When timing is everything, Phoenix Commercial Finance helps you move quickly with a business bridging loan.
Whether that’s buying new commercial premises, renovating an investment property, or completing an investment property purchase while you wait for a sale, a bridging loan gives you the much-needed breathing space until longer-term finance can be arranged, or an existing asset is sold.
We can support a variety of businesses including those trading as individuals, limited companies, partnerships, and SPVs to access competitive bridging loan rates from our trusted panel of 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 18 months, a bridging loan gives you quick access to capital when you need to act quickly. For example, buying a property before selling a current one, fixing a broken property chain after a sale falls through or even buying a property at auction when you need quick access to cash.
Funds can often be delivered in weeks - ideal for refurbishment projects or property purchases where timing is critical
Loans can be secured against a range of residential, commercial, or mixed-use property
Borrow over a 3 month to 24-month term - perfect for temporary cashflow needs while waiting for your property sale or refinance 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 or commercial mortgage. Bridging loans for property purchase let you act fast on opportunities, even when your sale or mortgage isn’t ready.
Designed for business or investment purposes: from purchasing or refinancing commercial premises and mixed-use properties to unlocking capital tied up in existing assets. Commercial bridging loans are typically used by landlords, developers, and business owners looking to fund growth or seize new opportunities.
A practical solution when you need to complete a purchase before another property sale completes. Bridging finance keeps the transaction moving, prevents lost opportunities, and avoids disruption caused by broken chains.
A business bridging loan is short-term funding to cover operational or financial gaps: whether that’s a tax bill, supplier payment, or a short-term cash flow need. This type of bridging finance helps maintain momentum and flexibility without impacting your long-term funding plans.
A bridging loan is secured against property or land and repaid when the “exit strategy” (such as the sale of the property, refinance, or incoming funds) takes place.
Here’s how the process typically works:
Tell us about your property, loan amount, and timescales
We review your case and outline indicative terms, often within 24 hours.
Once terms are accepted, valuations and legal work are instructed
On completion, funds are transferred quickly to meet your deadline
Here at Phoenix Commercial Finance, we understand the importance of timing and certainty. Our role is to find the right lender and structure that fits your exact needs and quickly.
We work with an extensive panel of specialist bridging lenders across the UK and provide clear terms upfront and handle the process end-to-end - giving you the confidence to move quickly when opportunity knocks.
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