Commercial Bridging Loans
Flexible short term finance for commercial property purchases, refinancing or unlocking equity tied up in your business assets.
Flexible Finance for Commercial Property and Mixed Use Projects
If you need funding quickly to buy, refinance or unlock equity from a commercial property, bridging finance can help. Whether you are purchasing a retail unit, refinancing an office block or converting a mixed use building, commercial bridging loans offer the speed and flexibility to get the deal done.
At Bridging Finance Broker, we arrange fast and competitive commercial finance for business owners, investors and developers. Our goal is to help you act quickly on time sensitive opportunities with funding that fits your project.
What Is a Commercial Bridging Loan?
A commercial bridging loan is a short term loan secured against commercial property, land or mixed use real estate. It is typically used for up to twelve months to bridge the gap between buying or refinancing and securing a longer term financial solution.
This type of loan can help when you need to:
Purchase a commercial property or premises
Release equity from an existing commercial asset
Refinance away from an expensive or expiring facility
Prepare a property for sale, letting or remortgaging
Whether you are an investor, developer or business owner, commercial bridging gives you fast access to capital without long delays or rigid terms.
Why Use Commercial Bridging?
Complete Quickly
Offers in 24 hours. Funds in 5–10 working days
Flexible Criteria
Properties without tenants or income considered
No long-term commitment
Exit via sale or refinance when ready
Solutions for complex ownerships and structures
Who Is Commercial Bridging Finance For?
Landlords and commercial property investors
Limited companies and special purpose vehicles
Developers working on commercial or mixed use sites
Business owners looking to buy or refinance their premises
We work with a broad range of lenders to match your deal to the property type, tenant situation and exit strategy—giving you the right funding solution without the usual delays.
Properties We Can Fund
Retail units and office buildings
Warehouses and industrial properties
Restaurants, pubs and hospitality venues
Care homes, clinics and educational facilities
Mixed use buildings, such as shops with residential flats above
Commercial properties that are either vacant or tenanted
Even if the property is currently unoccupied or in need of refurbishment, we can help you secure the funding needed to move forward with your plans.
Commercial Loan Features and Lender Criteria
Loan sizes from £100,000 to over £25 million
Terms ranging from 3 to 18 months
Interest rates starting from 0.75 percent per month
Loan to value up to 70 percent, with higher options available when additional security is offered
Repayment options include rolled up interest, monthly servicing or a combination of both
Security accepted includes commercial properties, semi commercial buildings and mixed use assets
We work with specialist lenders who understand commercial property and can tailor finance to suit your timeline, strategy and the nature of your asset.
Common Use Cases for Commercial Bridging
Buying a commercial property at auction
Refinancing away from an expensive loan or facility
Funding improvements to increase rental income or value
Bridging the gap before selling or arranging long term mortgage finance
We also support businesses looking to raise working capital by using their commercial premises as security for a short term bridging loan.
The Process
Initial assessment
Share your property, loan amount, and exit plan
Indicative terms
Get a tailored quote from our specialist lenders
Valuation & legal
RICS valuation and commercial legal review
Loan offer issued
Agree terms and sign documentation
Drawdown
Funds released and ready to use
Clear Communication
No jargon, no confusion, no chasing we keep you updated every step
Estimate Commercial Bridging Costs
Use our specialist bridging loan calculator to estimate your monthly interest and overall cost. It’s quick, easy, and tailored to your deal.
Frequently asked questions
Everything you need to know about the bridging finance broker
Can I get commercial bridging finance for a vacant property?
Yes. Many lenders will still offer loans even if the property is unoccupied—especially if you have a clear exit strategy.
What’s the difference between commercial and residential bridging
Commercial bridging involves business or investment-use properties, often with more complex valuation and exit conditions.
Do I need a tenant in place to apply?
Not always. Some lenders focus more on the asset and the future use/value than on current income.
Can I buy at auction using commercial bridging?
Yes. This is one of the most common reasons to use a commercial bridge—fast funds for auction completions.
Secure the Commercial Property You Need—Without Delay
We help landlords, investors, and business owners move fast with tailored commercial bridging loans. If you’re ready to secure a property or refinance your current one, let’s make it happen.