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UK commercial property skyline at dusk — commercial bridging finance
Short-term commercial property finance

Commercial bridging finance, funds in days.

Fast, flexible bridging loans on commercial property from £100,000 to £25m. Rates from 0.65% per month. Indicative terms within 24 hours — no upfront fees.

  • Drawdown in 5 – 10 working days
  • Up to 75% LTV (higher with additional security)
  • Terms from 1 to 24 months
  • Auction, refurb, chain-break & refinance
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60+ bridging lenders
High-street to private
No upfront fees
Fee on completion only

When bridging works

Common uses for commercial bridging finance

Bridging is the right tool when speed, flexibility or a clear exit matters more than the lowest headline rate. We arrange short-term loans on offices, retail, industrial, hotels, care homes and mixed-use property nationwide.

Auction purchases

Meet the 28-day completion deadline with confidence.

Refurbishment

Fund light or heavy refurb before refinancing to a term loan.

Chain break

Complete a purchase before your existing sale finalises.

Pre-sale bridge

Release equity ahead of a planned commercial property sale.

Distressed acquisition

Move quickly on below-market opportunities.

Planning gain

Bridge while uplift in value is secured through planning.

Recent placements

Commercial bridging case studies

Real deals we've structured for UK borrowers — from purchase and renovation to refinance ahead of sale.

UK care home funded by a commercial bridging loan
Care home · Purchase & renovation

£1.4m bridge to acquire and refurbish a regional care home

Loan
£1.4m
LTV
70%
Term
12 months

Our client identified a 32-bed care home requiring modernisation. Trading accounts were insufficient for a term lender, but the asset value supported a bridge. We arranged funding to complete the purchase and release further drawdowns for renovation works, with a clear exit to a commercial investment mortgage once CQC re-registration and trading were stabilised.

Exit: refinance onto a 20-year commercial investment mortgage at completion of works.

UK boutique hotel refinanced with a commercial bridge before sale
Hotel · Refinance pre-sale

£2.2m bridge to refinance a hotel ahead of marketed sale

Loan
£2.2m
LTV
60%
Term
9 months

A hotel owner needed to redeem an existing facility approaching maturity while the property was openly marketed for sale. A traditional refinance would have taken too long. We placed a short-term commercial bridge that cleared the incumbent lender within three weeks, giving the borrower nine months of breathing space to achieve the right sale price.

Exit: sale of the hotel within six months at full asking price.

Discuss your case with an adviser

How it works

From enquiry to drawdown in days, not months.

  1. 01

    Tell us about the deal

    Two-minute online form or quick call to scope the loan and exit.

  2. 02

    Indicative terms in 24h

    We approach the right bridging lenders and return options the same or next day.

  3. 03

    Valuation & legals

    We instruct the valuer and coordinate with your solicitor to keep things on track.

  4. 04

    Drawdown in days

    Funds released in as little as 5 – 10 working days on straightforward cases.

Indicative criteria

Commercial bridging at a glance

Loan size
£100,000 to £25m+
Rates from
0.65% per month
LTV
Up to 75% (higher with additional security)
Term
1 to 24 months
Interest
Rolled, retained or serviced
Exit
Sale, refinance or term loan

Rates and criteria are illustrative. Final pricing depends on LTV, asset class, exit strategy and borrower profile. Most forms of commercial bridging are unregulated.

FAQs

Commercial bridging finance — your questions answered

What is commercial bridging finance?
A short-term loan secured against commercial property — typically 1 to 24 months — used to fund a purchase, refurbishment or refinance ahead of long-term funding or a sale.
How fast can a commercial bridge complete?
Indicative terms within hours and funds in as little as 5 – 10 working days on straightforward cases. Complex deals usually drawdown within 3 – 4 weeks.
What rates can I expect?
Commercial bridging rates start from 0.65% per month, depending on LTV, asset class and exit strategy. Interest can be rolled up, retained or serviced monthly.
What exit strategies do lenders accept?
The two most common exits are a sale of the asset or a refinance onto a long-term commercial mortgage. Lenders need confidence the exit is achievable within the loan term.
Are there any upfront fees?
No. Our advice and quotation service is free. We're only paid on successful completion, agreed in writing upfront.