Commercial Bridging Finance

Fast, Decisive Bridge Finance for Commercial Property Professionals

Commercial property transactions operate to their own logic. The assets are diverse, the tenancy arrangements are complex and the window in which to act is often narrow. For investors, operators and developers working across office, retail, industrial and mixed-use sectors, having access to fast, reliable commercial bridging loans in the UK is not a luxury — it is frequently a commercial necessity.

Amica Capital provides commercial bridging finance structured around the asset, the borrower and the deal. We are experienced across commercial property asset classes and we make our lending decisions with a genuine understanding of what drives value, risk and return in the commercial market. We are not a high-street bank applying generic criteria to a specialist asset class. We are a team of finance and property professionals who assess each opportunity on its own merits.

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Finance Structured Around the Opportunity

Residential bridging finance is a form of short-term secured lending, typically arranged for between three and twelve months. Unlike a conventional mortgage, a bridging loan is designed to bridge a funding gap — to provide immediate access to capital while a longer-term solution is arranged or a property is prepared for sale.

The defining characteristics of a residential bridging loan are speed and flexibility. Decisions can be made in days rather than weeks, and each facility can be structured to accommodate a wide range of exit strategies: from a straightforward open market sale through to refinance onto a buy-to-let mortgage, term loan or further bridging facility.

At Amica Capital, we take a pragmatic and experienced approach to residential bridging. We assess each transaction on its own merits, giving proper weight to the quality of the asset, the credibility of the borrower and the robustness of the proposed exit. We are not constrained by the rigid automated scoring systems that characterise high-street or institutional lenders — our credit decisions are made by experienced property professionals who understand the realities of the UK market.

What Is Commercial Bridging Finance?

Commercial property bridging finance is short-term secured lending against a commercial or mixed-use asset. It serves the same essential function as residential bridging — providing rapid access to capital while a longer-term solution is arranged — but applied to the more varied landscape of commercial property.

Commercial bridging loans are typically unregulated, which means they are not subject to the same regulatory framework as residential mortgage products. This gives both lender and borrower greater flexibility in how facilities are structured, and allows for a more pragmatic and commercially focused approach to underwriting.

At Amica Capital, our commercial bridging finance is available for a wide range of asset types, transaction purposes and borrower profiles. If the deal makes sense and the exit is credible, we are in a position to move quickly.

Residential Bridging Finance at a Glance

Loan sizes from £100,000
LTVs up to 75% of open market value
Loan terms from 3 to 12 months, with extensions considered on merit
Decisions in principle typically within 2 business days of enquiry
First and second charge lending considered
Retained, serviced and rolled interest structures available
Open and closed bridge products available
Lending across England and Wales

Asset Classes We Consider

We assess commercial bridging applications across a wide range of property types:

Office buildings: city centre and out-of-town, single and multi-let
Retail property: high street, parade and retail park assets
Industrial and logistics: warehousing, trade units and light industrial estates
Leisure and hospitality hotels, care homes, pubs and restaurants considered on merit
Mixed-use assets: properties combining residential and commercial elements
Development land with commercial value: considered alongside a credible planning or development exit

We do not apply blanket restrictions by asset class. Where others may hesitate at an unusual or complex commercial asset, we look for a credible path to a good outcome.

Common Uses for Commercial Bridging Finance

Auction Acquisitions

The 28-day completion window at commercial property auction demands a lender that can move with pace and precision. We have experience in fast commercial bridge loans and can issue an agreement in principle before auction day so that you can bid with full confidence and meet your completion obligations on time.

Permitted Development Conversions

Commercial bridging finance is widely used by investors acquiring office or retail assets for conversion to residential use under permitted development rights. The bridge funds the acquisition while the developer secures planning confirmation and a development facility. We are comfortable with this transition risk and experienced in structuring facilities that accommodate it.

Commercial Refinancing

Whether you need to exit an existing commercial facility ahead of its expiry, release equity from a commercial asset or restructure your borrowing ahead of a refinance, commercial refinance bridging loans from Amica Capital provide a flexible and rapidly deployable solution. We do not require complex refinancing proposals to fit a standard template — we structure each facility around the objectives of the borrower.

