Commercial Bridging Loans
A Guide to Commercial Bridging Loans
A commercial bridging loan is a short-term financial solution designed to provide businesses with the capital they need for property transactions, redevelopment projects, or urgent investments. These loans act as a "bridge" until a longer-term funding solution or the sale of an asset is secured.
Suitable Uses for Commercial Bridging Loans
Our bridging loans are ideal for:
Purchasing new commercial or semi-commercial properties
Funding property redevelopment or refurbishment projects
Auction purchases where fast completion is required
Managing temporary cash flow challenges
Unlocking equity from existing properties
Why Choose Us?
Quick Decision-Making: Time-sensitive transactions are our specialty. We have Commercial no valuation products which can expedite your application.
Lower Cost: With a wide array of commercial bridging loan products we have a product to suit every situation in a cost effective manor.
No Hidden Fees: Transparent pricing with no exit fees or penalties for early repayment.
Expert Support: Our experienced team will guide you through the process and tailor a solution to your needs.
Wide Eligibility: Loans available for various commercial properties, including offices, retail spaces, industrial units, and mixed-use developments.
Key Features of Our Bridging Loans
Loan Amount: From £100,000 to £10 million
Charges: 1st and 2nd Charge
Loan Term: Typically 6 to 18 months
Interest Rates: Competitive rates starting from 0.79% per month
Maximum Loan-to-Value (LTV): Up to 75% of the property’s value
Repayment Options: Flexible terms, including interest-only repayments
Approval Speed: Receive funds in as little as 5-10 days.
Eligible Commercial Properties:
Offices – Corporate buildings, serviced office spaces, and coworking hubs.
Retail Units – Shops, shopping centres, and high-street properties.
Industrial Spaces – Warehouses, factories, and logistics hubs.
Hospitality and Leisure – Hotels, restaurants, and entertainment venues.
Mixed-Use Developments – Properties combining residential and commercial elements.
Commercial to residential conversion – Properties which can be converted to residential using permitted development.
Pubs - Both trading and vacant pubs.
Is your property not on the list? Get in touch with our expert team today to explore your options.
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Secure commercial bridging finance with up to 75% loan-to-value (LTV) and competitive interest rates starting from just 0.89% on larger transactions.
Our fast and flexible commercial bridging loan solutions provide a hassle-free way to access the funds you need—without the delays of property valuations.
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Our commercial bridging loans can be completed in as little as 5 working days, with most transactions completing within 10-15 working days.
By eliminating the need for a property valuation, the credit and underwriting processes are significantly accelerated. This makes no valuation bridging finance an ideal solution for those who need fast access to funds, whether it's for securing a property purchase, refinancing, or meeting your urgent financial needs!
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To secure the best commercial bridging loan, it’s crucial to compare lenders based on key factors such as interest rates, loan terms, fees, and reputation.
Equally important is understanding each lender’s appetite for lending on your specific deal to avoid wasting time and money on deals that are unlikely to proceed.
For expert advice, contact a market-leading commercial bridging loan broker who can help you navigate your options and secure the most suitable bridging finance solution tailored to your unique needs.
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Yes, you can obtain a no valuation bridging loan quote on your commercial property. To get an accurate quote, it's best to speak with a specialist broker who can assess your specific financial needs, the property details, and the type of deal you are looking to complete.
Since no property valuation is required, the process is quicker, but the loan terms will still depend on factors like loan amount, loan-to-value (LTV), your credit history and the lender’s criteria for your situation.
How to Apply
Contact Us
Apply directly with us, and we’ll discuss the pros and cons of no valuation bridging loans, ensuring you understand your options.Receive a Quote
Get a personalised quote for a no valuation or desktop valuation bridging loan by submitting your case for a no-obligation quote. We’ll assess your needs and provide a tailored solution.Guidance
We guide you through the application process, offering market-leading rates from our investors or the wider bridging loan market. Our expert advice ensures you get the best deal.Processing
We handle all aspects of the loan, including underwriting, legal procedures, and valuation (if applicable), until the loan is successfully completed.
What is a bridging loan?
Bridge Loans (Bridging Finance): A Short-Term Funding Solution
Bridge loans, also known as bridging finance, offer borrowers short-term funding to cover financial gaps when immediate capital is required but not yet available. These loans provide a flexible solution to manage time-sensitive financial situations, such as:
Purchasing a new property before selling an existing one – Ideal for homeowners or developers looking to secure their next property without delays.
Purchasing a property without having a footprint in the UK
Buying a buy-to-let (BTL) property at auction – Ensuring quick access to funds to meet auction deadlines.
Property refurbishments – Enabling investors to renovate and enhance property value before refinancing.
Business cash flow needs – Providing essential working capital during transitional periods.
Bridging loans are typically secured against property assets and are designed to be repaid within a short timeframe, usually 6 to 24 months. They can be an effective solution for both individuals and businesses facing urgent financial needs.
Want to learn more?
For a detailed guide on bridging loans, explore the links below: