Our commercial calculator is here to provide you with a detailed quote for your next commercial investment. Available for both commercial and semi-commercial, take your first step towards your commercial bridging loan.
Commercial bridging finance is a loan that can be used on a commercial property. This means that the property is used for business purposes and could house a company and its employees. This may include, but is not limited to:
A semi-commercial bridging loan is one which can be used on property that is mixed-use, in that it has both residential and commercial elements in it, all under one roof. An example would be a block of flats above a shop.
Bridging loans can be used on both types of properties. They could be used for acquisition of semi-/commercial property, or releasing capital for other ventures.
You can borrow from £100k to £20m for semi-commercial properties, and from £100k to £30m on purely commercial properties. It will all depend on the loan to value (LTV). We lend up to 75% of the properties value.
You can use semi-commercial or commercial bridging finance for many different projects.
This can include:
The types of property that can be purchased with this type of bridging loan are commercial property or semi-commercial property. This means that some economic activity will need to be ongoing within at least a portion of the property for semi-commercial, or in the whole property for commercial.
Bridging loans for commercial property:
Bridging loans for semi-commercial property:
Our bridging loans for commercial property can be issued in as little as three days, supporting investors facing tight deadlines. Where a project is at risk of falling through, due to unexpected complications or shifting priorities, specialised finance can keep a purchase afloat while long-term solutions are found.
This speed can also help borrowers jump on an opportunity before it’s too late. Entrepreneurial investors may spot an opening in a market, which may not be around for long, or could be snapped up by a competitor. Bridging can help investors take advantage of these kinds of opportunities immediately. By comparison, mainstream finance can take months to complete.
Semi-commercial bridging loans can be arranged much more quickly than finance from a mainstream lender such as a high-street bank. At MFS, we can move essentially as quickly as the borrower’s solicitors can. We are able to provide funds in as little as three days, regardless of the complexity of the case. We also respond to all enquiries within four hours.
The fees that are relevant to bridging loans for commercial property include a commitment fee, which is refunded on drawdown. There will also be an arrangement fee which would be from 1% of the loan amount. Some lenders also charge an early repayment charge, however here at MFS we do not. We simply have a minimum loan term of 3 months. There may also be an exit fee, which is discussed on a case-by-case basis and at the beginning of the process, to ensure all charges are clear.
Residential loans are for residential investments – where the property investor purchases a property with the intention of letting the property to a single tenant or multiple tenants for them to live it. Or, refurbishing/converting the asset to sell on for the same purpose.
In comparison, commercial bridging finance can help borrowers purchase a building that will produce a valid income for a corporation or company, or house a company. Whilst some areas of the property may feature a residential dwelling(s) (which would make it semi-commercial), the property will also have an element of commercial activity going on in some of the space.
You will often find commercial bridging finance rates to be higher than those for a residential loan, but why is this? It all comes down to risk.
Residential assets are often easier to liquidate than commercial properties, meaning that lenders often put more on the line when lending on a commercial asset. To balance out the increase in risk, rates are often higher to safeguard the lender.
As each case we deal with is unique, the specific paperwork needed will be dependent on the circumstances involved. However, some of the standard documents/information that we request includes:
For commercial & semi-commercial bridging loans, there may also be more due diligence placed on asset & liability statements.
Property investors can utilise our commercial bridging loans through multiple routes. They can apply as individuals or through company setups. What’s more, we can also work with foreign entities and those based abroad. Our flexibility allows us to service investors who may struggle on the high street. We’re often able to service investors with adverse credit histories, CCJs, missed mortgage payments, defaults, bankruptcies and the like.
Call or email us today to get your application started.
You can call on +44 (0) 20 7060 1234 or email info@mfsuk.com and you will be connected with one of our dedicated underwriters, who will discuss your requirements with you, and guide you through the process.
Get in touch via phone, chat or email about your query, however complex it might be. We will try our best to say yes to you, instead of finding a reason to say no.
Email: info@mfsuk.com
Phone: +44 (0)20 7060 1234
Email: brokers@mfsuk.com
Phone: +44 (0)20 7060 1234
Tom Gill, BDM at MFS, has been professional and a pleasure to deal with. Extremely pleasant, helpful, knowledgeable and working with my client best interest at the forefront of every decision to secure the most appropriate solution to fit my client's needs. Tom has a true passion for what he does and, despite the hurdles, we worked together with the support of with Shaun Bains (very nice and professional too!) to get the best outcome for my client. The result was a happy client that is delighted and asked me to do more work for them! Thank you very much indeed Tom and the MFS team. To more deals together! All the best, Eric Giordanengo
Eric Giordanengo
I would like to thank Sumit for his continuous hard-work and kind assistance on all my deals. Sumit is extremely professional and is willing to go the extra mile to complete a deal. The service provided is excellent. Sumit is attentive and regularly keeps brokers updated during the process and makes sure all deals are completed on time.
