When it comes to getting quotations then looking for a commercial mortgage loan on the interent can save you an enormous amount of time and money. Fire off a few emails, send off some basic info via web forms, but don't give out too much detail, like your post-code. Such info can wind up in a datbase goodness-knows where. At the very least you can be getting mail about finace deals for years. 

Look for a "commercial mortgage loan guide" online. Find out what a commercial borrower can do if a bank declines their application. Advice can be costly in the 'real world'. There's plenty of free advice on the internet. Plus a specialist commercial mortgage loan agent will be able to find the best deal for you. 

Looking at your credit report. Lenders use three major credit bureaus, Equifax, Trans-Union( USA), CallCredit (UK) and Experian. So it will be a good idea to request all three reports to assess your credit rating for erroneous items that could be hurting your credit-score. 

Clear up any negative data.  If you've any derogatory items such as late-repayments or collection-accounts then write a letter of explanation and include it with your application. Do not try to hide any  negative entries; your file will be authorised by a human being and not an automated system. Commercial mortgage loans can be too complex to initiate by an automated process. Underwriters realise that people make mistakes and look favorably upon a borrower that owns up to them. 

Use a commercial real estate company that will allow you to get much larger amounts of cash out of refinancing, without restrictions on what you do with it. 

Be aware that a bank's finance officer may determine that your business plan does not support the required loan. Your job is to make sure that doesn't happen.