What is a commercial bridging loan?
It's a bridging loan secured on commercial or semi-commercial property rather than a home. The British Business Bank says business bridging loans are also known as commercial bridging loans, and are typically used where a business needs short-term funding. For how bridging works in general, start with our guide to bridging loans.
Which properties count as commercial?
Together describes its commercial bridging as secured against a commercial or semi-commercial building, and lists offices, industrial units and mixed-use property such as a shop with a flat above. It also considers unusual buildings, including non-standard construction, churches and former banks.
How much can you borrow, and for how long?
That's set by each lender. Here's what two named lenders publish (checked 2 November 2026; criteria change, so confirm before relying on them):
| Lender (published page) | Loan size | Max LTV | Term | Rates from (per month) |
|---|---|---|---|---|
| Together — commercial bridging | From £26k; typically up to £5m | 70% | Typically 12 months | 0.94% |
| Hope Capital — commercial bridging | £50k–£5m | 70% | 3–18 months | 0.95% |
"From" rates are the lowest a lender advertises; Together notes you may be offered a higher rate. Hope Capital's page carries a 2023 copyright date, so its figures may be out of date. Our bridging loan rates guide explains what moves the rate.
Are commercial bridging loans regulated?
Generally not. Together states that loans from Together Commercial Finance Limited are not regulated by the FCA. The FCA regulates bridging only when the borrower or close family will live in the property, as the Personal Finance Society explains — so a semi-commercial building where you'd live in the flat above needs a different conversation.
What will a lender want to know?
- The property: type, use, tenancy, and its value now.
- Who's borrowing — usually a limited company or SPV — and its directors.
- What the money is for: purchase, refinance, capital raise, or works (see refurbishment bridging).
- The exit: sale, or refinancing onto a commercial mortgage.
What does it cost?
A monthly rate plus arrangement and other fees, which the British Business Bank lists as broker, lender, legal and administration fees. Run your numbers through the bridging loan calculator.
Is bridging right for you?
Bridging is short-term borrowing secured on property, and the lender can take that property if the loan isn't repaid. Only use it with a realistic exit, and compare it with a standard buy-to-let or commercial mortgage first — if you have time to wait for one, it usually costs less. Speak to your accountant or solicitor if you're unsure.