Why Choose Commercial Bridging Specialists?

Commercial Property Expertise

Our commercial bridging finance team understands the complexities of business property transactions:

• Commercial valuations using RICS-qualified commercial surveyors

• Business rates and planning considerations for different property uses

• Lease structures and tenant covenant assessments

• Exit strategies including commercial mortgage refinancing

Specialist Commercial Lenders

Access to lenders who specifically focus on commercial bridging:

• Commercial banks offering competitive rates for established businesses

• Property funds specializing in commercial real estate finance

• Private lenders for complex or time-sensitive commercial deals

• Alternative financiers for challenging commercial property situations

Commercial Bridging Finance Applications

Business Property Acquisition

• Urgent commercial purchases requiring fast completion

• Auction property wins with tight completion deadlines

• Chain breaking when selling existing commercial premises

• Opportunity purchases at below-market value

Commercial Refinancing

• Mortgage redemption to release equity for business expansion

• Development exit from construction to investment mortgage

• Portfolio refinancing across multiple commercial properties

• Distressed asset refinancing for struggling commercial properties

Business Expansion Finance

• Additional premises acquisition for growing businesses

• Franchise expansion funding for established franchise operations

• Equipment finance secured against commercial property

• Working capital release through commercial property equity

Commercial Property Sectors We Finance

High Street Retail (Recovery Opportunities)

Despite retail challenges, selective opportunities exist:

• Prime locations with strong footfall and parking

• Mixed-use properties reducing reliance on retail alone

• Essential retail including supermarkets and pharmacies

• Experiential retail offering services alongside products

Industrial & Logistics (Strong Growth Sector)

E-commerce growth driving demand for:

• Last-mile delivery centers near urban populations

• Warehouse automation facilities for modern logistics

• Cold storage for food and pharmaceutical distribution

• Manufacturing reshoring bringing production back to UK

Office Space (Flexible Working Solutions)

Evolution of office use creating opportunities in:

• Flexible workspace and co-working facilities

• Hybrid office solutions for distributed teams

• Professional services hubs in suburban locations

• Creative industries workspace in converted properties

Commercial Bridging Finance Process

Step 1: Commercial Assessment (1-2 Days)

Evaluate your commercial property opportunity, including:

• Property valuation and income potential

• Business plan and cash flow projections

• Exit strategy and refinancing options

• Risk assessment and mitigation strategies

Step 2: Lender Selection (2-3 Days)

Match your commercial project with suitable lenders based on:

• Property type and location preferences

• Loan amount and LTV requirements

• Business sector experience and appetite

• Speed and flexibility requirements

Step 3: Application & Documentation (3-5 Days)

Complete commercial bridging finance application including:

• Business accounts and financial projections

• Commercial property details and valuations

• Personal and business credit information

• Legal and professional advisor details

Step 4: Commercial Valuation & Legal (5-10 Days)

Professional commercial property valuation and legal due diligence:

• RICS commercial valuation report

• Commercial property legal searches

• Lease documentation review (if applicable)

• Environmental and planning checks

Step 5: Funds Release (7-21 Days)

Commercial bridging finance completion and fund transfer:

• Legal completion with commercial property solicitors

• Funds transferred for commercial property acquisition

• Loan documentation and security registration

• Ongoing account management and exit planning