Commercial lending is an extensive market, i.e., loans to businesses from sole traders and partnerships to family companies to multinational traders. Loans for the start or expansion of businesses, buy shops, factories or hotels, or construction sites. There is a wide range of companies that specialise in commercial lending. They secured such loans on the property of the company or other assets. They set the interest rate at a specified margin above the lender’s base rate. The lender’s risk to a particular company will decide the interest rate. This will be assessed by examining the company’s past performance (if any), business plans, projected profits and quality of management, as well as the business sector in which it operates.