The commercial lending report means that secure enterprise mortgage expectations level to a constant market for unsecured and dealing capital lending, with brokers remaining assured in small and medium-sized enterprise (SME) borrowing exercise. This pattern could also be influenced by refinancing necessities or strategic reinvestment.
“We’re seeing a constant uplift in demand for working capital and short-term funding,” stated Michael Johnson (pictured proper), director at Agile Market Intelligence. “SMEs are clearly prioritising liquidity and planning forward, not simply reacting to stress.”
Commercial mortgage sentiment has additionally improved, with the index rising from +16 in July 2024 to +54 in April 2025. The largest month-to-month enhance was recorded between March and April, with a acquire of +21. Although the index softened to +42 in May, it remains nicely above the typical for the previous 11 months. More than half of brokers have constantly anticipated demand to stay regular, and destructive sentiment has stayed under 10% in most months.
The findings point out renewed confidence within the commercial property sector, with brokers anticipating greater lending volumes, presumably on account of stabilising market circumstances or property yields.
“Commercial property is cyclical however brokers are clearly seeing indicators of motion,” Johnson stated. “A extra secure charge atmosphere could also be unlocking beforehand stalled offers.”
