Finding the right finance for a commercial property can be difficult, especially when you need to complete quickly or your situation does not fit standard lender criteria. Commercial bridging finance can provide short-term funding to help you purchase, refinance or release capital from a commercial property while you arrange a longer-term solution.
Whether you are buying business premises, refinancing an existing commercial property, purchasing at auction, or securing a mixed-use investment, Discount Mortgages can help you search the market for suitable commercial bridging finance options.
We make commercial bridging finance as simple as possible.
The overall cost for comparison is variable and will depend on your circumstances. Please ask for a personalised illustration.
To get a suitable commercial bridging finance quote, your advisor will review the property type, loan amount, valuation, business use, income, security, timescale and your intended exit strategy. Discount Mortgages can compare available lenders and help identify a solution that matches your commercial finance requirements.
If your current bank or lender cannot support the application, or you need to complete faster than a traditional commercial mortgage allows, commercial bridging finance may provide a flexible short-term option. It is often used by business owners, landlords, investors and developers who need quick access to funding.
Commercial bridging finance is a short-term secured loan used for commercial property or business-related property transactions. It is designed to bridge a temporary funding gap until a longer-term finance solution, sale, refinance or repayment strategy is in place.
This type of finance can be used for offices, shops, warehouses, industrial units, mixed-use properties, semi-commercial buildings, development sites and other commercial premises.
There are several reasons why businesses and investors use commercial bridging loans. The main benefit is speed. A bridging loan can often be arranged more quickly than a standard commercial mortgage, which can be useful when there is a tight completion deadline or an urgent funding requirement.
Another benefit is flexibility. Some lenders may consider complex commercial property situations where high street banks may be unable to help.
Commercial bridging finance may help you:
Commercial bridging finance can be useful if you need to purchase or refinance premises for your business. This may include offices, retail units, warehouses, workshops, industrial buildings or other trading premises.
Your advisor will look at how the property is used, the value of the asset, the strength of the business, the loan amount required and how the bridging loan will be repaid.
Lenders will usually assess the commercial property, valuation, location, condition, loan-to-value, borrower profile, business position and repayment strategy. The exit route is especially important because commercial bridging finance is designed to be short term.
Common exit strategies include refinancing onto a commercial mortgage, selling the property, selling another asset, arranging development finance or repaying the loan through business funds.
Finding the right commercial bridging finance can be complex because every business, property and lender is different. Discount Mortgages can help you compare suitable options and guide you through the application process from enquiry to completion.
Our advisors can help assess your requirements, search available lenders, explain the costs, and support you with the paperwork required for your commercial bridging finance application.
Our advisors will do their very best to keep you informed at every stage:
Just need to enter some basic information into our online enquiry form and we will search the market for suitable commercial bridging finance options.
Or if you prefer, call us today and speak with an advisor who can discuss your commercial property, funding requirement, timescale and exit strategy.
Commercial bridging finance is subject to status, valuation, lender criteria and affordability checks. Your property, land or security may be repossessed if you do not keep up repayments on a loan or mortgage secured against it.
