Commercial Bridging Finance
Short-term finance is a fast, flexible solution for securing businesses or freehold properties when there are obstacles
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Commercial Bridging Finance
The bridging finance market may seem crowded with lenders offering similar pricing and processes. However, the real difference lies in the details. With strong relationships with reliable short-term lenders, we can navigate those differences to secure the best 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.
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.
Applying for Bridging Finance
Applying for a commercial bridging loan requires careful preparation to ensure you meet the criteria set by bridging loan lenders. Approval depends on various factors, and bridging lenders will request the following key information to process your application successfully:
- A deposit of 25-40% or more
- Sufficient credit history
- Proof of property value or project viability
- Evidence of previous property transactions (if applicable)
- Clear exit strategy
- Additional security (such as commercial property)
- Detailed business or project plan
- Proof of relevant experience in property or business
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
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If you'd like to discuss these findings with your local sector expert, get in touch.
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