Business Liquidity and Short-Term Capital

For businesses and investors with commercial property assets, bridging finance can provide a route to accessing liquidity without the need for a formal commercial mortgage or business loan. Property-backed business bridging finance allows borrowers to unlock equity quickly, with the facility redeemed once the underlying business or financial event has resolved.

Vacant or Part-Let Commercial Property

We can consider lending against commercial properties that are vacant or only partially let, provided the exit strategy is credible. This opens opportunities that more risk-averse lenders might decline, and it is precisely the

Why Choose Amica Capital for Commercial Bridging?

Genuine commercial property expertise

Our team has direct experience across commercial real estate, not just in lending against it. We understand the variables that determine value and risk in commercial property and we apply that knowledge to every credit assessment we undertake.

Speed without cutting corners

We understand that commercial transactions are often time-critical. We move quickly through every stage of the process — from initial decision to valuation instruction to legal completion — without compromising the quality of our due diligence.

Speed without cutting corners

Flexible structuring for complex transactions

Commercial assets and transactions are more varied than residential equivalents. We embrace that complexity and structure facilities that reflect it, rather than applying residential lending logic to a fundamentally different asset class.

Commercial Bridging Finance at a Glance

Office, retail, industrial, leisure and mixed-use assets considered
LTVs up to 75% depending on asset type, location and exit
Loan sizes from £100,000
Loan terms from 3 to 12 months, with extensions considered
First charge lending; second charge considered in appropriate circumstances
Unregulated bridging loans available for commercial and investment transactions
Fast commercial bridge loans — indicative terms typically within 2 business days
Retained and serviced interest structures available
England and Wales

Who Uses Commercial Bridging Finance?

Commercial property bridging finance is used by a broad range of investors, operators and property professionals, including:

Commercial property investors

seeking to acquire an income-producing asset at auction or ahead of arranging longer-term investment finance. Auction commercial bridging finance is one of the most time-sensitive use cases and one we are well-equipped to support.

Developers and permitted development operators

acquiring commercial assets for conversion to residential or mixed use, requiring bridge finance for commercial property purchase ahead of a development facility being put in place.

Business owners and operators

requiring short-term borrowing secured against a commercial property asset — whether to fund working capital, manage a tax obligation or unlock equity ahead of a business transaction. Business bridging finance in the UK is a growing requirement, and one Amica Capital is well-positioned to meet.

Landlords with commercial or mixed-use portfolios

seeking to refinance one or more assets efficiently ahead of a planned commercial mortgage or portfolio restructuring.

Developers and investors facing an imminent deadline

whether an expiring planning consent, an impending void, a lease event or the expiry of an existing facility — who require a fast, reliable short-term commercial property loan to stabilise the position.

Talk to Our Team Today

If you have a commercial property transaction you wish to discuss — whether a straightforward refinancing, an auction acquisition or a more complex structured deal — our team would be pleased to hear from you.

Frequently Asked Questions

Are your commercial bridging loans regulated?

Commercial and investment bridging finance is typically unregulated, meaning it is not subject to FCA consumer credit regulation. This applies to loans made to limited companies or to individuals where the security property is not their primary residence and the loan is for business or investment purposes. We will confirm the regulatory position of your specific transaction at the outset.

Will you lend on a vacant commercial building?

Yes, in appropriate circumstances. We assess the asset on its fundamentals and the borrower’s plan for it. A clear, credible exit strategy is the most important factor — vacancy alone does not make a transaction unacceptable to us.

How quickly can you complete on a commercial bridging loan?

We can issue indicative terms within two business days. From formal application to drawdown, our target is two to four weeks, subject to the complexity of the legal and valuation work involved. For auction transactions, we prioritise the timeline accordingly.

What is the maximum loan size?

We lend from £100,000 with no fixed upper limit for the right opportunity. Larger or more complex transactions are assessed individually, and we are experienced in structuring facilities for significant commercial assets.