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. → Complex ownership · Offshore & expat
Frequently asked questions
What counts as semi-commercial?
Property with both a commercial and a residential element — a shop with a flat above, for example. We lend on these as well as wholly commercial assets, up to 65% LTV.
Can a business borrow to buy its own premises?
Yes. Lending to a trading business to acquire its own commercial premises is business lending we’re happy to consider, secured on the property and a clear exit.
How much can I borrow on commercial property?
Up to 65% of value for commercial and mixed-use, from £50,000 to £25,000,000, on a proper valuation.
How fast is a commercial bridge?
A decision in principle the same day; completion follows once valuation and legals are done, run to your timescale.
Talk to us about a commercial bridge
Tell us about the asset and the plan, and get an honest, same-day decision. £50,000 to £25,000,000 across England and Wales.
Call 07887 179096 · Email info@berkeleycredit.co.uk
Berkeley Credit Limited is registered in England & Wales (Company No. 16111009) and with the FCA under the Money Laundering Regulations (No. 1029007); not fully FCA authorised; no regulated advice. All lending is for business and investment purposes only, on property the borrower does not occupy, and subject to valuation, legals and underwriting.