Commercial Bridging Finance

Commercial Bridging Finance

Looking for a trustworthy provider for a commercial bridge loan? MS Lending Group can help.

What Are Commercial Bridging Loans?

Commercial bridging loans are exactly how they sound, if you want bridging finance for commercial property then these loans are short-term financing options designed to provide immediate funding for businesses and commercial property transactions. 


These loans bridge the gap to cover financial gaps until longer-term financing or other sources of funding become available – simple.
 
Getting a bridging loan for commercial property is a great way of ensuring that you don’t miss out on opportunities to get new property, especially in reactive scenarios like an auction for example. 
 


Generally speaking, commercial loans for property can have lengthy application processes and this is something that some investors simply don’t have time for.

That is where we come in, as we can provide quick bridging loans for business properties so you can keep growing without any restrictions.

Why Choose Us for Commercial Bridge Loans?

At MS Lending Group, we are proud to bring reliable, flexible and importantly fast bridging finance for commercial property valued on a case-by-case basis.
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We carefully evaluate every deal, ensuring that we provide an agreement offer within hours. We are agile in our services, meaning that we work closely with our clientele to ensure that their financial needs are met in a secure and safe manner.
 

We understand that there is no time to waste when it comes to investment, which is why funds can be made available within just 24 hours in some cases, allowing you to pose as a cash buyer in the ever growing competitive commercial market.
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So, why wait? Secure a bridging loan for your commercial property with our help.

How a Commercial Bridging Loan Works

A commercial bridging loan essentially provides a short-term funding solution that is typically secured against commercial or semi-commercial property.

The process begins with an application, where we will assess the value of the commercial asset, the loan amount needed, and the exit strategy. This exit strategy is often a refinancing plan to a commercial mortgage or the sale of the commercial asset/ property itself. 

Unlike some commercial mortgage bridge lenders, at MS Lending Group, we provide decisions quickly. In many cases, funds can be released within 24 to 72 hours. As one of the more flexible commercial bridge lenders in the UK, we evaluate each deal on a case by case basis meaning we can structure terms that work for you.

First and Second Charge Bridging Loans: What Are They?

When you take out a bridging loan, the lender will either hold a first charge or a second charge on the property that you’re using as security. 

These terms simply refer to who gets paid first if the property is ever sold to repay debts.

A first charge bridging loan means the bridging lender is the main lender on the property. 

This usually happens when there’s no existing mortgage. If the property needs to be sold, the bridging lender gets their money back before anyone else.

A second charge bridging loan is used when there’s already a mortgage on the property. 

In this case, your main mortgage lender gets paid first, and the bridging loan lender gets paid second.

Because there’s more risk for the second lender, these loans are sometimes a bit more expensive or require stronger exit plans.

At MS Lending Group, we offer both first and second charge commercial bridging loans.

We’ll help you decide which option fits best depending on your existing finance, how much you need to borrow, and how you plan to repay the loan.

Example Scenario of a Commercial Bridging Loan Application 

The best way to understand if a commercial bridging loan is for you is to assess an example. 

Consider you find yourself a suitable commercial unit that is up for auction, this place has potential and would be a good fit for your investment portfolio. 

However, the issue is that you don’t have the funds right away to purchase the property as securing a mortgage quickly would be too difficult. That is why you turn to a commercial real estate bridge loan from MS Lending Group.

You can then pose as a cash buyer and complete within the 28-day auction deadline.

You’re then able to conduct your refurbishment, gain planning approval for residential use, and refinance onto a long-term commercial mortgage.

Without a commercial bridging loan, the opportunity would have been lost all together.

If you’re ready to jump at the opportunity, get in touch with us at MS Lending Group today.

How Much You Can Borrow with MS Lending Commercial Bridging Loans

MS Lending Group provides commercial bridging finance with no minimum to multi-million-pound facilities, depending on the value of the asset and the strength of your exit strategy.

We specialise in creating flexible, bespoke commercial bridging finance deals, often up to 75% loan-to-value (LTV).

Our team understands that no two commercial bridging loans are the same, that’s why we review each application individually, ensuring you receive funding fast from one of the UK’s trusted commercial bridging finance lenders.

What Can You Use Commercial Bridge Loans For?

Bridging loans for commercial property can be used for a range of situations in which there is a necessity for quick access to capital. Some of the situations in which these loans can be used for can include, but aren’t limited to:

• Property acquisition
• Meeting short-term cash flow requirements
• Time-sensitive investments
• Property repositioning
• Buy-outs / buy-ins
• Business expansion

For more details on how you can acquire bridging loans for commercial property and what you can utilise it for, get in touch with us today.

Get in Touch with Commercial Bridge Lenders You Can Trust

Whether you’re looking for a first charge commercial bridging loan, a second charge facility, or simply need bridging loans for commercial property fast, we at MS Lending Group can help.

