Commercial bridging finance for every kind of deal.
Bridging is short-term lending secured on property and repaid by a sale or a refinance. On commercial property it funds the purchases a mortgage cannot meet in time, the buildings a mortgage lender will not take yet, and the capital you need now.
Start with the job it does.
Commercial bridging is defined by the situation it solves. Choose the one closest to yours.
Business bridging loans
A business bridging loan secured on commercial property can fund cash flow gaps, premises purchases and tax bills while you wait for a known sum to land.
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Auction bridging finance
Auction bridging finance for commercial lots: get terms before you bid, check the legal pack and complete within the usual 28-day deadline with a clear exit.
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Refurbishment bridging
A refurbishment bridging loan funds the purchase and works on a commercial building, with staged drawdowns and an exit by sale or refinance on finished value.
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Commercial to residential
Commercial to residential conversion finance for shops, upper floors, pubs, barns, offices: bridging the purchase and works, then exit by sale or refinance.
Read more Fast commercial bridging
A fast bridging loan on commercial property depends on valuation, legal work and a clear exit. See realistic timelines, what slows deals and how to prepare.
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VAT bridging loans
A VAT bridging loan funds the VAT on a commercial property purchase opted to tax, repaid when HMRC refunds it. How it works, security, costs and TOGC basics.
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Bridging loans for land
A bridging loan for land funds a fast purchase of a site, with or without planning, then exits to development finance or a sale. See LTVs, costs and process.
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Commercial bridge to let
Commercial bridge to let finance buys vacant or under-let property, funds the letting period, then refinances onto a commercial investment mortgage.
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Capital raising on commercial property
Commercial property capital raise bridging releases cash from property you own for a purchase, tax bill or business need, on a first or second charge.
Read more Bridging for planning gain
A bridging loan for planning permission funds a purchase while you obtain consent, lending on today's value and repaid by sale or development finance.
Read more Buying business premises
A bridging loan to buy business premises lets your company secure its own building fast, then refinance onto an owner-occupier commercial mortgage.
Read moreDeals lenders treat as their own category.
Conversions, vacant buildings, discounted and distressed purchases each have their own underwriting.
Office to residential finance
Office to residential conversion finance for Class MA and full planning schemes: bridge the purchase, fund the works and exit by unit sales or refinance.
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HMO conversion finance
HMO conversion finance for commercial buildings and large houses: bridging for the purchase and works, then a refinance onto an HMO mortgage.
Read more Change of use bridging
Change of use bridging finance for offices to clinics, shops to restaurants, warehouses to trade counters: borrow on today's value, exit on the uplift.
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Vacant commercial property
Vacant commercial property finance for empty offices, shops and units: bridging on vacant possession value, void costs, insurance and exit by letting or sale.
Read more Below market value bridging
Below market value bridging finance explained: lending on valuation not price, the evidence lenders want and how the day-one valuation shapes your loan.
Read more Buying from receivers
Buying property from receivers finance: bridging for LPA receiver, administrator and liquidator sales, covering limited warranties, title insurance and speed.
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Semi-commercial bridging
A semi commercial bridging loan funds shops with flats, offices with apartments and similar buildings. See when it is regulated and how lenders assess it.
Read moreHow the loan is secured and sized.
Charge position, regulation, size and the lenders who write commercial bridging.
Second charge bridging
A second charge bridging loan raises funds behind your existing commercial mortgage. How consent, combined LTV, pricing and the legal process work.
Read more FinanceUnregulated bridging loans
An unregulated bridging loan is secured on investment or business property. See where the line with regulated lending sits and what protections differ.
Read more FinanceCommercial bridging lenders
Commercial bridging loan lenders compared: specialist lenders, banks, private credit funds and family offices, how appetite differs and why use a broker.
Read more FinanceLarge commercial bridging
Large bridging loans of several million and above: syndicated and fund lending, enhanced due diligence, valuation and bespoke terms on commercial property.
Read moreTell us about the property and the loan you need. We come back with indicative terms and tell you plainly if any part of it is regulated.