Commercial Bridging Finance
Our Commercial Bridging Finance product provides adaptable and rapid funding solutions for a wide range of commercial property types. With this product, we support both conventional and unique properties, allowing commercial property owners and investors to access short-term finance for purchases, capital raises, or refinance needs.
Lending Criteria Overview
Borrower Details
| Types |
UK individual, LTD Co/LLP, Offshore LTD Co. Trusts may be considered. |
| Address history | Borrower 3 year address history, exceptions by referral. |
| Adverse credit |
Borrowers with good credit history. |
Loan Details
| Terms |
Up to 24 months. |
| ERCs |
No ERCs, 1 to 3 months minimum interest. |
| Loan sizes |
£250k to £10m. |
| Interest |
Serviced, blended or retained. |
| Transactions |
Purchase, refinance, capital raise. |
Property Requirements
| Property types | Commercial with intent to convert to alternative use considered, including pre- and post-planning. All commercial property considered, including, vacant property, care homes, more rural assets, and ‘quirky’ buildings. |
| Property location | England and Wales. |
Ready For Funding?
Complete this quick online form and one of our experienced Relationship Managers will be in touch to arrange competitive heads of terms
First charge fixed monthly rates
Fixed rate options are available by request.
First charge from:
| % of 180 Day Value | 70% LTV |
| BBR tracker rates from: | BBR + 7.50% pa |
Bridging Finance for All Commercial Property Types
We consider all commercial properties, offering flexibility for diverse types, including:
- Vacant Properties: Access funding for unoccupied buildings that are awaiting tenants or require refurbishment.
- Care Homes: Tailored finance solutions for care facilities, whether operational or requiring renovations.
- Rural and Quirky Assets: We understand the potential in rural, niche, or unconventional properties, supporting projects that fall outside the typical commercial scope.
- Conversion Projects: Financing is available for properties intended for alternative use, both pre- and post-planning stages, making it ideal for conversion projects.
Key Features of Commercial Bridging Finance
- High Loan-to-Value (LTV) Options: Borrow up to 70% of the 180-day value, providing substantial support for commercial property investments.
- Competitive BBR Tracker Rates: Rates start from the Bank of England Base Rate (BBR) plus 7.50% per annum, offering transparency and alignment with market conditions. Fixed rate options are also available upon request.
- Flexible Loan Terms: Loan terms of up to 24 months, allowing borrowers time to secure longer-term financing, complete sales, or execute development plans.
- No Early Repayment Charges (ERCs): Enjoy flexibility in repaying early without penalties, with a minimum interest period of just 1 to 3 months.
Suitable Transactions for Commercial Bridging
Our commercial bridging finance is suitable for various transaction types, including:
- Purchases: Fast funding for property acquisitions, even in time-sensitive scenarios.
- Refinance: Restructure existing finance or secure funds for improvements.
- Capital Raise: Access funds for business operations, property enhancements, or expansion opportunities.
Lending Criteria Overview
Our lending criteria make commercial bridging finance accessible to a wide range of borrowers, including:
- Borrowers: UK individuals, limited companies, LLPs, offshore companies, and trusts (subject to consideration).
- Loan Sizes: Available from £250,000 to £10 million, accommodating both large and small projects.
- Interest Options: Choose from serviced, blended, or retained interest options to align with your cash flow and project requirements.
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 Credit Analyst, 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 £10m and competitive rates, this really is a helpful option for property investors and property developers.’’
How to arrange your commercial bridging loan
If you need more details about our commercial bridging loans, speak to our commercial bridging finance team today on 01202 112 900.
Our bridging experts will review your application requirements and give you a decision within hours. We can offer loan terms of up to 24 months and loans up to £10 million.
To be eligible for a commercial bridge loan, borrowers must be aged between 21 and 85 at the end of the term and have a good credit history. Potential borrowers must also have a history of residing in the UK over the past three years. People with an adverse credit rating or have spent fewer than three years in the country can apply on a referral basis.
