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
Tell us the four things every lender asks first. We come back with realistic terms, usually the same working day.