Michelle
Sonal was excellent, from start to finish and I look forward to working with MFS again in the near future
Ryan Gruzinski
I've had a recent completion, and my first ever with MFS. The way they stuck with the deal with an obstructive vendor was above and beyond the expectations of any lender (I could go on for hours about the vendor) With easily over 300 bridging completions under my belt in my career I know good service when I see it, my only regret is that I should have been using MFS more. Special mention to Jemma Vaja for her hard work.
Liam
From the first time I spoke to Sonal about the case , I was assured that MFS will be able to help . And yes they did. Sonal sent me terms very quickly and the whole process was seemless. We always got updates and Sonal was very professional and did a brilliant job until the case was finally completed . Our Client was very happy and this meant we were very happy too. We had a fantastic experience and we believe this will be the first of many . To Sonal a big thank you for your wonderful professional yet friendly assistance .
Mr Gabriel
Bridging Finance that took longer than anticipated to complete (in this instance solicitors ready to go but MSF Compliance had an issue) but all the same the u/w team were on hand to offer assistance. Client feedback is that solicitor fees do add up with MSF cases (especially BTL apps), so make sure you/your client take this into consideration.
Amie-Be Compliant Ltd
Really good experience from start to finish. Extremely diligent and very efficient way of working. Could not find any faults in the whole procedure. Definitely recommend it to others that are looking for this type of facility. Harj and Kiran we’re very professional at all times even working on a weekend if need to. Once again a big A BIG THANK YOU!!!
JOJAR DHINSA
Really excited to be working with MFS. Underwriter was busy throughout the application and it was difficult to get her on the phone, however our BDM Oli Watts was available throughout the process and that made it more efficient for us. If we were unable to get an update form UW Oli would get the info for us regularly.
Tobi
MFS, Thank you for giving all my clients an amazing service, Jemma, especially, she has been very professional and efficient since she joined MFS. She is a definitely a great asset to the company. Jemma, thank you and well done for all your assistance!
Maria
As a mortgage broker, I have dealt with MFS several times and all successfully progress to completion on time. I have to mention that the BDM Zahira and the Underwriter Jeanne have been working really hard to make sure my urgent deals completed within the deadline and updated me several times a day so I am always aware whats going on. Top services.
Sabrina
I have dealt with MFS for a long time as a Commercial Financial Broker. A great company to deal for all your short term funding needs. The speed, professionalism, communication and friendliness of staff are just great. I have dealt recently with Jemma who is always ready to help and sort out hurdles. Kieron and Richard are a few who i have dealt who brilliant. Also Paresh who is the CEO of MFS is a great person to deal. MFS always exceed expectations.
Victor
Five Star Service Another bride company let me down with an unreasonable underwriter view, which cost my client two weeks, a valuation, and solicitor fees. My client needs to close the deal within three weeks. MFS has given me hope and taken the human thinking approach to overcome all the obstacles. Craig, Wayne, and Will provided excellent support (all calls were answered the same day). A big thanks go out to them. The whole team deserves five stars. Easy Financial Services LTD
AJIT SINGH
Working with MFS is an absolute pleasure. They are always in communication and so everything they can to deliver a seamless transaction within a short time and minimum fuss. All in all a very professional outfit. Working with Jemima Hyes and her team has been great.
Ripon Mahmood
I've had the pleasure of dealing with MFS in particular Imogen and Kieron. On each occassion from the initial phone call to discuss the nature of the case and sending across the enquiry form they have been proactive and quick to get the indicative terms issued. They are knowledgable and very helpful.
Amit Patel, Trinity Finance
Exceptional service from a professional, diligent and creative team. In particular - a special thanks to Sonal who effortlessly simplified the complexity of the matter, maintained clear lines of communication and ensured overall transactional efficiency.
DG
I have dealt with MFS for 3 years. They have always been professional and found competitive structured finance solutions for my clients. They also offer a wide range of products. They have always got offers out quickly which is paramount to me. I have dealt with several of the team at MFS and they have all given me an excellent service.
customer
We have completed a complex case. Underwriters were promptly acting in each time.
Dinesh
We've had nothing but great service from Zahira and Kieron whilst working with MFS. It's a pleasure to work with a common sense lender who are efficient, dedicated, commercially minded and easy to communicate with. Thank you, and keep up the good work!
Chris Oatway
Very tricky case, handled expertly by Jemma and the team, even though interest rates increased in the middle of the application, MFS ensured that any increase was as minimal as possible. Top effort and will be using MFS again
Craig
I have known Kieron and MFS for circa 4 years. Nothing is ever too much of a problem for Kieron and he is very quick to respond to my enquiries. A few months ago we completed two very tricky transactions in excess of a million pounds of Bridging and Kieron sorted out every question and query that we came across. Kieron’s ability to quickly refer up the line was also extremely helpful and he has access to the decision makers who without doubt have a 'can-do' attitude! I run a team of 5 Commercial brokers and I have recommended MFS to them on a number of occasions, so expect a plentiful supply of new business! Thank you to all at MFS, you are a great bunch!
Andy Elley
