Offices · Retail · Mixed-Use · Industrial

Commercial Bridging Loans

Commercial bridging finance funds the purchase, refurbishment, or refinance of commercial property when high-street lenders can't move at the speed the deal requires. We bridge offices, retail, mixed-use, industrial, hotels, and semi-commercial assets across the UK — for investors completing on opportunity buys, landlords repositioning vacant stock, and businesses securing their own premises before long-term finance is in place.

Rated 4.8/5 by property professionals · From 0.37% pm · 250+ lender panel · No upfront fees

£100k – £15m

Loan Size

1 – 18 months

Typical Term

Up to 75% LTV

Typical LTV

Key Features

What We Offer

Offices, retail, mixed-use, industrial

Full commercial spectrum — flats above shops, ground-floor retail with residential above, hotels, semi-commercial, light industrial, owner-occupier business premises.

14-day completions standard

Senior commercial bridge typically completes in 14 working days from clean instruction. Auction commercial buys handled inside the 28-day clock comfortably.

Vacant-to-let repositioning funded

Purchase plus light refurbishment in one facility. Works budget held in retention, drawdown against monitoring-surveyor milestones. Exit on commercial mortgage once let.

Owner-occupier business buys

Bridge your trading premises before long-term commercial mortgage is in place. Refinance to term once trading or letting income is established.

Refinance + capital release

Equity from existing commercial property for further investment, working capital, or cross-collateralised portfolio expansion.

Down-valuations & chain-breaks

High-street lender slowed your deal? Bridge while they catch up — or take the deal off-piste entirely if their underwriting won't complete in time.

Ideal For

Common Scenarios

Property investors completing quickly

Senior bridge to 75% LTV, 14-day standard completion. The product investors reach for when the high-street can't move fast enough.

Auction commercial buyers

Pre-approved DIPs, dedicated 28-day-clock workflow, panel of specialist commercial surveyors ready to instruct fast.

Owner-occupier businesses

Buy your trading premises with a senior bridge, refinance to commercial mortgage once trading-account or letting evidence is established.

Refurb / repositioning specialists

Fund the purchase plus light works in retention; drawdown as the surveyor signs off completed milestones.

Operators with strong covenant, slow-moving lender

Bridge while the high-street processes. Common when your existing banking relationship is happy in principle but operationally slow.

What We Fund

Commercial Bridging — The Specifics

•Commercial purchases at speed — completions in 14 days or less, pre-approval available before exchange
•Auction commercial buys — 28-day auction completion well inside our typical timeline
•Vacant-to-let repositioning — fund the purchase plus light refurbishment, exit on commercial mortgage once let
•Mixed-use and semi-commercial — flats above shops, ground-floor retail with residential above, live-work units
•Owner-occupier business premises — buy your trading premises before long-term commercial mortgage is in place
•Refinance + capital release — equity from existing commercial property for further investment or working capital
•Down-valuations and chain-breaks — bridge a transaction the high-street lender just slowed down

How It Works

From Enquiry to Drawdown

Initial enquiry

Property details, purchase price, exit plan. We do a soft credit footprint at this stage only.

Indicative terms

Same day. Soft credit only, no fee. A DIP letter your solicitor can rely on.

Valuation

RICS commercial surveyor instructed; 5–7 working days standard for routine commercial property.

Legals

Your solicitor and ours work in parallel. Auction packs and unregistered land take longer; clean leasehold/freehold commercial is fast.

Drawdown

14 days standard for clean deals. Funds released to your solicitor on completion.

Loan Parameters

Headline Numbers

Loan size

£100,000 – £15m

LTV

Up to 75% (tighter than residential)

Term

1 – 18 months

Rates

From 0.58% pcm

Charges

1st and 2nd charge available

Property types

All commercial considered

Common Questions

Commercial Bridging FAQ

What's the maximum LTV on commercial bridging?

Up to 75% on senior — tighter than residential bridging because commercial valuations are more variable and exit timelines longer. Mixed-use can sometimes go higher where the residential element dominates the value.

Do you fund commercial property at auction?

Yes — auction commercial buys are routine. Send the catalogue entry pre-auction for an indicative offer; we work to the 28-day completion clock and have a panel of specialist commercial surveyors ready to instruct fast.

Can you fund refurbishment alongside the purchase?

Yes — works budget is typically held in retention and released against monitoring-surveyor milestones, same structure as residential refurbishment bridging. Common for repositioning vacant office stock or upgrading older retail units.

Will you lend on vacant commercial property?

Yes — vacant possession is normal for commercial bridging because most borrowers are buying to reposition. We'll want to see the exit plan (let, sell, or owner-occupy) before commit.

How is commercial bridging different from a commercial mortgage?

Speed and flexibility. Commercial mortgages take 8–12 weeks and require detailed business case, valuations, and proof of trading or letting income. Bridging is 2–3 weeks and focuses on the asset and the exit, not the long-term operational case.

For ground-up commercial development

See development finance on developing.fund — our sister-site brand for ground-up schemes.

Real Results

Deals We've Structured

All case studies

£3.8m

£3.8m Commercial Purchase

Manchester

£5.2m

£5.2m Office Acquisition