🏢 Commercial Bridging Loans — Fast, Flexible Funding

Need quick finance for a commercial property project or business opportunity? A commercial bridging loan offers fast, short-term funding when traditional lenders can’t move fast enough — and we’re here to help you access the right deal, fast.

At Af & Associates, we specialise in bridging finance for commercial purposes, helping investors, landlords, and business owners unlock funding with speed and confidence.
 

💡 What Is a Commercial Bridging Loan?

A commercial bridging loan is a short-term facility secured against commercial or semi-commercial property. It’s often used to:

• Purchase or refinance commercial premises

• Fund a property refurbishment or conversion

• Secure an opportunity at auction

• Raise working capital for your business

• Bridge the gap before long-term commercial finance is arranged
   

🏗️ Typical Uses Include:

• Buying offices, retail, warehouses, or mixed-use buildings

• Converting commercial buildings into residential units (with planning)

• Property investment ahead of refinance or sale

• Urgent capital for business growth or debt restructuring
   

⏱️ Why Use a Bridging Loan?

• Fast access to funding — often within 7–21 days

• Flexible terms tailored to your exit strategy

• Useful when traditional lenders are too slow or say no

• Can fund properties that are un-mortgageable in current condition
   

📌 Key Features

FeatureDetails

Loan size£100,000 – £25 million+

Term1 to 18 months

SecurityCommercial or semi-commercial property

Max LTVUsually up to 70% (higher with additional security)

RepaymentInterest rolled up or serviced monthly

Exit strategy requiredSale, refinance, or business income
 

⚠️ Important Considerations

Bridging loans are short-term solutions — and they can be more expensive than traditional borrowing. That’s why it’s essential to have:

• A clear exit strategy (e.g. refinance, sale, or asset disposal)

• A strong understanding of costs, fees, and timing

We’ll walk you through it all so there are no surprises.
 

📋 What You’ll Need

• Details of the property or site

• Proof of ownership or purchase agreement

• Business background or project plan

• Exit plan (e.g. refinance offer, sale agreement, rental plan)

• Bank statements or financials (where applicable)
   

🤝 Why Choose Us?

• ✔️ Access to specialist commercial lenders

• ✔️ Experience with complex cases and structures

• ✔️ Fast decision-making and personal service

• ✔️ Transparent advice tailored to your business

📞 Let’s Talk

Need funding fast or want to explore your options? We’re here to help you secure the right bridging finance for your commercial goals.

👉 Give us a call 02085307170