Commercial Bridging Finance
Short-term finance is a fast, flexible solution for securing businesses or freehold properties when there are obstacles
Bridging Loan Calculator
Our calculator provides a fast and easy way to estimate the total cost of a bridging loan, including interest, fees, and repayment terms.
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What is Commercial Bridging Finance?
The bridging finance market may seem crowded, but lender terms can vary significantly. With strong relationships with trusted bridging finance lenders, we help secure the most suitable options for you.
While bridging finance is often perceived as expensive, we work closely with our clients to structure an efficient exit strategy. This ensures the loan remains cost-effective and helps maintain a healthy cash flow.
At Christie Finance, we specialise in arranging short-term finance across all sectors and property types, including acquisitions, refinancing, and equity release for any business purpose. As an independent broker, we’re not tied to any lender, allowing us to offer the most competitive finance packages based on your specific needs.
Where Can Bridging Finance Help?
Bridging finance can be used for commercial property purchases, refinancing, or property development. Whether you need a bridging loan for commercial property acquisition or to release capital for business growth, our tailored solutions can support your goals.
Key Factors to Consider
When you’re thinking about taking out a bridging facility, there are various things that both you and a potential lender will need to consider:
- Exit plan: How do you plan to exit the facility? Is it a sale or are you looking to refinance on to a longer-term mortgage facility? If so, has this been arranged through Christie Finance?
- Asset type: Lenders will reduce loan-to-value (LTV) on certain commercial assets depending on the sector.
- Professional costs: Have you considered the costs associated with the facility? You will be expected to pay for the lender’s solicitor costs as well as a valuation fee.
- Property status: If the property is currently vacant, the lender will need to understand your plan to occupy or let ahead of completion, though this is subject to circumstance.
How Does Bridging Finance Compare to Other Funding Options
Bridging finance is designed for short-term, fast-access funding, helping businesses or investors cover temporary gaps—such as buying a property before selling another or funding a project before long-term finance is arranged. Unlike commercial mortgages or development finance, bridging loans are repaid over months rather than years. They also differ from buy-to-let mortgages, which are structured for long-term rental income. Understanding these differences is crucial to choosing the right solution for your goals.
Why Choose Christie Finance?
At Christie Finance, we specialise in securing bridging loans for commercial property, acquisitions, and refinancing. As an independent broker, we work across multiple lenders to find the best finance packages for your business needs.
Applying for a Bridging Loan
When applying for bridging finance, lenders typically require:
1) Deposit of 25-40% - Clear exit strategy (refinance or sale)
2) Sufficient credit history
3) Property valuation or business plan
4) Evidence of previous transactions (if applicable)
5) Our team assists in preparing applications to improve approval chances.
How Can Christie Finance Help Me Get a Bridging Loan?
At Christie Finance, we specialise in helping business owners get the short-term financing they need. We’ve secured loans for many clients, and we can help ensure you get best possible loan terms by:
- Assessing your specific financial needs and goals
- Matching you with suitable bridging loan lenders
- Negotiating competitive rates and terms
- Streamlining the application process
- Ensuring you meet all bridging loan criteria
- Assisting in the preparation of documents
- Offering guidance on exit strategies and additional security requirements
Speak to a Bridging Finance Expert
Looking for the right bridging finance lenders? Contact Christie Finance today to discuss your options and secure fast bridging loans for your next commercial investment.
Additional Real Estate Services
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Latest News & Insights
How Bridging Finance Supports Strategic Property Investment
Christie Finance Real Estate recently facilitated the acquisition of a pub let to Stonegate Group Ltd, completing the transaction in just 10 days. The client, an overseas resident with a UK footprint, required a fast and flexible solution. By leveraging our relationship with a boutique lender and working closely with Christie & Co, we structured a bespoke bridging finance package that overcame time constraints and valuation hurdles. This case highlights how bridging finance can unlock opportunities for commercial property investors under tight deadlines.
Bridging Finance FAQ:
How does bridging finance work?
Bridging loans provide short-term funding to cover gaps between buying and selling or refinancing.
How do I get bridging finance?
Work with expert brokers like Christie Finance to assess your needs and connect you with suitable lenders.
How much does bridging finance cost?
Costs depend on the loan amount, term, and exit strategy; we help ensure cost-effective structuring.
Is bridging finance expensive?
While rates can be higher than standard loans, they’re designed for short-term use with clear repayment plans.
Is bridging finance regulated?
Some bridging loans are regulated, particularly when secured on residential properties; commercial deals are often unregulated.
Is bridging finance a good idea?
It can be an excellent solution when speed and flexibility are critical, provided there’s a clear repayment plan.
How long does bridging finance take?
With the right preparation, funds can be secured in as little as seven – fourteen days.