Not all services we offer are covered by the FCA
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Not all services we offer are covered by the FCA
Commercial bridging finance can be the best solution when you require money within a short time to purchase or refinance a business premise. It is a quick-fix loan that assists in closing property transactions in a hurry, normally in a few days. A bridging loan provides flexibility and access to funds, whether you are a developer, investor, or business owner, without the time-consuming process of taking a normal bank loan.
A commercial bridging loan is a short-term loan that is secured on commercial property. It fills the money gap between the purchase of property and the long-term financing or disposal of property.
This is usually a 1-24-month loan that charges interest ranging between 0.75 and 1.4% monthly. Any kind of property and exit plan can have you borrowing between 25,000 and over 100 million.
Quick Facts:
Brickflow is one of the UK’s top digital platforms for finding and applying for commercial bridging loans. It lets you compare 100+ lenders in seconds and apply online with a single form.
Here’s how it works:
You’ll get the best available rates, lowest fees, and fast responses — often within an hour.
Feature | Residential Bridging Loan | Commercial Bridging Loan |
Property Type | Homes, buy-to-let | Shops, offices, warehouses, land |
Regulation | FCA regulated | Usually unregulated |
Borrower Type | Individual | Businesses/Companies |
Loan Purpose | Buying/selling a home | Business or investment use |
A commercial bridging loan will be required in the event that your property is over 40% commercial. In the case of mixed-use property (such as shops and the flats above), it is a semi-commercial loan.
You usually need:
Even if your credit isn’t perfect, many lenders will still consider you—especially if your property has strong resale or rental value.
Speed
Funding can be completed in days—not months like traditional loans. Perfect for auction purchases or urgent deals.
Flexibility
You can borrow for a few months or up to two years and repay early without big penalties.
Easier Approval
Lenders focus more on property value than credit score.
Business Growth
Use your property equity to fund new projects, buy stock, or expand your business.
Pro Tip: Using Brickflow speeds up lender communication and reduces legal delays.
Commercial bridging finance can be used for:
It’s one of the most versatile finance tools for property professionals.
You already have a fixed exit plan (like a sale completion date).
You don’t have a set repayment date—more flexible but slightly higher interest.
You must use it for construction or renovation projects.
Secured against business property or assets to fund operations.
Common repayment methods include:
Your lender will want a clear plan for how you’ll pay off the loan at the end of the term.
To apply, you’ll typically need:
An average commercial bridging loan will finish within 2-4 weeks, depending on the speed of the valuations and legal work. It can be filled within a week in case all the required materials are available.
To speed things up:
Although bridging finance is quick and adaptable, it is not completely risk-free:
To have a loan, one should always have a qualified solicitor to read the loan terms before signing.
Before applying, make sure you:
A ready application makes it easier to get a better rate and get approved.
Many people think commercial bridging loans are only for emergencies. Actually, they are a smart way to grow fast. Investors, developers, and small business owners can use them to act quickly when time is important.
Here are some real examples.
A property investor in Manchester found an empty warehouse at auction. Banks wouldn’t lend because it needed repairs.
He used a 6-month bridging loan to buy it and fix it quickly. Later, he switched to a long-term loan.
Result:
A logistics company in Birmingham wanted a warehouse next door. They had 21 days to complete the deal. The bank was too slow.
Using Brickflow, they got a bridging loan in 10 days. They completed the purchase and later changed to a cheaper long-term loan.
Result:
A café owner in London wanted a second branch. Waiting for a bank loan would take too long.
She used a 12-month bridging loan secured on her first café. The new branch opened in 2 months. Later, she refinanced both cafés under one low-interest loan.
Result:
A developer in Leeds used a 9-month bridging loan to buy land and start building six flats. Long-term funding came later.
Result:
A manufacturing company in Sheffield used a bridging loan to pay suppliers while waiting for a client payment.
Result:
These stories show that bridging loans frida finance aren’t just for emergencies. They let you act fast, grow your business, and grab opportunities before others.
Using Brickflow, you can compare loans from many lenders quickly, find the best deal, and save time and paperwork.
Image Suggestions:
One of the quickest methods of financing property deals in the UK is commercial bridging finance. It is flexible, cash is easily available, and there are fewer restrictions as compared to traditional bank loans; hence, it is ideal for developers, investors, and growing businesses.
Before applying:
A business bridging loan can also be used to the advantage of your project and get it going in the most effective way possible with the correct planning.
Your consultant will confirm the amount before you choose to proceed but we estimate it to be 1% of the total borrowing.
