Unregulated UK property finance
Commercial Bridging Loans
Short-term funding for commercial and mixed-use property transactions
Commercial bridging can support a purchase, refinance, refurbishment or capital raise when a conventional facility does not fit the timetable. Sterling reviews the asset, tenancy or trading position, purpose and exit before approaching relevant UK lenders.
Property and transaction types
- Retail, office and industrial property
- Mixed-use buildings
- Hospitality and leisure assets
- Vacant or partly occupied property
- Refurbishment and change-of-use projects
Complex cases
Lease terms, planning, environmental issues, vacant possession, borrower structure and the proposed use of funds can change the lender route. Sterling identifies these complications early and presents the case to providers whose criteria are a closer fit.
Repayment route
Commercial bridges require a credible exit, such as sale, investment refinance, trading refinance or another evidenced source.
For a completed or near-complete development, the development exit page explains the information needed to review existing debt and the proposed repayment route.
Discuss a commercial property requirement
Share the property, occupancy, valuation, purpose, amount, timetable and proposed exit for an initial review.
Common Questions
Criteria vary. Offices, retail, industrial, mixed-use and some specialist assets may be considered depending on condition, location, use and exit.
Potentially. The lender will assess current condition, demand, works, planning and the route to sale or stabilised refinance.
There is no guaranteed timetable. Valuation, legal title, searches, leases, environmental checks and complete information all matter.
Potentially, depending on the circumstances, security, transaction and exit. It must be disclosed at the outset.