Commercial bridging finance is a short-term funding solution used by UK businesses to secure property or land quickly. It “bridges” the financial gap until longer-term financing is arranged.

Commercial Bridging Loans UK are structured as short-term finance, with standard terms typically ranging from 6 to 18 months. The key is having a viable exit strategy (such as selling the property or refinancing). While extensions may be possible depending on the lender and the project’s progress, they are generally not guaranteed and often incur additional fees. It is always recommended to plan for repayment well within the initial agreed-upon term.

Yes, we work with a panel of over 200 lenders that provide commercial bridging loan across the entire United Kingdom, including England, Scotland, Wales, and Northern Ireland.

Rates can vary depending on the lender and the specifics of your project. Our platform ensures you are matched with lenders offering the most competitive rates for your circumstances in the current UK market.

Speed is the primary advantage. While traditional mortgages can take months, the application process for commercial bridging loans in the UK is much faster because lenders focus on the property’s value and your exit strategy. With a clear plan and the right documents, funding can often be arranged in a matter of days, typically from 7 to 14 days, allowing you to seize opportunities without delay.

Yes, it is often possible. Unlike high-street banks that focus heavily on your credit score, bridging loan lenders place more weight on the value of the property you’re offering as security and the strength of your exit strategy. While severe credit issues might influence the interest rate you’re offered, a less-than-perfect credit history is not automatically a barrier to securing a commercial bridging loan.

Commercial Bridging Finance in UK is typically secured against a wide range of commercial and semi-commercial assets. This includes non-residential properties such as:

• Commercial Offices and Retail Units

• Warehouses and Industrial Units

• Mixed-Use Properties (part residential, part commercial)

• Development Land (with or without planning permission)

The property’s value and marketability are key factors, and the process is often faster and more flexible than a traditional commercial mortgage.

While there is no fixed upper limit, the maximum amount available for Commercial Bridging Loan in the UK is primarily determined by the project’s Loan-to-Value (LTV) and Loan-to-Cost (LTC) ratios. Lenders will typically offer up to $75\%$ of the property’s current value (LTV) or $90\%$ of the project’s total cost (LTC), depending on the experience of the developer and the quality of the exit strategy. We work with our panel of lenders to secure funding from $\$50,000$ up to $\$25$ million or more for major UK development projects.