When timing is everything, Phoenix Commercial Finance can help you move quickly with a bridging loan.
Whether you are buying new commercial premises, renovating an investment property, or completing a property purchase while you wait for an existing sale, a bridging loan can give you the much-needed breathing space until longer-term finance can be arranged.
We can support a variety of UK businesses including individuals, limited companies, partnerships, and SPVs in accessing competitive bridging loan rates from our trusted panel of UK bridging lenders.
If you’d like to speak to one of our experts about a bridging loan, send us a message on WhatsApp or fill in our no obligation enquiry form – we’re happy to help.
A bridging loan is a short-term loan designed to “bridge” the gap between a property purchase or the arrival of longer-term funding.
With terms typically between 3 and 24 months, a bridging loan gives business owners and property investors quick access to capital when speed matters. Common uses include purchasing an investment property before an existing one has sold, rescuing a broken property chain, or buying at a property auction where completion deadlines are tight and there is no time to wait for a traditional mortgage.
Bridging loans are widely used across the UK by property investors, developers and business owners who need short-term funding while longer-term finance is being arranged.
Funds can often be delivered in weeks – ideal for refurbishment projects or bridging loans for property purchase where timing is critical.
Loans can be secured against a range of residential, commercial, or mixed-use property. This flexibility allows businesses to use bridging finance for business needs as well as property investment opportunities.
Borrow over a 3 month to 24 month term – perfect for temporary cashflow needs while waiting for your property sale, refinance, or even a longer-term solution like a commercial mortgage to come through.
Ideal for property investors or landlords purchasing or refinancing residential assets. Common uses include auction purchases, chain breaks, or short-term refurbishments before arranging longer-term finance such as a buy-to-let mortgage.
A bridging loan for residential property purchase can also be particularly useful when your existing sale or mortgage approval is still pending.
Designed for business or investment purposes, a commercial bridging loan can be used for purchasing or refinancing commercial premises, mixed-use properties, or unlocking capital tied up in existing assets.
Many landlords, developers, and business owners use a commercial bridging loan to secure properties quickly before moving to longer-term finance solutions such as development finance or a commercial mortgage.
A practical solution when you need to complete a purchase before another property sale completes. A bridging loan keeps the transaction moving, prevents lost opportunities, and avoids disruption caused by broken property chains.
A business bridging loan is short-term funding used to cover operational or financial gaps. This could include paying a tax bill, managing supplier payments, or solving a short-term cash flow issue.
A bridging loan is secured against property and repaid when the “exit strategy” takes place. This could be the sale of the property, refinancing with a long-term lender, or incoming funds from a business transaction.
Here’s how the process typically works:
Tell us about your property, loan amount, and timescales. The more detail you can share upfront, the faster we can move.
We review your case and come back with indicative terms, typically within 24 working hours, having matched your requirements against our panel of experienced UK bridging lenders.
Once terms are accepted, valuations and legal work are instructed.
On completion, funds are transferred quickly so your bridging loan is ready exactly when you need it.
Here at Phoenix Commercial Finance, we understand the importance of timing and certainty when arranging bridging finance.
Our role is to find the right lender and structure that fits your exact needs, and quickly. We work with an extensive panel of bridging lenders across the UK and compare multiple options to secure you the most competitive terms.
Whether you need a bridging loan for commercial or residential property in the UK, our team will manage the process end-to-end, maintining clear communication throughout.
If your longer-term plans involve development or refinancing, we can also help you explore development finance or commercial mortgage options once your bridging facility has served its purpose.
Apply for a bridging loan today or talk to one of our team by contacting us on WhatsApp or completing our quick no obligation enquiry form.
It depends on the complexity of the case, but funds are typically released between 10 – 14 working days. For urgent cases, such as auction purchases, we work with lenders who complete even faster.
Bridging loan rates usually range between 0.65% and 1.25% per month, depending on the property type, loan amount, and strength of the deal. Factors that influence the rate include loan-to-value, property type, term, loan size and borrower profile.
Bridging loans typically start from £50,000 and can extend into the millions, depending on the value of the property or asset used as security.
Do I need to have an exit strategy?
Bridging loans can be secured against residential, commercial, or mixed-use property.
Yes. Many lenders look at the strength of the asset and your exit strategy rather than relying solely on credit history.
Common uses include property purchases, refurbishments or chain-breaks.
Some bridging loans are interest-rolled, meaning payments are deferred until the loan is repaid, while others require monthly interest payments. Don’t worry, we’ll help you find the best structure for your business’s circumstances.
A closed bridging loan has a fixed repayment date, usually when a sale or refinance is already arranged. An open bridging loan is more flexible and doesn’t have a confirmed repayment date - though a clear exit plan is still required.
Yes. There are typically arrangement, valuation, and legal fees. These vary depending on the lender and loan structure. But we’ll always outline all costs upfront so there are no surprises.
Applications are open to individuals, limited companies, partnerships, and SPVs