Fast, flexible short-term finance for commercial property transactions with decisions in as little as 48 hours and completion within days.
Commercial bridging loans provide rapid, short-term financing secured against commercial property. These loans are designed for situations where speed is essential—auction purchases requiring 28-day completion, chain breaks, time-sensitive acquisitions, or refinancing when traditional commercial mortgages would take too long.
Unlike traditional commercial mortgages that can take 3-6 months to arrange, commercial bridging can complete in as little as 7 days. This speed comes from streamlined underwriting focused on asset value and exit strategy rather than extensive income verification and trading history analysis.
The UK commercial bridging market has matured significantly, with specialist lenders offering competitive rates from 0.55% per month for prime security. Whether you're acquiring an office building, retail unit, industrial warehouse, or mixed-use property, commercial bridging provides the speed and flexibility that mainstream lenders cannot match.
Submit your enquiry with property details and exit strategy. We source terms within 24 hours. Valuation instructed immediately upon acceptance—many lenders use desktop valuations for speed.
Dual representation (same solicitor for you and lender) accelerates the process. Title investigation, searches, and legal due diligence completed in parallel with valuation.
Once legal and valuation complete, funds released same day or next day. Full loan amount advanced on day one, unlike development finance staged drawdowns.
Understanding the right scenarios ensures you're using this finance type strategically.
Commercial properties at auction require 28-day completion. Bridging lenders understand auction timelines and can provide terms before you bid.
Secure commercial premises without waiting for your existing property to sell. Bridge the gap and complete quickly.
Purchase and renovate commercial properties that are unmortgageable in current condition, then refinance to commercial mortgage.
Time-sensitive commercial opportunities—expanding businesses, relocating premises, or acquiring competitor sites.
| Cost Component | Typical Range | Notes |
|---|---|---|
| Monthly Interest Rate | 0.55% - 1.25% | Based on LTV and property type |
| Arrangement Fee | 1% - 2% | Usually added to loan |
| Exit Fee | 0% - 1% | Many lenders don't charge |
| Valuation Fee | £500 - £3,000+ | Property value dependent |
| Legal Fees | £1,500 - £3,000+ | Borrower pays lender's costs |
| Broker Fee | 0.5% - 1% | If using a broker |
Share property details, loan amount, and exit strategy. We provide indicative terms within 2-4 hours.
Review and accept terms. Valuation and legal work instructed immediately.
Desktop valuation (same day) or physical inspection (2-5 days) depending on loan size and complexity.
Solicitors complete title investigation and prepare legal documentation. 3-7 days typical.
Funds transferred. Completion can be same day once all conditions satisfied.
| Aspect | Commercial Bridging Loan | Alternative |
|---|---|---|
| Speed | Complete in 5-14 days | Commercial mortgages take 2-6 months |
| Criteria | Focus on asset and exit | Extensive income verification required |
| Property Condition | Unmortgageable properties accepted | Must meet strict standards |
| Flexibility | Rolled-up interest, no monthly payments | Monthly payments required |
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.
Decision in principle within 24-48 hours. Straightforward cases complete in 5-7 days; complex cases 2-3 weeks. Speed depends on documentation readiness, valuation turnaround, and legal complexity. Auction purchases routinely complete within 28 days.
Regulated bridging applies when the property is or will be occupied by you or family (FCA regulated, consumer protections). Unregulated applies to pure investment or commercial properties with no personal occupation—faster processing, more flexible criteria.
Yes, all lenders require a credible exit strategy. Common exits: refinance to commercial mortgage, property sale, funds from another source. Your exit must be realistic and achievable within the loan term.
Yes, commonly used for refurbishment. Lenders advance funds for light works, or use development exit bridging for heavier refurbishment with staged releases. Lending based on improved value after works.
Dedicated commercial bridging loan specialists with deep market knowledge.
Access to an extensive panel of specialist lenders.
Adhering to strict professional and ethical standards.
Proven track record in property finance.
Our local specialists understand the property market in your region and can provide tailored advice.
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