Pure Commercial Bridging Loans: Swift Capital for Your Business Needs
Are you a business owner or property investor seeking to capitalise on commercial opportunities quickly?
Our Pure Commercial Bridging Loans offer the rapid financial solution you need. Whether you’re awaiting a property sale or arranging long-term finance, we’ll find the capital to keep your business moving forward.
Expert finance advice
tailored to you
Quality service
Fast, friendly and professional service.
Lender Choice
Over 250 Banks, Hedge Funds, Family Offices & more.
Experience
Over 15 years of specialist finance broking.
Bespoke Lending
Finance tailored specifically to meet your needs.
Swift Solutions for Time-Sensitive Deals
In commercial property, timing is critical.
We broker bridging loans that enable you to act quickly, securing prime real estate before your competitors.
From office spaces to retail units, industrial facilities to mixed-use developments, we source flexible financing options tailored to your specific requirements.
We also arrange loans for essential machinery and equipment, giving your business the edge it needs in a competitive market.
explore bridging loans
Bridging the Gap in Commercial Finance
A bridging loan serves as a financial stop gap.
It’s a short-term solution that takes you from where you are to where you want to be.
We typically arrange commercial bridge loans repayable within 12 months, offering flexibility without long-term commitments or early repayment penalties.
Here’s how it works:
You spot an opportunity, but your funds are tied up elsewhere. Perhaps you’re waiting for a property to sell, or you’re securing a traditional mortgage.
We step in, sourcing the funds you need quickly, allowing you to seize the opportunity. Once your other finances come through, you repay the bridging loan.
Tailored Short-term Finance
We recognise that every business has unique challenges and opportunities.
That’s why we broker bespoke financing solutions aligned with your specific needs.
We source commercial bridging loans ranging from £200,000 to £70,000,000, catering to various business sizes and ambitions.
With access to lenders offering loan-to-value (LTV) ratios up to 70%, we ensure you have the capital you need to realise your plans.
Our network of lenders offers flexible terms from 3 to 24 months, allowing you to choose a repayment schedule that suits your cash flow and business strategy.
Let’s Talk!
Competitive Rates and Flexible Terms
We negotiate some of the most competitive rates in the market.
This means you can access the capital you need affordably.
We believe in giving you the freedom to manage your finances on your terms. That’s why we prioritise lenders who don’t impose early repayment penalties.
If you’re able to repay your loan ahead of schedule, you can, without additional costs.
A Wide Range of Applications
Commercial bridging loans are versatile financial tools that can address a wide range of business needs.
From seizing time-sensitive property opportunities to boosting liquidity and enhancing existing assets, these short-term loans offer flexibility and speed. Let’s explore some of the key applications where commercial bridging finance can make a significant difference to your business or investment strategy.
Seize Property Opportunities
In commercial property, opportunities often come with tight deadlines.
We broker bridging loans ideal for situations where speed is essential.
Auction purchases are a prime example.
When you find a promising property at auction, you need to complete the purchase within 28 days. Traditional lenders can’t move that quickly.
We can source lenders who can, ensuring you don’t miss out on potentially profitable deals.
Similarly, if you discover an unmissable property opportunity in the open market, our quick turnaround times mean you can make an offer confidently, knowing we’ll arrange the funds when needed.
Boost Your Business Liquidity
Sometimes, it’s about maximising what you already have.
Bridging loans can be used for refinancing or capital raising, allowing you to release equity from your existing commercial properties.
This can provide a welcome boost to your working capital, helping you invest in growth, manage cash flow, or fund other business opportunities.
We also arrange solutions for temporary cash flow issues.
Perhaps you’re experiencing a gap between outgoings and income, or you’re awaiting payment on a large contract. We can source bridging loans to provide the short-term liquidity you need to keep your business running smoothly.
Enhance Your Commercial Assets
Improving your commercial properties can significantly increase their value and appeal to potential tenants or buyers.
We have bridging loans that can fund light to medium refurbishments, allowing you to upgrade your assets without depleting your cash reserves.
Planning permission can also add substantial value to a property.
However, the process can be lengthy and uncertain. We can arrange loans to provide the financial backing you need during this period, allowing you to proceed with confidence.
Eligible Properties
We broker financing solutions for various commercial properties, including:
- Retail spaces and high street shops
- Restaurants and hotels
- Office buildings
- Industrial warehouses and factories
- Student housing
- Mixed-use developments
- Garages and showrooms
Whether you’re expanding your own business premises or investing in property to let, we’ll source the right short-term loan to provide the quick capital you need.
How Are Bridging Loans Repaid?
Commercial bridging loans are designed as short-term financing solutions.
When you apply you need to have a clear repayment strategy in mind. The lender will be assessing this exit strategy very carefully.
The repayment method often depends on the purpose of the loan and the borrower’s financial situation. Here are the most common repayment approaches:
Sale of Property
Many borrowers use the proceeds from selling the property to repay the bridging loan.
This is particularly common when the loan was used to purchase a property for renovation and resale. Once the property is sold, the loan is repaid from the sale proceeds.
Refinancing
Some borrowers transition from a bridging loan to a longer-term finance solution, such as a commercial mortgage.
This is often the case when the bridging loan was used to secure a property quickly, and the borrower then arranges more traditional financing to repay the bridge.
Business Cash Flow
In cases where the bridging loan was used for business purposes rather than property acquisition, it might be repaid through the company’s regular cash flow, perhaps when a large invoice gets paid.
VAT bridging loans are used to cover the VAT on a commercial property purchase, with repayment via the HMRC VAT refund.
Lump Sum Payment
Some borrowers may have a lump sum coming in from another source – such as the sale of another asset or an expected business windfall – which they use to repay the loan at the end of the term.
Why Choose Bridging Finance London
When you choose Bridging Finance London to broker your commercial bridging loan, you’re gaining a partner dedicated to your success.
Here’s why we stand out:
- Support: We’re with you every step of the way, from initial enquiry to loan repayment.
- Expertise: Our team has years of experience in commercial property finance.
- Speed: We understand the importance of quick decisions and fast funding.
- Flexibility: We source loans tailored to your specific needs and circumstances.
- Transparency: No hidden fees or surprises – we’re upfront about all costs.
Don’t let opportunities pass you by.
With us on your side you can access the commercial property finance you need, when you need it. Get in touch today and take the first step towards your next successful venture.
contact us
Expert Support Throughout Your Journey
Our team of experienced commercial finance brokers brings extensive knowledge to every deal.
We take the time to understand your unique situation, goals, and challenges, allowing us to source and structure a financing solution perfectly tailored to your needs.
Our support continues throughout the entire term of your loan and beyond. Whether you need advice on managing your bridging loan or guidance on potential exit strategies, our team is always just a phone call away.
