Commercial Bridging Loans
When the opportunity won’t wait for a commercial mortgage, bridge it.
Commercial deals move faster than commercial lending
A unit at auction, a competitor’s premises suddenly for sale, a lease event that forces a quick decision, commercial opportunities routinely demand completion in weeks, while a full commercial mortgage takes months.
Bridging finance exists for exactly this gap: short-term, security-led lending that completes at speed, refinanced or repaid once the long-term position is in place. Used well it wins deals; used carelessly it gets expensive. The exit is everything.
How ERG helps
- Speed with substance:
- We know which bridging lenders genuinely complete quickly on commercial security, and what they need from day one to do it.
- The exit comes first:
- Every bridge we arrange starts with the repayment plan. Sale, refinance or trading cash, stress-tested before you commit.
- Whole-of-market terms:
- Bridging pricing varies wildly. Access to the full market keeps the cost of speed honest.
Who we help
Common commercial bridging scenarios:
- Auction purchases with 28-day completion
- Securing premises ahead of a commercial mortgage
- Short-term funding during refurbishment or re-letting
- Breaking a chain on mixed business/property deals
- Releasing capital from commercial property, fast
Frequently Asked Questions
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With a clean case and a responsive legal team, a few weeks is realistic, sometimes faster. The biggest variables are valuation and legals, so we line both up at the start.
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A credible, evidenced route to repayment: refinancing onto a commercial mortgage, sale of the asset, or contracted business income. Lenders price confidence. The stronger the exit, the better the terms.
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It costs more than term lending, that’s the price of speed and flexibility. Whether it’s worth it depends entirely on what the speed wins you, which is a calculation we’ll do with you honestly before anything is signed.
Speak to an advisor
Book a consultation
Check out our availability and book the date and time that works for you.
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Time zone: United Kingdom (Europe/London)
Your consultation
A 30-minute telephone call with one of our advisers. Tell us a little about your situation and we’ll match you with the right person.
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