Commercial and semi-commercial deals rarely fit a high-street timetable. Bridging buys you the time to complete a purchase, release capital from a property you own, or reposition an asset before refinancing onto a term loan.
No signup, no credit check Whole-of-panel view FCA authorised — FRN 948419
What we can compare
Commercial — retail units, offices, industrial and warehousing, leisure
Semi-commercial — shop or office with flats above, other mixed-use
Vacant and part-let property, where income does not yet cover a term loan
Change of use and permitted development, before or after planning
Auction lots and other purchases on a fixed completion date
How commercial bridging differs
Loan-to-values are usually lower than on residential — often 65% to 75% on semi-commercial and 60% to 70% on pure commercial — and lenders look closely at the tenant, the lease and the location. Rates sit a little above residential bridging to reflect that.
Almost all commercial bridging is outside the FCA's regulated mortgage regime, which means the protections that apply to a loan on your own home do not apply. We will tell you where you stand before anything progresses.
Your exit matters most
Lenders want to see how the bridge gets repaid — a commercial term loan, a sale, or refinancing once a tenant is in place and the income is proven. A credible, evidenced exit does more to secure good terms than anything else on the application.
See which lenders fit your asset
Enter the value, the loan and the term. We rank on total cost over the term, not the headline rate.
Yes. Vacant and part-let property is routine for bridging lenders, where it is difficult for a term lender. Pricing reflects the lack of income and the strength of your exit.
How much deposit do I need?
Typically 25% to 40% of the value depending on the asset type and the tenant position. Additional security can reduce what you need to put in.
Is commercial bridging regulated?
Generally not. Bridging on commercial and investment property sits outside the FCA regulated mortgage regime, so the protections applying to a residential mortgage will not usually apply.
Will comparing affect my credit score?
No. Seeing indicative lenders and rates on Bridge Scout involves no credit check and leaves no footprint.
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