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.
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.
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.
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 |
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.
I approached Clifton Private Finance to help me get a mortgage as an Expat working in the Far East. I would normally 'cut out the middle man' on something like this and try to get myself a deal directly with the banks, but I am now sold on the broker concept and wouldn't hesitate to use Clifton Private Finance again. There were a number of complicating factors such as being an expat, the stamp duty holiday, the sheer amount I wanted to borrow and the fact I wanted it all wrapped up before the Stamp Duty holiday ended. It is clear to me now that the relationship that brokers have managed to foster with their banks means they can simply pull levers and make stuff happen that us ordinary folk cannot. Put simply, they are worth every penny, will take most of the stress out of the lending process, and seem to have access to deals that you just won't find on the internet. Thank you George and Jan for all your hard work!
James M
Luther was excellent. Very clear in his advice and explanations of products and was able to move things on very quickly when we ran into difficulties with the estate agents. Without a doubt I would recommend Luther to all friends, family and colleagues. Luther was a joy to deal with and took a lot of the stress out of a troublesome transaction, from my end. I would view Luther as real asset to Clifton Private Finance Ltd.
William W
The team at Clifton Private Finance has been outstanding, not only in helping me to obtain a mortgage on a slightly unusual home, but also in continuing to provide support and liaise with the lender and solicitors through to completion. Thank you for making the process of buying my first home much easier.
Chantelle S
Sam O'Neill, and the new lender he identified for me, worked tirelessly together using my time constraints, to make sure my mortgage application was completed on time. They are a brilliant company to work with, fast, efficient, open and transparent from the very beginning, and turned a seemingly impossible situation into a viable one. Sam was brilliant throughout the whole process and I would highly recommend him, and his colleague Helen, to anyone without hesitation, I cannot speak highly enough about them.
Myr B
I was incredibly lucky to find Clifton Private Finance after a search on line as their service has been more than exemplary. My point of contact was Sam 0’Neill and he was happy to help at every stage during the application of the bridging loan, making a stressful process much easier to deal with. He was always available by phone or email and gave prompt answers to queries I had as well as always getting back to me when he said he would. That to me is excellent customer service and I cannot thank him personally or the company enough for the support they have given me.
C Jefferey
Adam cannot thank you enough for all your support throughout this arrangement. You have gone more than the extra mile to support us. Without you we would not have got our dream retirement home. You have been most professional and personable. Liz and I would be more than happy if you wanted to use us a reference with respect to any future clients.
Nigel & Liz K - Bristol
You have certainly shown me that you do everything for your clients, including tolerating their excessive emails and questions for updates. I have been kept in the loop, from yourself, about why the delays were occurring (Nationwide, post etc) which I would like to highlight that I really appreciated. I certainly will be able to recommend you to others as and when the need arises.
Mr Morris
I recently contacted Clifton Private Finance after a Google search for bridging finance providers and was immediately struck by their efficiency and support. Forms were emailed over almost immediately and the necessary finance was arranged within a few days. None of the other companies I contacted came close to their professionalism, and the quote that I eventually received was impressive. Thank you Adam, your help has enabled us to reserve the house that we wanted and I certainly recommend you to others.
Mr M. R. - Oxford
Absolutely brilliant. The service was first class, got everything sorted efficiently and were always friendly. Any fees were negligible compared to the service offered. Robert was particularly outstanding.
Charles N
My advisor, Robert, was very helpful in finding the mortgage to suit me. He kept me up to date throughout the process and dealt with any issues when they arose.
Rowena C