We pride ourselves on being one of the most responsive and supportive commercial bridge lenders in the UK. With same-day decisions and rapid access to funding, we’re a preferred choice for commercial mortgage bridging finance.

Start your application today and find out how commercial bridging finance could support your next property deal.

What People Want to Know…

“Best bridging lenders for experienced property traders? Need one with online valuation process and fast completion.“

If you’re an experienced property trader, finding the best bridging lenders is crucial with the main aspect being speed yet efficiency all the while. The good news is at MS Lending Group, we pride ourselves on being one of the commercial bridging finance lenders who truly understand the pace of professional property trading.

We know that when opportunities arise, you don’t have weeks or months to wait. You need a decision made quickly, this means there isn’t room for delayed valuations and that you need funds released so you can move forward with your investment. 

That’s why we offer commercial bridging finance deals with a clear focus on speed, we’re then able to work with online valuations in many cases, cutting down on the time and cost of traditional surveys, which is particularly useful for experienced traders who are already confident in their property assessments.

Our commercial bridging loans are tailored for traders who are often working on multiple property transactions or projects, that is why we work hard for you. Unlike high street banks, which can be slow and rigid, we focus on short-term, flexible solutions that bridge the gap between your purchase and either resale or refinancing.

The goal is to keep you moving, not contribute to more unnecessary hold ups.

So, if you’re looking for a commercial bridge loan with online valuation options and fast turnaround, MS Lending Group is the lender for you. We’ll work with you to make sure your next investment isn’t missed due to delays in funding from lengthy traditional processes that are simply outdated.

“Need quick bridging finance for an auction property – old warehouse with great potential for eco-conversion. What’s the fastest turnaround time possible?“

Auction properties move fast, and so do we. If you’ve secured an auction property, like your old warehouse with eco-conversion potential, you’ll usually need to complete it within 28 days. 

As experienced lenders, we completely understand these intricacies and our bridging loans for commercial property are structured to meet these requirements.

At MS Lending Group, speed is one of our biggest strengths. We are specialist commercial bridge lenders, regularly supporting investors who are buying at auction, where fast access to funds is critical or you’re likely to miss a key opportunity for your investment plan and future. 

Depending on the circumstances, we can often provide decisions in principle on the same day and release funds in a matter of days, provided the required documents and valuation are in place.

We understand the auction environment, missed deadlines mean lost deposits, so it’s important you have a lender that works with auctions regularly.

That’s why our team prioritises commercial bridging loan cases tied to auction purchases, ensuring you have the financial backing to complete.

It is no secret that traditional lenders may struggle to keep pace with auction timelines, but our team of commercial bridge lenders are built for these situations. 

So, what’s the fastest turnaround time possible?

With everything aligned relating to legal work, valuation, and documentation, we can often complete a commercial real estate bridge loan within days, well below the 28-day turnaround necessary. This makes us an ideal partner for investors who can’t afford to wait and risk losing out on their auction purchase.

“Which bridging lenders understand the complexities of social housing funding cycles? Need temporary finance between grant payments.“

Social housing projects have their own unique financial cycles, and not every lender understands them, but we do. 

As experienced commercial bridging finance lenders, we have supported numerous developers and housing providers who require short-term funding to cover gaps that actually often happen between grant payments, housing association leases, or other delayed income streams.

Social housing funding cycles often involve staged payments, long-term lease agreements, or grants from government and local authorities, and while these provide strong security and long-term sustainability, they can create temporary cash flow issues that need to be bridged. 

Our commercial bridging loans are designed to work in these scenarios exactly, in fact we regularly provide bridging loans for commercial property that is earmarked for social housing. 

Our criteria include ensuring leases are secured with recognised Housing Associations, Registered Providers, Charities, or CICs not to mention the fact that we understand the importance of timing within these arrangements.

Unlike mainstream lenders, who may not recognise the value of these cycles, our team assesses the underlying strength of your agreement and the positive social impact of the project.

This allows us to structure commercial mortgage bridging finance that provides stability during funding gaps.

So, in short, yes, we’re one of the bridging finance commercial property lenders who not only understand the mechanics of social housing but actively build products around them.

frequently asked questions

How Much Do Commercial Bridging Loans Cost?

There is no one-size-fits-all when it comes to a commercial bridge loan for property, they are subjective to the value of the loan, the customer’s credit and the type of property in question. While we can’t provide an exact figure here, our team can help you with your individual situation once you get in touch.

How Long Does It Take to Get a Commercial Bridge Loan?

The key detail of our commercial bridge loan service is that it is fast, we can complete the service from start to finish in as little as 48 hours, with most bridging loans being arranged within 24 hours. These come with flexible repayment options to suit you.

Do I Need an Exit Strategy to Apply for Commercial Bridge Loans?

Yes, you will be required to have an exit strategy upon application, it is important that we know how you plan on repaying the finance, but not to worry, as we have flexible options to suit you. For more information on this, get in touch.