Commercial Bridging Loans

commercial bridging loans
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    Commercial Bridging Loans

    Our advisers have access to the best commercial bridge mortgage loans in the market and will be able to guide you through the process, application, and securement of bridging finance.

    We’re commercial  bridging loan experts

    Commercial bridging loans offer a short-term funding solution for businesses, landlords, property developers and land owners in the UK. You can take a commercial bridge loan out over terms as little as 2 weeks or up to 3 years, and it can be used as a form of interim finance secured against an asset.

    Commercial bridging loans we can help with

    Our advisers have access to the best commercial bridge mortgage loans in the market and will be able to guide you through the process, application, and securement of bridging finance. Contact our team today for free bridging advice.

    Farming & Agriculture

    Our advisers can also help farmers looking to expand their property and land.

    Hotels & Developments

    Find out how you can get bridging finance quick for your next hotel development project.

    Landlord Bridging Loans

    You could make up a cash shortfall to finance the next property in your portfolio.

    Limited Company Bridging Loans

    See how your company could benefit from short-term corporate bridging finance.

    Bridging Loans for VAT

    Get commercial bridging finance to pay your VAT bill in a short space of time through us.

    Large Bridging Loans

    Our experts can help to secure a large bridging loan from a range of specialist lenders.

    Buy-to-let Bridging Loans

    Bridging finance could let you acquire property at auction or the buy to let market.

    Business Bridging Loans

    Our team of advisers can help to secure a bridging loan for your professional business.

    New Build Bridging Loans

    If you’re planning to build a home for yourself or invest in a development, we also specialise in new build loans.

    Free commercial bridging loan consultations

    For a free phone consultation on how our advisers can help you find short-term commercial bridging finance for your business, complete the enquiry form or call our number now.

    What is a commercial bridging loan?

    A commercial bridging loan is a type of short-term finance solution to help investors purchase commercial properties. At Bridging Options, we offer loans based on your individual circumstances and can help you secure the most appropriate loan with the best interest rates for your investment property.

    How does a commercial bridging loan work?

    Commercial bridging loans provide short-term finance to facilitate a property purchase or release funds from an existing commercial property.

    These types of loans tend to have a term period of around 12-24 months. Typically, the interest rate on a commercial bridging loan is likely to be much higher than that of a traditional commercial mortgage. This is usually because the bridging loan is more risky for the lenders and is provided as a short-term solution.

    Borrowers can secure the loan based on the valuation of their desired commercial property and use the funds for acquisition. They will need to have a clear exit strategy in place to repay the loan, which can include selling the estate or securing long-term financing such as a commercial mortgage.

    What can a commercial bridging loan be used for?

    Commercial bridging loans can be a helpful tool for commercial property investors and businesses. They are a smart option for when traditional commercial mortgages are not viable.

    Commercial property purchases

    A commercial bridging loan can be a useful financing option for purchasing a commercial property, especially if you need to act quickly or have unique circumstances that make it more challenging to secure traditional financing. A commercial building is used for business purposes and might include office spaces, hotels or shopping centres.

    Retail units

    Using a commercial bridging loan for purchasing retail units can be a quick and hassle-free solution to starting your new investment. Retail space can be standalone shops, a unit within a shopping centre or a commercial space intended for retail use. Since you’ll likely be competing to secure your ideal retail property, commercial bridging finance is an excellent way to get ahead and snap up the purchase.

    Industrial estates

    Commercial bridging loans offer a practical finance solution for purchasing industrial estates such as warehouses, distribution centres or manufacturing facilities. Using commercial finance for industrial units is a faster way to secure the funds for your venture and purchase your desired property.

    What percentage can you borrow on commercial property?

    The percentage you can borrow for commercial properties will usually depend on your eligibility and the value of the property you intend to purchase. The loan amount you can secure will typically be between 65% and 75% of the property value, although this can vary depending on lenders.

    FAQs on Commercial Bridge Loans

    For more information about our commercial bridge loans, please take a look at some of our most frequently asked questions below:

    What is the difference between a commercial bridging loan and a residential bridging loan?

    While they both offer short-term and flexible finance solutions, there are some slight differences between a commercial bridging loan and a residential bridging loan, including their intended use and property types.

    A commercial bridging loan is typically used to facilitate the purchase of commercial properties, such as retail units, office spaces and industrial units. Alternatively, a residential loan is used to purchase and facilitate residential properties, such as buying a new home before selling your current one or as a form of development finance.

    Does commercial bridging finance have higher interest rates?

    Commercial bridging finance tends to have higher interest rates than residential bridging finance due to the increased risks associated with commercial properties. Since these types of property are often used for business purposes, they can come with more complexities and a more significant fluctuation in value. This can result in commercial lenders charging higher rates.

    Our services offer a comprehensive market view, meaning you can access some of the most competitive loan rates out there.

    What can your business use as security?

    When applying for a commercial bridging loan you will have to secure the finance against an asset that is already owned by your business. All lenders have slightly different criteria for what they will secure the finance on.

    Our panel of expert advisers and brokers will be able to assess your current commercial assets and advise you on how best to secure your commercial bridging loan finance.

    Assets that are typically used for securing commercial bridging loans are property, land, vehicles, & machinery.

    Why do commercial bridging loans require a security?

    When you apply for commercial bridging finance, you will be securing the loan against an asset as outlined above.

    This is because commercial bridge finance is a short-term quick financing option, lent against an asset; therefore, the checks have to be made quickly and finance to be secured fast.

    By securing against an asset it reduces the risk to the commercial bridging lender. They will be lending against a security that you own, thus reducing the risk and speeding up the underwriting process.

    How much can I borrow for a corporate bridging loan?

    The amount of finance available depends on the value of your assets and how much you can secure against your existing asset.

    Our brokers have access to large panel of specialist lenders who can go up to as high as 80% of the asset value.

    But this will depend on the type of asset you have for bridging. Commercial loans will be assessed on an individual basis with the support of our advisers.

    Typically bridging loans in the UK will be anywhere between £25,000 to £20 million.

    It is possible to borrow more though, and our advisers have experience in working on large bridging loans for commercial purposes.

    Why choose us for commercial bridging loans?

    As a commercial property investor, we understand the importance of securing finance quickly and efficiently in time for your next property venture. That is why we created Bridging Options, to help businesses and commercial property investors secure the finance they need with ease and access the best deals on the market.

    Choose Bridging Options to arrange commercial bridging finance for your next commercial property. Contact us today for an informal chat and a free, no-obligation quote.

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    Complete the form to arrange your initial free phone consultation with our bridging loan specialist:

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    COMMERCIAL LOANS

    Commercial bridging loans offer a short-term funding solution for businesses, landlords, property developers and land owners in the UK.

    RESIDENTIAL LOANS

    Residential bridging loans are a popular and useful form of property finance, but at Bridging Options, we appreciate that comparing different rates and terms can be complex and confusing.

    Development Loans

    Development finance offers short-term funding to those who need help with the purchasing and/or building costs of a construction project.

    Free Credit Check Report

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    Why choose Bridging Options?

    As a commercial property investor, we understand the importance of securing finance quickly and efficiently in time for your next property venture. That is why we created Bridging Options, to help businesses and commercial property investors secure the finance they need with ease and access the best deals on the market.