All figures on this website are indicative figures based on typical outcomes from our partner brokers (subject to eligibility).

Commercial bridging loans provide short-term capital until longer-term funding is arranged. Borrowers usually repay the loan after completing a property sale, refinancing, or securing alternative finance. Lenders assess the security, loan size and project type to determine suitability.

No.

Commercial bridging loans are commonly used for property purchases, development projects, auction purchases, refinancing existing loans, or bridging short-term business funding gaps. These loans provide flexibility for time-sensitive financial needs.

From £70,000

The speed of a commercial bridging loan depends on the lender, property type and complexity of the transaction. In many cases, short-term commercial finance can be arranged within a few days to weeks, subject to valuation, legal checks and lender criteria.

1. Regulated Bridging Loans
Supervised by the FCA: These loans fall under the Financial Conduct Authority (FCA) rules in the UK.
Consumer protection applies: Borrowers benefit from protections like fair treatment, clear disclosures, and the right to complain.
Typically for individuals: Usually applies when the borrower is a consumer or individual, not a business.
Use restrictions: Often must be used for residential property rather than purely commercial purposes.
Interest rates and fees: Must comply with FCA rules on transparency and affordability checks.
2. Non-Regulated (Unregulated) Bridging Loans (Connected services third parties provide)
Not FCA-regulated: No direct FCA oversight. This does not mean unsafe but consumer protections are limited.
Designed for businesses & commercial property: Often used by developers, investors, or companies to fund commercial deals or complex projects.
Flexible lending: Lenders can consider higher-risk or non-standard cases, unusual credit situations, or unique property types.
Faster decisions and fewer restrictions: Ideal for urgent, time-sensitive transactions where traditional lenders may hesitate.
Higher costs: Because they are short-term and flexible, interest rates and fees are usually higher than regulated loans.

Lenders usually require the loan to be secured against a commercial or semi-commercial property. The value and type of property, plus the loan-to-value (LTV) ratio, determine eligibility and terms for commercial bridging loans. A broker can advise you further.

Yes, land that is not yet developed can be harder to finance than land with planning permission, so lenders often prefer plots with clear development potential.

To request a commercial bridging loan, lenders typically require basic information about the property, the purpose of the loan, and the borrower or business. This may include the property type and value, desired loan amount, timescale for funding, and details of any existing finance. Some lenders may also request proof of ownership, identification, or financial statements. Providing accurate details helps specialist lenders and brokers assess potential short-term commercial finance options efficiently.

Most bridging loans in the UK are 60–75% LTV, meaning the loan covers 60–75% of the property or project value. Some specialist lenders may go higher, but 100% is almost never offered.

This depends on the lender and how quickly you react to messages and are able to supply necessary details

Yes

To request funding options for a commercial bridging loan, submit your details through our enquiry form. Your information may be shared with specialist commercial finance providers who can contact you with potential funding options.