Commercial bridging finance
- Loans from £250k to £2.5m
- Terms up to 24 months
- LTVs up to 70%
- No exit fees
Commercial bridging loans for investment properties
Key features of our commercial bridging finance:
Our commercial bridging finance is designed to support property professionals who need fast, flexible access to funding. Whether you’re buying a vacant building, refinancing a commercial asset, or funding change-of-use plans, our loans are structured around your goals.
You can borrow from £250,000 to £2.5 million (first charge), with loan terms of up to 24 months and a choice of interest payment options including serviced, rolled, or blended.
We accept a wide range of property types, including office, retail, industrial, pharmacies, dentists, doctors, hot food takeaways, and even more unusual or quirky properties. Where there’s a viable plan, we’ll consider it.
First charge fixed monthly rates:
| % of Open Market Value | Fixed rates from |
|---|---|
|
70% LTV |
0.85% |
Who you'll work with
Throughout your project you’ll be supported by our expert team
New business Team
Underwriting Team
Servicing Team
Head Office Team
‘Your service and support have been first class’ ‘I appreciate your credit-based approach’ ‘The options are workable and pragmatic. Thanks!’ ‘Quickest and most engaged lender I approached’
Your customer journey
Share your idea
Brokers and potential borrowers contact our New Business Team to discuss their property project and funding requirements. They can either call, email or complete a website Quick Loan Enquiry form. Our BDMs respond in person within 4 working hours!
Head of Terms
Our BDMs structure competitive heads of terms for the broker and borrower. Once agreed, it's time to begin the application process and submit the application pack.
Application time
Your BDM will introduce you to your dedicated Catalyst Underwriter, who reviews your application and liaises with the appointed solicitors, to ensure valuations are completed and funding is agreed quickly.
Loan completion: Funding provided
Following the underwriting process and valuation review, your Underwriter will work with you to ensure funding is provided as quickly and efficiently as possible. Ready for you to begin your property project.
Commercial bridging finance FAQs
We’ve answered some of the most common queries below to help you understand how our commercial bridging loans work, who they’re for, and what makes them so flexible. Whether you’re buying at auction, exiting a development, or raising capital quickly, our FAQs cover what you need to know.
What is commercial bridging finance?
Commercial bridging finance is a short-term funding solution used to purchase, refinance, or raise capital against commercial property. It’s designed for speed and flexibility, making it ideal for time-sensitive projects or properties that don’t fit standard lending criteria.
How much can I borrow with a commercial bridging loan?
Catalyst offers commercial bridging loans from £250,000 to £2.5 million (first charge), depending on the value of the property and your specific funding needs.
What’s the maximum loan-to-value (LTV) for commercial bridging?
You can borrow up to 70% of the Open Market Value of the property. This is subject to valuation and underwriting.
What types of commercial property can I use?
We’ll consider almost all commercial property types, including office, retail, industrial, pharmacies, dentists, doctors, hot food takeaways, and even unconventional or ‘quirky’ assets.
Can I use commercial bridging finance to raise capital?
Yes. Our loans can be used to raise capital for business expansion, cash flow, property improvements, or additional investments. We tailor funding to support your goals.
How long can I borrow for?
Loan terms are available up to 24 months, with no early repayment charges. A 1 month minimum interest period usually applies.
How does interest work on commercial bridging loans?
We offer flexible interest options. You can service interest monthly, have it rolled to be settled at the end of the loan period, or use a blended model depending on your cash flow.
Do I need experience to apply for a commercial bridging loan?
No prior property experience is required, though a solid exit strategy and clear plan for the property will help your application. Each case is assessed on its own merits.
What’s the application process like?
Our process is designed to be quick and straightforward. After your enquiry, we’ll issue terms, instruct valuation and legal work, and aim to release funds to you as quickly as possible, depending on the complexity of the deal.
Here are a few of our case studies
See how our commercial bridging finance solutions have helped clients move quickly, unlock opportunities, and complete deals with confidence.
Commercial bridging loans for property
Our Commercial Bridging Finance is designed to support time-sensitive property transactions. Whether you’re purchasing a vacant building, raising capital, or funding a change-of-use project, our loans provide the speed and flexibility commercial clients need.
You can borrow from £250,000 to £2.5 million over terms of up to 24 months, with no exit fees and a choice of serviced, rolled, or blended interest. We offer fixed rates from 0.85%.
We lend up to 70% of the Open Market Value, and consider a wide variety of properties, including office, retail, industrial, pharmacies, dentists, doctors, hot food takeaways, and more unconventional buildings. Please note investment properties require strong tenant demand.
What can commercial bridging loans be used for?
Commercial bridging loans are suitable for a wide range of investment and funding needs, including:
Development exit finance – Release funds at the end of a project by securing against the value of completed or nearly-complete works.
Capital raise – Unlock equity from commercial property for business growth, improvements, or additional investments.
Auction purchases – Complete within tight timeframes with funding in place fast.
Refinancing – Repay existing lenders, restructure terms, or unlock better rates.
Unconventional or vacant property purchases – Secure funding where traditional lenders may not be able to help.
Lending criteria overview
We structure every commercial bridging loan around the borrower, the asset, and the end goal. Here’s a breakdown of our key criteria:
Borrowers:
UK individuals, limited companies (including offshore), LLPs and trusts may all be considered. A three-year UK address history is typically required. Applicants should have a good credit history, although some flexibility may be available by referral.
Loan size & term:
From £250,000 to £2.5 million. Terms are available up to 24 months, with no early repayment charges and just 1 months minimum interest.
Loan-to-value (LTV):
Up to 70% of the Open Market Value, subject to underwriting and valuation.
Interest options:
Choose from serviced, rolled or blended interest. Fixed rates from 0.85%.
Property types:
We consider all commercial property, including office, retail, industrial, pharmacies, dentists, doctors, hot food takeaways or unconventional buildings. Properties without income or planning may also be eligible, especially where there’s a clear strategy in place.
Location:
England and Wales.
Why Choose Our Commercial Bridging Finance?
Our commercial bridging finance product is designed to support diverse property types and investment goals, making it suitable for both traditional and unconventional assets. With competitive rates, flexible terms, and funding options that align with your business needs, we’re committed to empowering commercial property investors and owners.
Our commercial bridge loans can be accessed straight away, allowing you to focus on the project.
How does ‘commercial bridging finance’ help brokers and their borrowers? Our team share their thoughts:
Martyn Balsom, Senior Underwriter, says: ‘’A commercial bridge loan is a type of short-term financing that’s used to fund an immediate opportunity. Unlike small-business loans, commercial bridge loans are specifically used to “bridge the gap” between your current need for capital and a more long-term financing solution.’’
Anna Bennett, Marketing Director, says: ‘’Catalyst’s Commercial Bridging product caters for borrowers with all types of commercial property, including vacant buildings. With loans up to £2.5m and competitive rates, this really is a helpful option for property investors and property developers.’’