Commercial Bridging Finance

Commercial bridging finance provides quick access to capital, enabling you to secure funding while waiting for a property sale or the arrangement of long-term financing. This type of loan can be used to purchase various commercial properties or invest in essential machinery and equipment for your business.  

As a short-term solution, bridging loans allow you to seize opportunities swiftly and are typically repaid within 12 months, often without early repayment charges.  

These loans can be secured against a wide range of residential and commercial properties, offering flexibility to meet your business needs.

What Types of Properties Can a Commercial Bridging Loan Be Used For?

Commercial bridging loans are versatile and can be used to fund a wide variety of property types, including:

• Offices, including professional practices
• Pubs, bars, and restaurants
• Hotels, guest houses, and B&Bs
• Retail units and business parks
• Warehouses, factories, and industrial units
• Large HMOs and unique residential investments
• Mixed-use properties
• Care homes
• Places of worship
• Garage blocks, car parks, and land

This flexibility makes commercial bridging loans suitable for a broad range of investment and business opportunities.

When Would You Use It?

Commercial bridging loans can be used when purchasing a new business, commercial property, or mixed-use property (part commercial, part residential). They are applicable for most commercial property transactions, except houseboats.

Some common scenarios include:

• Brownfield Sites: When buying land before planning approval is granted.
• Run-Down Commercial Properties: For properties that are difficult to mortgage in the current market.
• Business Start-Ups: To fund a new small business or start-up.

Similar to residential bridging, commercial bridging loans can also be helpful when a property chain breaks or during property auctions.

As long as a valid exit strategy is provided, the funds can be used for a variety of business purposes, such as working capital, financing tax liabilities, or addressing short-term cash-flow challenges.

How Long Does It Take to Secure a Commercial Bridging Loan?

Obtaining a commercial bridging loan typically takes around 3-4 weeks. The timeframe can vary depending on the type of valuation required, which may impact the application process. However, we strive to expedite the process to ensure you receive the funds as quickly as possible.