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Commercial Bridging Loan

Adaptable, reliable bridging finance for commercial property or semi-commercial premises.

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Need help? Talk to our experts.

Bridging finance for commercial property

Commercial bridging loans are a short-term secured loan where the security offered by a borrower is either commercial or semi-commercial premises.

We’ll be your trusted advisors; an extension of your team working to find you the fastest, best value for money bridging loans to get your commercial project moving in the right direction.

  • Borrow from £125,000 to £15 million
  • Get your funds in as little as 48 hours
  • A more adaptable and flexible approach than commercial mortgages

See our latest testimonials from happy customers.

Hear from our customers
AdobeStock 236513698 1 - Commercial Bridging Loans
Find out more about our streamlined Rapid Bridging process here.
Discover our process

Rapid facts

Everything you need to know about residential bridging loans can be found here.
Ready to get started? Get your quote today.

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Eligibility

Sole traders, corporate, overseas and trust borrowers looking to purchase/refinance property in England, Wales and Scotland. We also have funding for Ireland.

Up to 70% loan to value

Minimum age

21

Maximum age

No upper limit – subject to underwriter review

Amount

£125,000 – £15 million

Duration

From 1 month – 3 years

Repayment

Monthly serviced or rolled up

Interest rate

From 0.55% per month

Security required

First or second charge registered against a property

Speed of decision

Quote within 10 minutes of enquiry, credit backed decision the same day

Timing of cash

Can be funded as quickly as 5 working days but normally in as little as 10 working days

Application process

Online enquiry, call, postal applications or face to face meeting

Reliably fund your commercial project

D Reliably fund your commercial project - Commercial Bridging Loans

By working with us, you’re gaining access to over 30 years of bridging loan experience. We’ll get under the skin of your business, giving us the knowledge required to approach the right lenders and secure you a fully tailored bridging loan for your needs.

A commercial bridging loan is perfect for:

Commercial property – including but not limited to business parks, care homes, factories, guest houses, hotels, industrial units, offices, professional Practices, pubs and bars, restaurants, a retail unit, places of worship, and warehouses you own.
Mixed-use property – use a semi-commercial bridging loan for property where less than 40% of available space is used for commercial purposes.
Unmortgageable property – commercial or mixed-use property whose condition is so poor that no standard mortgage could be secured on it (including no bathroom, no kitchen, derelict, and non-standard builds).
Greenfield/brownfield land (with or without planning permission) – for commercial, industrial, or trading estates.
Auction property – fund the deposit or outright purchase (including auction fees) of commercial and semi-commercial property (once you have secured your purchase at auction).

Ready to apply for your development bridging loan?

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What our customers say

These testimonials are based on individual
circumstances and cannot be taken as a guide or advice.

“We were unable to get a loan anywhere. Nobody would fund building the house. We then approached Andrew who was unbelievably helpful. He was the only person who would even entertain the idea of trying to help”.

- PETER TILLET

Hear more from our customers

“Andrews nature and experience allowed for him to cut through some problems that we found with the other professionals. IE the solicitors and the banks”.

- ALAN OVERTON

Hear more from our customers

For regulated bridging loans the typical APR is 14.60% based on a loan size of £250,000 and fixed for 12 months, regulated bridging loans are for a maximum term of 12 months.

Our trusted lenders

COMMERCIAL AND DEVELOPMENT BRIDGING LOANS ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.

WE ARE A CREDIT BROKER, NOT A LENDER. WE WILL RECEIVE COMMISSION FROM LENDERS. DIFFERENT LENDERS PAY DIFFERENT AMOUNTS DEPENDING ON DIFFERENT COMMISSION MODELS. FOR TRANSPARENCY WE WORK WITH THE FOLLOWING COMMISSION MODEL: PERCENTAGE OF THE AMOUNT YOU BORROW AND RATE FOR RISK (THIS IS BASED ON THE RISK PROFILE Of THE BUSINESS )  FURTHER DETAILS OF THE COMMISSION MODEL, CALCULATION AND AMOUNT WILL BE DISCLOSED TO YOU THROUGHOUT YOUR CUSTOMER JOURNEY.

Why use commercial bridge loans?

Commercial bridging loans are a short term secured loan where the security offered by a borrower is either commercial or semi-commercial premises.

Bridging lenders offer a far more adaptable and flexible approach to borrowers than commercial and semi-commercial mortgage providers. You can borrow over as little as 30 days right up to 36 months with interest charged daily.

