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
Share your funding amount, security, timing and repayment plan. A specialist will review the case and discuss suitable funding options, subject to lender assessment.