Commercial Bridging Loans
What is a commercial bridging loan?
A commercial bridging loan is short-term finance secured against commercial or semi-commercial property, for business and investment purposes. Berkeley Credit lends up to 65% LTV, from £50,000 to £25,000,000, from 0.79% per month, with a same-day decision, across England and Wales.
What we lend on
- Offices, retail, industrial and warehouse units
- Mixed-use and semi-commercial property (commercial with a residential element)
- Property a trading business is buying for its own use
- Commercial assets held for rental income or repositioning
Common uses
Acquiring a commercial or mixed-use asset at speed, raising capital against one you already own, funding a lease event or a change of use, or bridging to a longer-term commercial mortgage. Terms run from 3 to 24 months, first or second charge, with the exit a sale, a refinance or business proceeds.
How we lend
We’re asset-led — a proper valuation of the commercial security and a verified, credible exit, rigour applied to the asset rather than to affordability. We lend up to 65% LTV on commercial and mixed-use, our own capital, on a single registered charge. Complex structures and offshore ownership are routine.