Catalyst Property Finance / Everyday Commercial Bridging

Loans where no or minor changes proposed to security property such as cosmetic upgrade, modernisation, small structural works under permitted development

Lending Criteria Overview

Borrower Borrowers with good credit history.
Borrower 3 year UK address history, exceptions by referral.
UK individual or LTD Co/LLP. Offshore LTD Co.
Loan Loan terms from 3 months to 24 months.
No ERCs, 1 month minimum interest.
Loans available from £100,000 to £3 million.
Interest serviced, blended or retained.
Transactions considered; purchase, refinance with no cash out, refinance with cash out.
Property Commercial up to 70% LTV.
Retail: Multi-let, with a track record of high occupancy; Office: maximum 3 storey building; single tenant occupier; Industrial: Light/General industrial, storage/distribution; post 1980’s buildings, max 20,000 sq ft. Specialist plant or fit out excluded.
Below 60% all commercial property considered but should be income producing. Non-income producing assets will be considered on case-by case basis.
Located in England or Wales.


Everyday commercial bridging is a popular option for people who need to raise funds quickly in order to buy or refinance a commercial asset. As a trusted commercial bridge loan lender, Catalyst can provide you with the finance you need to take your business to the next level.

Not only is everyday commercial bridging great for those wanting to buy or refinance, it is also another option for those looking to refurb the property. However, this must be a light refurbishment that is non-structural and doesn’t require any planning permission.

With no early repayment charges and facility and procuration fees ranging between 0% and 2% you can trust on Catalyst to give you the funds you need to complete your project. Our commercial bridge loans can be accessed straight away, allowing you to focus on the project.

Monthly Interest Rates From

Multi let, Office, Industrial, etc.

First charge from:

% of Open Market Value: 50% LTV 60% LTV 65% LTV 70% LTV
Monthly interest rates from: 0.65% 0.70% 0.75% 0.80%

Monthly Interest Rates From

% of OMV First Charge monthly rates from
50% LTV 0.65%
60% LTV 0.70%
65% LTV 0.75%
70% LTV 0.80%

How to arrange your everyday commercial bridging loan

If you need more details about our everyday commercial bridging services, 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 £3 million. Higher amounts will be considered by exception.

To be eligible for a commercial mortgage 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.