Fast track Commercial Bridging Finance

Fast, flexible commercial bridging finance for business property purchases, refinancing, and development. Access to 130+ specialist lenders with competitive rates from 0.50% per month.

✓ Same-day decisions
✓ Funding in 7-14 days
✓ Rates from 0.45% monthly
✓ Up to 75% LTV available

What is Commercial Bridging Finance?

Short-term secured lending for commercial property transactions requiring speed and flexibility. Ideal when traditional commercial mortgages are too slow or don't fit your business needs.

Key Benefits:

• Fast completion - funding within 2 weeks

• Flexible criteria - adverse credit considered

• Interest rolled up or serviced monthly

• No early repayment charges on many products

• Exit strategies include sale, refinance, or development

Commercial Property Types we help Finance

Office & Business Premises:

• Office buildings and suites

• Business parks and centres

• Serviced offices

• Co-working spaces

Retail Properties:

• High street shops

• Shopping centres

• Retail parks

• Restaurants and cafes

Industrial & Logistics:

• Warehouses

• Distribution centres

• Manufacturing facilities

• Storage units

Specialist Commercial:

• Hotels and guest houses

• Care homes and nursing homes

• Leisure facilities and gyms

• Student accommodation (PBSA)

• Healthcare and medical centres

• Petrol stations

• Pubs and licensed premises

Mixed-Use Properties:

• Residential above commercial

• Multi-tenanted buildings

• Portfolio acquisitions

Commercial Bridging Finance Key Features

Loan Details:

• Amount: £25,000 - £50 million

• LTV: Up to 75% (limited company or personal security)

• Rates: From 0.45% per month

• Terms: 1-24 months (extensions available)

• Security: First or second charge

• Arrangement fee: 1-2% (negotiable on larger loans)

Flexible Options:

• Regulated and unregulated loans

• Personal and limited company borrowers

• UK and overseas applicants

• Vacant or tenanted properties

• Properties requiring refurbishment

• Auction finance available

When to use Commercial Bridging Finance

Purchase Scenarios:

• Quick acquisitions - Beat competitors with fast completion

• Auction purchases - 28-day completion deadlines

• Chain breaks - Bridge the gap when timing doesn't align

• Below market value deals - Secure opportunities requiring speed

• Property portfolio expansion - Rapid growth funding

Refinancing Needs:

• Commercial mortgage refinance - Replace expensive lending

• Cash flow solutions - Release equity for business needs

• Debt consolidation - Simplify multiple commercial debts

• Development exit - Temporary hold before permanent finance

• Loan arrears - Prevent repossession or forced sale

Business Situations:

• Relocation - Move premises quickly

• Property investment - Add to commercial portfolio

• Business expansion - Fund new locations

• Lease expiry - Purchase freehold before lease ends

• Divorce settlements - Buy out business partners

Commercial Bridging vrs Commercial Mortgage

When Bridging is Better:

• Need funding within 2 weeks (not 3-6 months)

• Property needs refurbishment

• Business has limited trading history

• Adverse credit on file

• Non-standard property type

• Planning permission pending

• Temporary funding before long-term finance

Exit to Commercial Mortgage: Many clients use bridging to acquire property quickly, then refinance to a commercial mortgage once:

• Property is refurbished and tenanted

• Planning permission granted

• Business trading history established

• Credit profile improved

Commercial Bridging Finance Costs

Interest Rates:

• Standard rates: 0.50% - 1.5% per month

• Annual equivalent: 6.0% - 18% APR

• Rate factors: LTV, security, exit strategy, borrower experience

Fees & Charges:

• Arrangement fee: 1-3% of loan

• Exit fee: 0-1% (many lenders now nil)

• Valuation: £500 - £5,000 (depends on property value)

• Legal fees: £1,000 - £5,000+ (borrower and lender)

• Broker fee: No upfront cost - lender paid

Payment Options:

• Retained interest - Reserved within loan facility

• Rolled-up interest - Added to loan, paid at exit

• Serviced interest - Pay monthly to reduce total cost

Eligibility & Requirements

Borrower Types:

• Limited companies and PLCs

• Sole traders and partnerships

• LLPs and offshore companies

• Property investors and developers

• Business owners and entrepreneurs

• UK and international applicants

What Lenders Require:

• Viable exit strategy (sale, refinance, rental income)

• Adequate security (commercial or residential property)

• 25-30% deposit or equity (for up to 75% LTV)

• Professional valuation (RICS surveyor)

• Proof of funds for deposit and fees

• Business plan or purchase details

Credit Considerations:

• Adverse credit accepted (CCJs, defaults, arrears)

• Recent bankruptcy considered case-by-case

• Focus on security and exit, not credit score

• Transparent disclosure improves approval chances

Commercial Bridging Finance Application Process

Fast 6-Step Application:

