Supporting a Young Business with Our Bridge Fusion Product

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Investing in commercial property in an effort to revitalise a local high street is a commendable endeavour. But an owner-occupied business such as a restaurant can be hard to get off the ground. As such, our Bridge Fusion product could be of particular use here.

Fusion allows for a longer term to be taken on lower interest rates, potentially saving thousands of pounds in interest. This is crucial for an entrepreneur who’s trying to make a new business venture a success.

Our Fusion loans have terms of 24 months, but this may not be enough to allow a new restaurant to make a name for itself in a local market. But, perhaps its fortunes could be on the verge of turning.

Say the underlying borrower is on the verge of hitting a new milestone. Maybe the restaurant in question is about to receive a raving review in a respected dining publication.

But the broker may be concerned that it’s still not a great time to refinance as they approach the end of the initial term. To help, we (at our discretion) can offer a 12-month extension on the loan. This would allow the borrower more time to grow their business and reap the rewards of the review.

Also, it may allow the borrower to secure better terms down the line, if their business/investment ends up in a healthier position. Furthermore, the Fusion loan would allow for flexible overpayments. After six months, up to 25% overpayment is allowed ERC free, meaning any surplus funds from a strong business performance could be applied directly to the loan.

This absence of an ERC would give the underlying borrower the freedom to pursue long-term refinancing options for the exit strategy without facing penalties.

FAQs

Can you provide finance that supports both property and business needs in one loan?

Our Bridge Fusion product is tailored for exactly that purpose. It allows you to access funding which supports business-critical expenditure, such as opening a local high-street restaurant, while benefiting from longer-term, lower-rate financing. This means you can secure funding to revitalise both property and operations under one efficient facility.

What makes Bridge Fusion suitable for new businesses?

Bridge Fusion offers a 24-month term that provides breathing room for emerging ventures to establish themselves. It includes a discretionary 12-month extension, giving further time to build traction. Borrowers can also make overpayments, up to 25% of the balance after six months, without penalty, allowing for flexibility as revenue grows.

How do you support businesses that have recently hit a rough patch?

We recognise that unexpected events, such as economic swings or operational setbacks, can place pressure on cashflow. Through Bridge Fusion, we provide time and funding to stabilise the business, with an underwriting approach that looks beyond short-term dips and focuses on long-term viability.

What documentation helps you assess a combined business-property loan?

We ask for a clear business plan and revenue forecast alongside property details. Evidence of upcoming milestones allows us to tailor the loan and release funds to support cashflow during critical growth phases.

Can I repay early without penalties if my business grows faster than expected?

Yes. Our Bridge Fusion product allows up to 25% overpayment after six months with no early repayment charges. This means if your commercial asset performs ahead of schedule, you can reduce debt without penalty.

Do you fund business start-ups through property finance?

Absolutely. We regularly fund owner-occupied and commercial start-ups, where the business operates from the secured property. Our approach blends a property-backed facility with breath to grow the commercial venture, making it easier to launch and scale in one integrated funding solution.