In the fast-paced world of property investment, timing is everything. Commercial bridging finance has become the go-to funding solution for investors, developers, and business owners who need money fast—whether it’s to buy, refinance, or renovate a commercial property.
Unlike traditional bank loans that can take months to process, bridging finance gives you quick access to cash—sometimes in just a few days. Let’s break down what it is, how it works, and why it’s one of the most powerful tools in the UK property market today.
What Is Commercial Bridging Finance?
Commercial bridging finance is a short-term loan secured against a commercial property. It’s designed to “bridge” the financial gap between buying a property and arranging long-term funding.
Whether you’re purchasing an office space, a retail unit, or a mixed-use building, this type of loan provides the flexibility and speed you need to move quickly on property deals.
Quick Facts
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Loan Term: 1 to 24 months
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Loan-to-Value (LTV): Up to 75%
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Approval Time: As fast as 3 days
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Interest Rate: 0.75% to 1.4% per month
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Repayment: Interest is usually rolled up and paid when the loan term ends
That means no monthly payments—just one clear repayment once your property is sold or refinanced.
How a Commercial Bridging Loan Works
Think of a bridging loan as a financial bridge between two points—your current need for funds and your future source of repayment.
For example, if you’ve found a great property deal but your long-term financing isn’t ready, a bridging loan helps you complete the purchase now and repay once your main mortgage or property sale goes through.
It’s fast, flexible, and ideal for investors who need to act quickly to secure a deal.
Why Choose Frida-finance for Commercial Bridging Finance
When speed and efficiency matter most,
Frida-finance
stands out as one of the UK’s leading digital platforms for bridging loans. It allows you to compare real-time offers from over 100 lenders—all in one place.
How Frida finance Works
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Enter your project and loan details.
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Instantly compare real-time offers from top lenders.
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Apply to multiple lenders at once using one simple form.
You’ll get transparent rates, low fees, and often same-day responses.
Who Can Apply for a Commercial Bridging Loan
To qualify for a commercial bridging loan in the UK, you’ll generally need to:
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Be 18 years or older
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Have a UK address or registered business
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Provide a clear exit strategy (such as selling or refinancing the property)
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Offer a property or asset as security
Even if your credit score isn’t perfect, many lenders will still consider your application if the property has good value or strong rental potential.
