Commercial Bridging Loan Calculator

We specialise in arranging bridging loans for commercial property

Accessing additional finance for commercial property can be difficult as traditional lenders may require large deposits and rigorous income stress tests.

 

Use our UK commercial bridging loan calculator to get an indicative quote. We'll send this to your email and mobile for future reference.

 

Important information: This bridging finance calculator is intended to provide you with an approximate guide only to illustrate what a bridging loan would cost.

 

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What is a Commercial Bridging Loan?

A commercial bridging loan is bridging finance for borrowers who wish to use the funds for commercial purposes. 

 

A bridging loan is classed as commercial if the property or land it is being used to purchase is more than 40% commercial.  If it’s a building with ground-floor retail units, for example, the retail units need to make up over 40% of the property’s total floor space.

 

Commercial bridging finance is offered on an interest only basis. Some lenders will allow you to pay it off monthly and settle the loan amount at the end of the term, while others will offer you a rolled-up interest option - where the monthly interest is compounded, added to the loan amount and paid at the end of the loan term.

Why is a commercial bridging loan different from a standard residential bridging loan?

Bridging loans for commercial purposes require a unique type of lender. There are two basic types: regulated and unregulated, and it's the latter that you will need.

 

Regulated Bridging loans are strictly for residential purposes, for example, for properties where the borrower lives or plans to live. Their oversight by the Financial Conduct Authority (FCA) provides the borrower with extra protection against bad advice and mis-selling.

 

Unregulated bridge loans are, however, not as risky as they sound. It is simply a term used for short-term financing for business investments. A bridging lender that is not regulated can be more flexible for a business borrower's needs.

 

Businesses need to be able to borrow on a bespoke and flexible basis. For example, an unregulated bridging loan allows you to borrow money based on the rental potential of a commercial property, instead of your income, which may be considerably less.

 

Unregulated bridging loan criteria

The table below shows typical lending criteria for commercial bridge loans.

 

Item Terms
Type of bridging finance Unregulated
Max Loan To Value 80% LTV Residential & 70% Commercial
UK Areas covered England, Wales, Scotland & Northern Ireland 
Europe From £1m - Germany, Spain, Netherlands, Switzerland, Austria, Monaco
Loan Term
1-24 months
Minimum Loan Size
£50,000
Maximum Loan Size
No maximum
Minimum interest
0.44% pm
Interest treatment
Rolled, Retained or Serviced
Borrower residency UK residents, UK expats, Non UK Nationals (Limited Options For UK Property)
Borrower Type Individual, Sole Trader, LLP, Partnership, Ltd Company
Security Types Residential, commercial & semi commercial property (1st & 2nd Charge)
Funding for: New builds; Refurbishment; Conversions; Grade listed buildings; Mixed schemes
Planning Permission Needed            Case By Case

Why use Clifton Private Finance?

We are an independent company registered in England and we are regulated by the Financial Conduct Authority. We have access to the best loan rates on the market for private lenders for unregulated transactions where speed is often of the essence.

 

We know the short term finance market very well and we can find the right finance for your situation. And if in the future you need longer term finance to replace bridging finance we can arrange that for you. Our calculator is a useful tool to get an indicative quote but we recommend talking to us about what you are trying to achieve to get a bespoke quote for your requirements. 

 

Book a free and no obligation telephone consultation at a convenient time for you:

 

Book Consultation »

 

Or call our team on 0117 959 5094 to discuss your requirements.

 

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it


 

 
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