1. Initial Enquiry - Discuss your requirements (15 minutes)

2. Lender Matching - We source best rates from 130+ lenders (24 hours)

3. Decision in Principle - Confirmation of lending terms (24-48 hours)

4. Valuation - Independent RICS survey arranged (3-5 days)

5. Legal Work - Solicitors complete documentation (5-7 days)

6. Funds Released - Money transferred, purchase completes (7-14 days total)

What You'll Need:

• Property details and purchase price

• Proof of deposit/funds available

• Photo ID and proof of address

• Recent bank statements

• Details of exit strategy

• Company accounts (if applicable)

Regulated vrs UnregulatedCommercial Bridging Finance

Unregulated (Most Common):

• Pure commercial property

• Investment property (not owner-occupied)

• No residential element

• Faster process, more lenders

Regulated (FCA Authorized):

• Mixed-use with residential element

• Owner-occupied business premises

• Property where borrower lives

• Additional consumer protections

We arrange both regulated and unregulated commercial bridging loans, regulated are done via our partner firm

Commercial Auction Finance

Beat the 28-Day Deadline:

Secured auction finance for commercial properties with guaranteed funding and completion before deadline.

• Pre-approval - Get Decision in Principle before bidding

• Fast completion - Fund within 28 days (or sooner)

• Flexible LTV - Up to 75% of purchase price

• All property types - Offices, retail, industrial, mixed-use

• Risk-free bidding - Bid with confidence knowing funds are ready

Auction Finance Process:

1. Property identified - we provide DIP within 24 hours

2. Successful bid - legal work starts immediately

3. Valuation fast-tracked - 2-3 days

4. Completion - typically 14-21 days from auction

Why chose Doulton Bridging Finance?

130+ Specialist Lenders
Unmatched panel including high street banks, private banks, challenger banks, and boutique lenders

Commercial Property Experts
Deep understanding of business property, valuations, and commercial lending criteria

Whole-of-Market Broker
Independent service - we find the best deal for you, not commission

Same-Day Decisions
Rapid turnaround with approvals within 24 hours

Competitive Rates
Access to best rates from 0.45% monthly through lender relationships

Complex Cases Welcome
Solutions for adverse credit, unusual properties, first-time investors

No Upfront Fees
We're paid by lenders - no cost until your loan completes

Personal Service
Dedicated broker managing your case from enquiry to completion

Commercial Bridging Finance FAQ’s

How much can I borrow?
£25,000 to £50 million depending on property value and LTV required

What LTV is available?
Typically up to 75% on commercial property, sometimes higher with additional security

How fast can I get funding?
Decision in principle within 24 hours, full funding within 7-14 days

Can I get commercial bridging with bad credit?
Yes - we specialize in adverse credit cases with focus on security and exit

Do I need planning permission?
Not always - we arrange loans on properties awaiting planning decisions

What if property is vacant?
Vacant commercial properties are acceptable with viable exit strategy

Can I use residential property as security?
Yes - residential property can secure commercial bridging loans

Are there early repayment penalties?
Most lenders now offer no ERC - check specific loan terms

What happens if I can't repay on time?
Extension options available (3-6 months typical), fees apply

Do I need a business plan?
Not always, but exit strategy must be clear and achievable

Commercial Bridging Finance Examples

Office Purchase - Birmingham

• Loan: £850,000 (70% LTV)

• Rate: 0.55% monthly

• Term: 12 months

• Use: Purchase city centre office building

• Exit: Refinanced to commercial mortgage after tenant secured

Retail Unit Acquisition - London

• Loan: £2.1 million (65% LTV)

• Rate: 0.65% monthly

• Term: 18 months

• Use: High street shop purchase

• Exit: Sold property at profit within 14 months

Industrial Warehouse - Manchester

• Loan: £1.5 million (75% LTV)

• Rate: 0.7% monthly

• Term: 24 months

• Use: Distribution centre acquisition and light refurb

• Exit: Long-term commercial mortgage

Mixed-Use Auction Win - Bristol

• Loan: £625,000 (70% LTV)

• Rate: 0.6% monthly

• Term: 12 months

• Use: Auction purchase (ground floor retail, flats above)

• Exit: Converted and sold individual units

Commercial Bridging Finance Checklist

Before Applying:

☑ Property identified and price agreed
☑ Deposit funds available (25-30%)
☑ Clear exit strategy planned
☑ Legal representation arranged
☑ Timeframe for completion known
☑ Additional security identified (if needed)
☑ Business plan prepared (if applicable)

We'll Handle:

☑ Lender sourcing and negotiation
☑ Valuation arrangement
☑ Application submission
☑ Legal liaison
☑ Drawdown coordination
☑ Ongoing support until completionommercial Bridging Loans from £25,000 to £50 Million

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