Business finance from £10,000 to £2 million — any sector

Government-Backed & Growth Funding

Commercial Bridging Loans

Short-term, property-secured funding to complete a purchase, refurbishment or development before longer-term finance is in place.

Amount
£50,000 – £2m+
Term
1–24 months
Decision
Within hours

What is a commercial bridging loan?

A commercial bridging loan is short-term finance, usually one to 24 months, secured on property. It is used to complete a purchase quickly — at auction, for example — or fund a refurbishment before longer-term finance or a sale. Interest is often rolled up or retained, and lenders focus on the value of the property and a clear exit plan.

Last reviewed · PFC Commercial Finance

Key features

  • Auction and below-market-value purchases
  • Refurbishment and light development
  • Interest can be rolled up or retained
  • Exit via sale or refinance

How it works

Tell us about your business and what you need. Your dedicated account manager compares commercial bridging loans options from across our lending panel, prepares the application on your behalf and presents a clear, no-obligation quote. There is no impact on your credit score until you choose to proceed.

Who is it for?

UK limited companies, partnerships and sole traders in almost every sector — from start-ups to established businesses, including those with a less-than-perfect credit history.

Commercial Bridging Loans: common questions

What is an exit strategy on a bridging loan?

How you will repay the loan at the end of the term — normally by selling the property or refinancing onto a longer-term mortgage or loan.

What does "rolled-up interest" mean?

Interest is added to the loan and repaid in one go at the end, rather than monthly, which keeps cash free during the project.

How fast can a commercial bridging loan complete?

Often within two to four weeks, depending on valuation and legal work. Auction purchases with a fixed deadline can be prioritised.

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£150,000
£10,000£2,000,000
36 months
6 months72 months
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Figures are illustrative only and are not a quote or an offer of finance. Actual rates depend on your circumstances, the lender and the product. Finance is subject to status and available to UK businesses only.