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?
Commercial bridging finance is a short-term loan secured against commercial property, typically used to bridge a funding gap while a longer-term solution is arranged.
Unlike traditional commercial mortgages, bridging loans focus on the value of the asset and exit strategy, rather than income alone. At Christie Finance, we arrange bridging loans for commercial property across all sectors, sourcing funding from a wide panel of specialist lenders to secure competitive terms and fast completions.
What We Need to Arrange a Fast Bridging Loan
To secure a commercial bridging loan quickly, lenders typically require the following at an early stage:
- A clear exit strategy, such as sale or refinance.
- Details of the property and purchase price.
- An estimate of the loan amount and term.
- Basic borrower information and experience.
- A valuation and legal pack (where applicable).
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
Real Estate Finance
Development Finance
Buy to Let Mortgages
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 real estate financing 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 commercial bridging finance work?
Commercial bridging finance provides short-term funding secured against commercial property, designed to complete quickly while a longer-term exit is arranged. Repayment is usually through sale or refinance.
How quickly can a commercial bridging loan complete?
With the right preparation, commercial bridging loans can complete in as little as 7–14 days, depending on valuation and legal timescales.
Can bridging finance be used for auction purchases?
Yes. Bridging finance is commonly used for auction purchases where contracts require rapid completion. In some cases, specialist Auction Finance may also be appropriate.
Is commercial bridging finance suitable for refurbishment or change of use?
Yes. Bridging loans are often used to fund refurbishment or change-of-use projects before refinancing onto longer-term facilities, including Development Finance.
Is commercial bridging finance regulated?
Most commercial bridging loans are unregulated, although this depends on the security and borrower structure. We advise on the most suitable option for each transaction.