Bridging finance

Short-term finance to keep your business moving forward

Bridging finance is exactly what it sounds like – a loan that bridges a gap. It is usually time-sensitive and short-term, often written bespoke and made available quickly. 

One popular use of bridging finance is when you want to buy a new property before your old property has sold. For example, when you are in a property chain and your buyer needs to delay the transfer of funds. 

Other instances where bridging finance is beneficial is when buying a property at auction or when a property is considered uninhabitable, and therefore, unmortgageable. Bridging loans can be used to purchase and renovate the property to make it mortgageable, whether for yourself or as a buy-to-let. In these cases, it’s sometimes possible to secure a bridge-to-let product that combines short-term finance with pre-approved buy-to-let mortgages.

Whatever you need bridging finance for, Commercial Expert can help you access the cash you need, whether through mainstream lenders or independent, specialist lenders.

Speak to an Expert

Is bridging finance right for you?

Bridging finance is often used for property, but can be used in non-property scenarios too. A bridging loan can be used for:

Buying property at auction
Refurbishing a property that is currently unmortgageable
Probate delays
Credit repair
Covering a cash-flow shortage
Covering VAT or tax liability
Raising capital/stock purchasing

When you need cash in your business, whether long term or short term, secured or unsecured, Commercial Expert can help you find the right lenders for your needs.

“I have recently had a series of property transactions requiring some complicated arrangements with three different vendors, three sets of lawyers and three separate banks and building societies. I can honestly say that Dan Brown and the Team at Commercial Expert provided a first-rate service through the whole process, not just keeping me in touch and up to date, but also acting in a timely and diligent manner to get all the transactions completed in time and on time.”

-Justin Urquhart-Stewart, Landlord

Why choose Commercial Expert for bridging finance?

When it comes to bridging finance, there are many variables and complexities, but one thing lenders will be interested in is your exit strategy. Because we know the market and the lenders, we know what they are looking for. That means we understand what needs doing in the early stages to make approval much faster and easier.

If there’s a way, we’ll find it – regardless of your requirement, we take the time to listen so that we can find you the right solution, whatever it may be. Time and again, our tenacity has helped our clients get the money they need when other brokers have said it can’t be done.

With you until completion (and beyond) – finding you the right bridging finance is only the start. After you sign on the dotted line, we follow it through to the end, chasing lenders, solicitors and anyone else who needs a nudge to ensure your deal completes. We then work with you to ensure you exit successfully on to the right mortgage for your needs.

Acting in your best interests – being regulated by the FCA, isn’t the only reason we act ethically. We do it because it’s the right thing to do, and we sleep better at night knowing we can honestly say we did our best for you. We aren’t just looking for a quick deal – we want you to come back to us time and time again as your business grows.

Speak to an expert