Updated October 2026 · Fraser Bond
Property finance · Fraser Bond
Commercial Bridging Loan Lenders
Start your finance enquiry
Tell us how much you need, what it's for, the property or security involved, your timescale and how you plan to repay. Our team will come back to you about the options.
Costs at a glance
Most bridging interest is rolled up or retained. Add valuation and legal fees.
The guide
What Is a Commercial Bridging Loan?
A commercial bridging loan is a short-term, property-backed finance solution used to purchase, refinance, or release equity from commercial or mixed-use property. Unlike regulated bridging loans, these facilities are unregulated by the FCA and are tailored for businesses, landlords, and investors.
In London, commercial bridging loans are often used to seize time-sensitive opportunities, such as acquiring office buildings, retail units, warehouses, or development sites.
When to Use a Commercial Bridging Loan
Commercial bridging finance is particularly effective in the following scenarios:
-
Auction Purchases – Securing a commercial building under 28-day completion deadlines.
-
Refinancing – Paying off existing debt while longer-term finance is arranged.
-
Development Sites – Bridging the gap between land acquisition and development funding.
-
Business Expansion – Acquiring premises for company growth.
-
Portfolio Investment – Securing multiple assets quickly in London’s competitive market.
Fraser Bond advises investors, landlords, and developers on when commercial bridging is appropriate and how to structure repayment.
Features of Commercial Bridging Loan Lenders
Key Characteristics
-
Loan Terms – Typically 3 to 24 months.
-
Rates – Usually 0.5% to 1.5% per month, depending on loan-to-value (LTV), property type, and borrower profile.
-
LTV Ratios – Up to 70–75% for prime London assets, lower for riskier properties.
-
Security – Commercial or mixed-use property, sometimes with additional assets.
-
Exit Strategies – Commonly via long-term commercial mortgage, development finance, or property sale.
Benefits
-
Fast Access to Capital – Funds released within days.
-
Flexibility – Suited for a wide range of commercial and investment assets.
-
Opportunity Capture – Enables investors to move quickly on London properties.
Risks
-
Higher Costs – More expensive than conventional commercial loans.
-
Exit Risk – Repayment depends on successful refinancing or sale.
-
Valuation Sensitivity – Market fluctuations can affect available loan size.
Fraser Bond – Connecting You with Commercial Bridging Loan Lenders
At Fraser Bond, we provide strategic support to buyers and investors requiring commercial bridging finance in London:
-
Lender Access – Introducing clients to trusted commercial bridging loan providers.
-
Application Structuring – Preparing documents and financials to maximise approval speed.
-
Rate & Fee Benchmarking – Comparing offers to secure competitive terms.
-
Exit Strategy Planning – Ensuring refinancing or sales are achievable and compliant.
-
Investor Advisory – Aligning bridging finance with long-term portfolio strategy.
By leveraging Fraser Bond’s advisory, clients gain confidence in securing funding from the right commercial bridging lenders for London property opportunities.
Visit FraserBond.com to explore commercial bridging finance tailored to your needs.
What to have ready
Important: your home or property may be repossessed if you do not keep up repayments on a loan secured on it. Bridging loans secured on a home you or your family live in are regulated and must be arranged by an FCA-authorised firm.
Frequently asked questions
How fast can finance complete?
Bridging can complete in days to weeks, depending on valuation and legal work.
What is an exit route?
How the loan will be repaid, usually by selling or refinancing.
Can Fraser Bond help?
Yes. Send us an enquiry and we'll talk you through the options.
Ready to talk finance?
Tell us what you need and our team will be in touch.
Make an enquiryProperty services
