Short Term Commercial Property Loans
Short term commercial property loans are facilities of three to twenty-four months secured against commercial or mixed-use property, used where a term lender's timetable does not fit the transaction — an auction purchase, a lease event, a distressed vendor, a refinance that has to complete before a deadline. They run to 70% of value, price from about 0.85% per month, and complete in two to four weeks. The right question is never simply what they cost, but what the delay would cost: a discount secured or a deal saved usually dwarfs three months of bridging interest.
Criteria and pricing
What lenders on our panel will typically do on this product today.
- Term
- 3 – 24 months
- Loan to value
- Up to 70% commercial, 75% semi-commercial
- Rate
- 0.85% – 1.25% pcm
- Loan size
- £150,000 – £25m
- Arrangement fee
- 1.5% – 2%
- Interest
- Rolled, retained, or serviced from rent
- Speed
- 2 – 4 weeks typical; 10 days at pace
- Security
- First or second charge over commercial or mixed-use assets
- Exit
- Sale, refinance onto a term facility, or lease completion
Worked example — chain-break on a tenanted retail unit
- Property value
- £950,000
- Loan at 65% LTV
- £617,500
- Rate, serviced from rent
- 0.90% pcm
- Monthly interest
- ≈ £5,560
- Term used
- 5 months
- Arrangement fee at 2%
- £12,350
- Total cost of finance
- ≈ £40,150
- Exit
- Commercial term mortgage at completion of lease renewal
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 the UK
- A defined exit within the term, evidenced rather than assumed
- At least 30% equity in the asset
- Company, SPV, LLP, trust or individual borrowers considered
- Adverse credit considered where the security and exit are sound
This is the wrong product if
- Long-term funding needs — a commercial mortgage is far cheaper over years
- Cases where the exit depends on an event outside your control with no fallback
- Regulated lending against your own home
- Borrowers unable to cover valuation and legal costs up front
What actually happens, and when
- Day 0–1
Deadline mapped
We work backwards from your completion date, because on short-term commercial cases the timetable determines the lender as much as the pricing does.
- Day 1–3
Terms issued
Heads of terms with rate, fees, LTV and conditions, alongside a realistic completion date rather than an optimistic one.
- Day 4–12
Valuation and legals run together
Solicitors instructed alongside the valuation; title issues surfaced early rather than in the final week.
- Week 2–4
Completion
Funds drawn. Serviced facilities start collecting from the following month.
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.