Commercial property bridging finance is a short-term loan used to buy, refinance, or release capital from commercial and mixed-use assets. Typically lasting 3 to 24 months, these loans provide fast access to funding for landlords, developers, and businesses that cannot wait for traditional bank lending.
In London, commercial bridging finance is widely used for offices, retail units, warehouses, hotels, and redevelopment sites, helping investors secure opportunities in a highly competitive market.
Auction Purchases – Meeting strict completion deadlines on commercial assets.
Refinancing – Repaying existing debt while long-term finance is arranged.
Development Sites – Bridging land or commercial acquisitions before construction funding.
Business Expansion – Purchasing premises for company growth.
Portfolio Investment – Adding commercial property to a mixed portfolio quickly.
Fraser Bond advises clients that bridging finance is a strategic solution, bridging the gap until long-term financing or asset sales are complete.
Loan Term – 3 to 24 months.
Rates – Typically 0.6% to 1.5% per month, higher than commercial mortgages.
Loan-to-Value (LTV) – Up to 70–75% for prime London assets.
Security – Secured against commercial or mixed-use property, sometimes with additional assets.
Exit Strategy – Repayment via sale, refinancing, or restructuring.
Speed – Access funds within days, not months.
Flexibility – Suitable for a wide range of commercial and mixed-use properties.
Opportunity Capture – Allows investors to act quickly on prime London deals.
Higher Costs – More expensive than long-term commercial loans.
Exit Dependence – Repayment depends on refinancing or sales.
Short-Term Only – Not designed for ongoing finance needs.
Fraser Bond helps investors, landlords, and businesses structure commercial property bridging finance:
Strategic Advice – Assessing when bridging finance is the right solution.
Lender Access – Connecting clients to specialist UK commercial bridging providers.
Application Packaging – Preparing proposals with valuations, cash flow models, and exit strategies.
Exit Planning – Ensuring refinancing or sales strategies are achievable.
Investor Support – Aligning bridging finance with portfolio growth and compliance.
For bespoke commercial property finance solutions in London, explore options at FraserBond.com.
