Commercial Bridging Loan Lenders
Commercial bridging loans are written by three distinct groups of UK lender: principal bridging lenders funded by institutional lines, challenger and specialist banks, and private or family-office funders. They price between roughly 0.85% and 1.25% per month, cap loan to value at 65%–70% of open market value on commercial security, and complete in two to six weeks. Which group suits you is decided by the asset and the exit, not by rate shopping — a vacant industrial unit with a sale exit and a tenanted office with a refinance exit go to different desks, and applying to the wrong one costs weeks and a valuation fee.
Criteria and pricing
What lenders on our panel will typically do on this product today.
- Loan to value
- Up to 70% on commercial; 75% on semi-commercial
- Rate
- 0.85% – 1.25% pcm, asset and exit dependent
- Loan size
- £150,000 to £25m+; private funders above that
- Term
- 6 – 24 months
- Arrangement fee
- 1.5% – 2%; exit fee of 1% on some facilities
- Security
- First charge; second charge with a deed of priority
- Interest treatment
- Rolled, retained or serviced from rental income
- Speed
- 2 – 6 weeks; 10 days where a desktop valuation is accepted
- Borrower
- UK or overseas company, SPV, LLP or individual
Worked example — vacant office bought for conversion
- Purchase price
- £1,400,000
- Gross bridge at 65% LTV
- £910,000
- Rate, rolled over 12 months
- 0.95% pcm
- Rolled interest
- ≈ £109,000
- Arrangement fee at 2%
- £18,200
- Day-one advance to solicitor
- ≈ £891,800
- Redemption at month 12
- ≈ £1,019,000
- Exit
- Refinance onto a term facility post-conversion
Figures are typical UK market ranges as at 2026 and are indicative only — your terms depend on the asset, the exit and the lender we place the case with.
Who this works for — and who it does not
You are likely to qualify if
- Commercial, semi-commercial or mixed-use security in England, Wales or Scotland
- A documented exit — sale, refinance or completion of a works programme
- Equity or deposit of at least 30% of the asset's value
- Clean title, or defects that can be insured or resolved within the term
- Directors willing to give personal guarantees on most corporate facilities
This is the wrong product if
- Regulated lending against a home you or your family occupy
- Cases with no exit beyond a hope of refinancing at a future valuation
- Specialist trading assets with no separate bricks-and-mortar value
- Borrowers who need the full facility on day one where works are involved
What actually happens, and when
- Day 0–1
Case placed
We match the asset and exit to the lenders that genuinely write it, rather than circulating it widely and burning goodwill.
- Day 1–3
Terms issued
Heads of terms with rate, LTV, fees and conditions. Comparable terms from two or three lenders where the case is strong enough to merit it.
- Day 5–14
Valuation and legals
Valuation instructed on acceptance; solicitors instructed in parallel rather than after the report lands.
- Week 3–5
Completion
Funds drawn. Where a desktop or drive-by valuation is accepted, this compresses to ten days.
Frequently asked
Request indicative terms
Four details are all a lender needs to price a case: how much, what secures it, when you need it and how it is repaid. Send those and we come back with realistic terms — or tell you plainly that the case will not place.
Request indicative terms
Tell us the four things every lender asks first. We come back with realistic terms, usually the same working day.