Specialist
Bridging Loans For Commercial Property
We arrange bridging loans for commercial properties on a daily basis - and we've won awards for doing so.
Rates from: Downsizing/Upsizing Releasing Funds From Your Home Short-Term Lease Finance Auction Purchase As at 8th February 2023 Rates from: Light & Heavy Refurb Finance For Unmortgageable Properties Land Purchase with planning As at 8th February 2023 Rates from: Up to 80% LTV Minimum Loan £500k Minimum net income £100k As at 8th February 2023
Residential
Buying Before Selling?
0.41% pm
Development & Refurb
Fast Finance
0.50% pm
Residential
Large Bridging Loans
0.41% pm
Securing finance for purchasing or developing a commercial property can sometimes be a lengthy process. If you do not have adequate funding in place this may result in delays or, even worse, cause you to lose out on a property.
Our finance brokers may be able to assist and arrange commercial bridging finance:
Financing commercial property can easily become a lengthy process, and for the inexperienced, a stressful ordeal - if you do not have adequate funding in place, and do not plan accordingly, you might suffer delays or, even worse, you could lose out on the property(s) you intended to buy.
If you’re looking for a commercial bridge loan, you can find more details here on our commercial finance service
Our finance brokers can assist and arrange commercial bridging finance:
At Clifton Private Finance, we can help you find the best commercial bridge loan that is most suited to you; we help by:
Commercial bridge loans are short-term financial solutions and often come as bespoke products depending on the borrowers’ needs.
However, they are commonly used with the intent to “bridge a gap”.
Commercial bridging loans are designed to secure a property for commercial use, or investment properties that will become a commercial use property – some examples could be:
This, while not an exhaustive list, gives you a good idea as to the versatility of a commercial bridging loan – and how it may be suited to your own circumstances if you are looking to get a loan for a property to be used commercially, or as premises to be used in your own business.
The main draw for investors, and property developers, is the speed at which a commercial bridge loan can be secured, and the flexibility in which it can be applied to different scenarios.
Fast funding – Typically, bridge loans can be processed and approved within 5 to 7 working days, depending on complexity, which is beneficial for borrowers who need to close on a property transaction as soon as possible.
Flexible repayment terms – For borrowers, especially those in property development, flexibility in repayment is a great benefit when taking into account possible delays and unforeseen costs. Additionally, there are no early repayment plans, and you often have to option to “roll up” interest to be paid at the end of the term.
Competitive interest rates – Commercial bridge loans come with higher interest rates than traditional loans, yet they still offer a competitive rate compared to other short-term financing options. Additionally, interest rates can vary depending on the lender, so it is important to shop around to find the best rate.
Investment opportunities – Commercial bridge loans provide borrowers with the opportunity to invest, when they may not have otherwise been able to raise capital for a specific venture. With a bridge loan, investors can access a temporary source of finance to be used for their purposes – whether that’s a land purchase, property development on a larger scale, or buying up multiple properties.
The uses of commercial bridge loans are varied and flexible enough to suit the needs of any business or investor, but it is important to keep in mind the potential risks associated with it.
Lenders will need to be assured of a solid exit plan – a repayment plan, typically tied to your collateral, which is often the property the commercial bridge loan is secured against.
That being said, here is a quick rundown on what a commercial bridging loan can be used for:
In addition, a commercial bridge loan, or more specifically business loans, can be used to fund business expansion, or the purchasing of necessary equipment – you can find out more details here on our business loans service.
Depending on additional security, you can borrow up to 100% LTV (Loan-to-Value) However, typically the maximum LTV is 75%, and from commercial finance lenders, you can secure £250,000 to £25m – there are no upper limits, however, so we can facilitate any loan amount for you if required.
There are also a number of additional costs associated with bridge loans, such as survey costs and set-up fees, so it is important to factor in this information when it comes to overall costs.
Use our bridging loan calculator to get an indication of costs and figures.
At Clifton Private Finance, we can facilitate your commercial bridge loan through a number of specialist lenders across the entire short-term market; lenders who are not typically available through the retail market.
Whether you are a property developer, investor, or a novice – we can get you a decision in principle quickly, for whatever your purposes are for a commercial bridge loan. With our expertise and depth of knowledge, we can find you an appropriate lender with favourable rates.
I approached Clifton Private Finance to help me get a mortgage as an Expat working in the Far East. I would normally 'cut out the middle man' on something like this and try to get myself a deal directly with the banks, but I am now sold on the broker concept and wouldn't hesitate to use Clifton Private Finance again. There were a number of complicating factors such as being an expat, the stamp duty holiday, the sheer amount I wanted to borrow and the fact I wanted it all wrapped up before the Stamp Duty holiday ended. It is clear to me now that the relationship that brokers have managed to foster with their banks means they can simply pull levers and make stuff happen that us ordinary folk cannot. Put simply, they are worth every penny, will take most of the stress out of the lending process, and seem to have access to deals that you just won't find on the internet. Thank you George and Jan for all your hard work!
James M
Luther was excellent. Very clear in his advice and explanations of products and was able to move things on very quickly when we ran into difficulties with the estate agents. Without a doubt I would recommend Luther to all friends, family and colleagues. Luther was a joy to deal with and took a lot of the stress out of a troublesome transaction, from my end. I would view Luther as real asset to Clifton Private Finance Ltd.
William W
The team at Clifton Private Finance has been outstanding, not only in helping me to obtain a mortgage on a slightly unusual home, but also in continuing to provide support and liaise with the lender and solicitors through to completion. Thank you for making the process of buying my first home much easier.
Chantelle S
Sam O'Neill, and the new lender he identified for me, worked tirelessly together using my time constraints, to make sure my mortgage application was completed on time. They are a brilliant company to work with, fast, efficient, open and transparent from the very beginning, and turned a seemingly impossible situation into a viable one. Sam was brilliant throughout the whole process and I would highly recommend him, and his colleague Helen, to anyone without hesitation, I cannot speak highly enough about them.
Myr B
I was incredibly lucky to find Clifton Private Finance after a search on line as their service has been more than exemplary. My point of contact was Sam 0’Neill and he was happy to help at every stage during the application of the bridging loan, making a stressful process much easier to deal with. He was always available by phone or email and gave prompt answers to queries I had as well as always getting back to me when he said he would. That to me is excellent customer service and I cannot thank him personally or the company enough for the support they have given me.
C Jefferey
Adam cannot thank you enough for all your support throughout this arrangement. You have gone more than the extra mile to support us. Without you we would not have got our dream retirement home. You have been most professional and personable. Liz and I would be more than happy if you wanted to use us a reference with respect to any future clients.
Nigel & Liz K - Bristol
You have certainly shown me that you do everything for your clients, including tolerating their excessive emails and questions for updates. I have been kept in the loop, from yourself, about why the delays were occurring (Nationwide, post etc) which I would like to highlight that I really appreciated. I certainly will be able to recommend you to others as and when the need arises.
Mr Morris
I recently contacted Clifton Private Finance after a Google search for bridging finance providers and was immediately struck by their efficiency and support. Forms were emailed over almost immediately and the necessary finance was arranged within a few days. None of the other companies I contacted came close to their professionalism, and the quote that I eventually received was impressive. Thank you Adam, your help has enabled us to reserve the house that we wanted and I certainly recommend you to others.
Mr M. R. - Oxford
Absolutely brilliant. The service was first class, got everything sorted efficiently and were always friendly. Any fees were negligible compared to the service offered. Robert was particularly outstanding.
Charles N
My advisor, Robert, was very helpful in finding the mortgage to suit me. He kept me up to date throughout the process and dealt with any issues when they arose.
Rowena C
