borrowers who can clearly evidence those benefits, that can mean sharper pricing, longer terms and a greater appetite to fund ambitious plans.

This article looks at how Budget-driven incentives, public-private investment and tougher sustainability reporting could reshape commercial finance – and what that means in practice for developers, operators and investors.

If you’re planning a green or infrastructure-focused project, now is the time to prepare your case, structure the right funding and position yourself at the front of the queue when new schemes and opportunities land.

Kara CookNovember 19, 2025Commercial Finance, Environmental Financing, Lending, Budget, Financial Consultant, Finance Broker

How the Next Budget Could Shift Commercial Lending – What Borrowers Should Know

The next UK Budget could quietly redraw the map for commercial borrowing – from how tough lenders’ criteria are to what it actually costs to raise finance. With rates still elevated, stricter affordability tests and nervous valuations, any shift in business rates, tax incentives or SME support could tip the balance between “approved” and “declined”.

This piece breaks down what the Chancellor’s decisions might mean for your funding options, refinancing plans and growth strategy – and the practical steps borrowers should be taking before Budget day to stay one step ahead.

Kara CookNovember 17, 2025Budget, Financial Adviser, Finance Broker, Borrowing, Lending, Commercial Finance

Interest Rates, Inflation & the Budget: Why It All Matters for Business Borrowing

Interest rates and inflation aren’t just economic headlines – they’re changing what it costs your business to borrow, refinance and grow. With the upcoming UK Budget, the stakes are high: a tax-cutting, big-spending package could keep rates higher for longer, while a more cautious approach may open the door to earlier rate cuts and cheaper debt.

This piece explains how the Budget influences borrowing costs, what it could mean for your refinancing or investment plans over the next 6–12 months, and the practical steps every business should be taking now – from reviewing existing facilities to stress-testing different interest-rate scenarios.

At Otium Partners, we help businesses use this uncertainty to their advantage. Read on to understand the risks, the opportunities, and how to position your funding strategy before the Budget lands.

Kara CookNovember 13, 2025Interest Rates, Budget, Financial Adviser, Commercial Finance, Financial Consultant

What Lenders Look For in 2025: How to Secure the Right Finance

Lending criteria are changing. In 2025, lenders are looking for more than just assets — they want clarity, planning, and professionalism. In this blog, Otium Partners explains what borrowers need to know, and how our team helps clients secure finance by presenting deals the right way.

Commercial Loan Comparison Done Right: Why the Best Deal Isn’t Always the Lowest Rate

In commercial lending, the lowest rate is not always the smartest deal. From fees to flexibility, there is a lot more to consider. In this blog, Otium Partners explains how to compare loans properly, and why our independent approach helps clients find funding that works in the real world, not just on paper.

Otium Blog