Commercial Bridging Finance
Fast, flexible bridging for commercial property — offices, retail, industrial units, mixed-use, hotels, warehouses and development sites.
Short-Term Commercial Property Finance
Commercial bridging loans provide short-term funding secured against commercial or mixed-use property. Whether you're purchasing business premises at auction, funding a commercial refurbishment, or bridging the gap while arranging long-term commercial finance, we have access to specialist lenders who understand commercial assets and can move quickly.
Property Types We Cover
Get a Quote
Fast response — often within the hour for urgent cases.
Key Criteria
• LTV: Up to 70–75% on commercial assets. Higher with additional residential security.
• Loan size: £100,000 to £25,000,000+
• Term: 1 to 24 months
• Rates: From 0.65% per month for prime commercial
• Security: First charge on commercial, mixed-use or development property
• Exit: Sale, refinance to commercial mortgage, or development completion
How the Process Works
Enquiry
Tell us about the deal — property, amount, timeline and exit strategy.
Terms & Costs
We source the best terms from our panel and provide a full cost breakdown.
Valuation & Legal
Valuation is instructed and solicitors prepare legal documentation.
Completion
Funds released — often within 5–14 working days from initial enquiry.
Risks & Considerations
- • Bridging loans carry higher interest rates than standard mortgages — they are designed for short-term use only
- • If your exit strategy fails (e.g. property doesn't sell), you may face penalty charges or the lender may seek repossession
- • Arrangement fees, valuation fees and legal costs apply and should be factored into the total cost
- • Interest is typically charged monthly — ensure you budget for ongoing costs during the loan term
- • Some bridging loans are not regulated by the FCA — unregulated loans do not offer the same consumer protections
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial bridging loans are typically unregulated. Your property may be at risk if you do not keep up repayments.
Chess Mortgages is authorised and regulated by the Financial Conduct Authority. Some bridging loans are not regulated by the FCA.
Frequently Asked Questions
Ready to Get Started?
Speak with one of our expert advisers today — initial consultation at our expense, and without obligation.