Commercial Finance
Commercial Bridging
Loans UK
Fast bridging finance for commercial, mixed-use, and investment property. Rates from 0.49% per month. Completion from 5 days. Unregulated — maximum flexibility.
What is a commercial bridging loan?
A commercial bridging loan provides short-term secured finance against commercial, mixed-use, or investment property. Unlike regulated residential bridges, commercial bridges are unregulated by the FCA — which means greater flexibility on criteria, speed, and structure.
Commercial bridges are commonly used by property investors, developers, and businesses who need fast access to capital. Typical uses include purchasing commercial premises at auction, funding refurbishment of investment property, or bridging between selling one asset and buying another.
Rates start from around 0.49% per month with terms from 1 to 24 months. The loan is repaid when the property is sold, refinanced onto a commercial mortgage, or another exit event occurs.
Property types we finance:
Offices
City centre, suburban, and serviced offices
Retail
High street shops, shopping centres, trade counters
Industrial
Warehouses, factories, distribution centres
Mixed-use
Retail with residential above, commercial/residential combinations
HMOs
Houses in multiple occupation — licensed and unlicensed
Development sites
Land with planning, conversion projects, ground-up development
Commercial bridging rates
Rates depend on LTV, property type, loan size, and exit strategy.
Prime commercial
Office, retail, industrial — strong covenant
From 0.49%/mo
Standard commercial
Mixed-use, HMO, secondary locations
From 0.65%/mo
Complex / development
Development sites, land, non-standard
From 0.85%/mo
How it works
Tell us about the deal
Property type, value, loan amount, and your exit strategy.
Get a DIP in hours
We match you to the right lender and issue a Decision in Principle — often same day.
Valuation & legals
Lender instructs a valuation and solicitors prepare the legal pack.
Funds released
Completion in as little as 5 working days. Funds sent direct to your solicitor.
Common questions
What is a commercial bridging loan?
A commercial bridging loan provides short-term finance secured against commercial, mixed-use, or investment property. These are typically unregulated by the FCA, offering more flexibility on terms and criteria. Common uses include purchasing commercial premises, refurbishing investment property, and bridging the gap between buying and selling.
What rates can I expect?
Commercial bridging rates typically range from 0.49% to 1.2% per month depending on LTV, property type, loan size, and the strength of your exit strategy. Lower LTVs and cleaner deals attract the best rates. Arrangement fees are usually 1-2%.
What property types qualify?
Offices, retail units, warehouses, industrial, HMOs, mixed-use, land with planning, and development sites. Some lenders also consider non-standard properties, properties in poor condition, and sites with environmental considerations.
How quickly can it complete?
5-10 working days for straightforward cases. Complex deals with multiple securities or development elements may take 2-4 weeks. Having your documentation ready and a clear exit strategy speeds up the process.
Do I need an exit strategy?
Yes. Every bridging lender requires a credible exit strategy before they will lend. For commercial bridges, common exits include selling the property, refinancing onto a commercial mortgage, or selling another asset to repay the bridge.
Can I get a commercial bridge with adverse credit?
Yes. Commercial bridging focuses more on the property and the deal than personal credit history. Many lenders will consider applications with CCJs, defaults, or complex backgrounds if the LTV is conservative and the exit strategy is strong.
Get a commercial bridging quote
Compare rates from specialist commercial bridging lenders. Same-day DIP available. No obligation.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.