Fast, flexible short-term finance for commercial property transactions with decisions in as little as 48 hours and completion within days. Our Winchester-based service connects you with specialist lenders who understand the Hampshire property market.
Commercial bridging loans provide rapid, short-term financing secured against commercial property. These loans are designed for situations where speed is essential, such as auction purchases, chain breaks, or time-sensitive investment opportunities. Unlike traditional commercial mortgages, bridging finance can be arranged in days rather than months.
Our commercial bridging solutions offer unparalleled flexibility, with lenders able to consider a wide range of commercial property types and scenarios that high street banks won't touch. Whether you're acquiring an office building, retail unit, industrial warehouse, or mixed-use property, we can access specialist lenders who understand commercial property investment and development.
We pride ourselves on delivering fast decisions without compromising on service quality. Our experienced brokers work with a comprehensive panel of bridging lenders to secure competitive rates and flexible terms that align with your exit strategy, whether that's refinancing to a commercial mortgage, selling the property, or another route.
We can typically obtain a decision in principle within 48 hours. For straightforward cases with all documentation ready, completion can be achieved in 5-7 days. More complex cases may take 2-3 weeks. The speed of completion depends largely on how quickly you can provide required information, arrange valuations, and complete legal work.
Regulated bridging loans apply when the property is or will be occupied by you or a family member. These loans are regulated by the FCA and have additional consumer protections. Unregulated bridging applies to pure investment or commercial properties with no personal occupation. Unregulated loans typically have more flexible criteria and faster processing times.
Yes, all bridging lenders require a clear and credible exit strategy. Common exit routes include refinancing to a long-term commercial mortgage, selling the property, using cash from another source, or securing alternative financing. Your exit strategy must be realistic and achievable within the loan term, and lenders will assess its viability carefully.
Yes, bridging finance is commonly used for property refurbishment. Lenders can advance additional funds for light refurbishment works, or for heavy refurbishment, you may need a light development exit bridging loan that releases funds in stages. The lender will base their loan on the improved value after works are completed.