Bridging Finance

Commercial Bridging Finance

Fast bridging loans for commercial property - offices, retail, industrial, and mixed-use. Rates from 0.55% per month with terms up to 24 months.

Commercial Finance

Commercial property moves fast. Your finance should too.

Commercial property transactions often involve tight deadlines, complex structures, and larger sums than residential deals. Whether you are acquiring an office building, purchasing a retail unit, or refinancing an industrial warehouse, bridging finance provides the speed and flexibility that commercial deals demand.

Doulton Bridging Finance works with specialist commercial lenders who understand the nuances of different property sectors. We arrange facilities from £500k to £50m+ with rates from 0.55% per month and terms typically ranging from 6 to 18 months.

0.55%

Rates From (pm)

70%

LTV Available

24 Months

Maximum Term

£50m+

Maximum Loan

Key Benefits

Commercial bridging built for business

All Commercial Property

Offices, retail units, industrial warehouses, mixed-use buildings, hotels, care homes, and more. We have lenders who specialise in every commercial sector.

Higher Loan Amounts

Commercial property transactions typically involve larger sums. We regularly arrange facilities from £500k to £50m+ for commercial acquisitions and refinances.

Flexible Terms

Terms from 1 to 24 months, with 6 to 18 months being the most common for commercial bridging. Extensions are available where a credible exit strategy remains in place.

Rates from 0.55% pm

Commercial bridging rates start from 0.55% per month, with pricing dependent on property type, location, LTV, and borrower profile.

Refurbishment Included

Need to fund works as part of your commercial purchase? We can structure facilities that include a refurbishment element with staged drawdowns.

Quick Decisions

Commercial deals often have tight timelines. We provide same-day decisions in principle and can complete within 10 to 14 days for straightforward cases.

The Process

How it works

Enquiry

Tell us about the commercial property, the transaction, and your timeline. We provide an immediate assessment and indicative terms.

Offer

We source offers from commercial-specialist lenders and present the best options. You choose the terms that suit your strategy.

Valuation and Legal

A commercial property valuation is instructed alongside legal work. We manage both to keep your timeline on track.

Completion

Funds are released to your solicitor on completion. For standard commercial cases, expect 10 to 21 days from application to drawdown.

Need commercial bridging finance?

Tell us about your commercial property transaction and receive competitive terms within hours. Same-day decisions in principle available.

Get a Quote Discuss Your Requirements

FAQs

Frequently asked questions

What is a bridging loan and when is it used?

A bridging loan is a short-term property-secured facility, usually 1-24 months, used to 'bridge' a funding gap - for example between buying a new property and selling an existing one, completing an auction purchase within 28 days, breaking a property chain, or funding works before refinancing onto a mortgage.

How much can I borrow on a bridging loan?

We arrange bridging from £25,000 up to £100m+. Typical LTVs are up to 75% on residential, 70% on commercial, and up to 80% on larger prime deals. Second-charge bridging is available up to around 65% LTV.

How fast can a bridging loan complete?

Straightforward cases can complete in 5-10 working days. Complex security, multiple parties, or additional diligence typically adds 1-2 weeks. Valuation and legal turnaround - not lender underwriting - usually drive the overall timeline.

What exit strategies do lenders accept?

The most common exits are (1) sale of the security property or another asset, (2) refinance onto a mortgage, and (3) receipt of expected funds (probate, business cash flow, drawdown of other finance). Lenders stress-test the exit alongside the loan.

What are typical bridging rates and fees?

Rates currently start from around 0.49% per month and rise based on risk, LTV and property type. Expect arrangement fees of 1-2%, valuation fees of £300-£1,500, and legal fees of £1,500-£3,000. Interest can be serviced monthly, retained upfront, or rolled up.

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