Unlike when applying for commercial and semi-commercial mortgages, where it can take up to 3 months to receive funding, we aim to provide our borrowers with the finance they need in as little as 48 hours, but some commercial bridge loans can take 10 days to agree.

Start an application

Bridging loan myths

  1. Bridging loans are last resorts – no! Bridging loans are flexible, convenient and accessible funding.
  2. Bridging loans are always risky – no! However, there is still risk associated with any loan. We recommend taking advice on exit strategies from an FCA regulated and Cemap Qualified Broker.
  3. Bridging loans are expensive – no! Only when they are not repaid in full and on time.

Can I get a commercial bridge loan with poor credit?

development project support 1 - Commercial Bridging Loans
Rapid Bridging’s lenders are able to lend to those applicants that have a poor credit history, including those with arrears, bankruptcies, CCJs, defaults, IVAs, response orders, statutory demands, winding up orders and more. In these cases, lenders will often require borrowers to provide a wider range of exit strategies because of the concern that they will be unable to obtain the finance necessary to repay the loan. Please do not be put off from applying – we have years of experience helping clients with poor credit ratings find the funding they need.

Ready to apply for your commercial bridging loan?

Start an application
Get in touch

Commercial bridging loans are great for:

retail units warehouse 1 - Commercial Bridging Loans

Retail units and warehouses

land with without permission 1 1 - Commercial Bridging Loans

Land with or without planning

resturants cafes 1 - Commercial Bridging Loans

Restaurants and cafés

industry factories 1 - Commercial Bridging Loans

Industrial units and factories

settle insolvency matters 1 - Commercial Bridging Loans

Settle insolvency matters

prevent reprossession 1 1 - Commercial Bridging Loans

Preventing repossessions

guest house 1 - Commercial Bridging Loans

Guest houses

nursing care home 1 - Commercial Bridging Loans

Nursing and care homes

hotels pub 1 - Commercial Bridging Loans

Hotels and public houses

offices 1 - Commercial Bridging Loans

Offices

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Get expert advice

Don’t just take our word for it

The relationships we build with our customers are incredibly important to us. Hear what they have to say, and learn why people across the UK rely on Rapid Bridging time and time again.

See more testimonials
“Andrews nature and experience allowed for him to cut through some problems that we found with the other professionals. IE the solicitors and the banks”

ALAN OVERTON

Hear more from our customers
Alan Overton profile 1 - Commercial Bridging Loans
“We were unable to get a loan anywhere. Nobody would fund building the house. We then approached Andrew who was unbelievably helpful. He was the only person who would even entertain the idea of trying to help”

PETER TILLET

Hear more from our customers
Peter Tillet profile - Commercial Bridging Loans
“Without Andrew, I would’ve lost the property. This would’ve caused no end of issues not just personally but for my business as well. Without Andrew and these services, I would’ve lost everything”

ADAM LINFORD

Hear more from our customers
Adam Linford profile - Commercial Bridging Loans

Contact us

Fast-track and quick bridging loans nationwide. Enquire today and we’ll get back to you within 10 minutes.

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  • info@rapidbridging.com

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Rapid Bridging Ltd are a National Association of Commercial Finance Brokers (NACFB) Approved Member

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WE ARE A CREDIT BROKER, NOT A LENDER. WE WILL RECEIVE COMMISSION FROM LENDERS. DIFFERENT LENDERS PAY DIFFERENT AMOUNTS DEPENDING ON DIFFERENT COMMISSION MODELS. FOR TRANSPARENCY WE WORK WITH THE FOLLOWING COMMISSION MODEL: PERCENTAGE OF THE AMOUNT YOU BORROW AND RATE FOR RISK (THIS IS BASED ON THE RISK PROFILE Of THE BUSINESS) FURTHER DETAILS OF THE COMMISSION MODEL, CALCULATION AND AMOUNT WILL BE DISCLOSED TO YOU THROUGHOUT YOUR CUSTOMER JOURNEY.

Rapid Bridging Ltd is authorised and regulated by the Financial Conduct Authority.
Rapid Bridging Ltd is entered on the Financial Services Register www.fca.org.uk under reference 716246. Registered in England under reference 09568514.
Head Office Address: Level 30, The Leadenhall Building, 122 Leadenhall St, London, EC3V 4AB. | Telephone: 0208 150 7528. Registered address: Level 30, The Leadenhall Building, 122 Leadenhall St, London, EC3V 4AB. The information contained within this site is subject to the UK regulatory regime and therefore is primarily targeted at consumers based in the UK. Should you have cause to complain, and you are not satisfied with our response to your complaint you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows.
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

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