Commercial & Semi-Commercial Bridging Loans

Semi/commercial bridging finance within days

A commercial bridging loan can help to ‘bridge’ a payment gap. Property investors, and business owners generally use a commercial loan to receive funds quickly.

Whether you are buying a new business or a semi-commercial property, we can work with you on your specific requirement to make sure you have the funding you need.

There are many situations in which you may wish to use a commercial or semi-commercial bridging loan. They can help businesses with commercial property purchases such as Warehouses and Office Space, or buildings with a retail business on the ground floor and flats above.

More product information

Download Product Guide

Calculating commercial

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.

Calculate your quote today

Market Financial Solutions MFS Calculator

Commercial Bridging Loans:

Find answers to your key questions below:

What can I use a commercial or semi-commercial bridging finance for?What is the difference between semi-commercial and commercial properties?What are the benefits of bridging loans for commercial property?Why are commercial rates higher than those for residential loans?When would you use commercial bridging loans?What is the difference between residential and commercial bridging finance?

Moving office – Buying a new office building
Converting residential property into semi-commercial
Increasing company assets
Renovations or conversions
Starting a new business venture
Auction deals

Commercial properties

A commercial property is used for business purposes and can house a company and its employees. Commercial properties include:

Office blocks
Shops and retail outlets
Restaurants and pubs
Warehouses

Semi-commercial property:

Semi-commercial properties are often made up of flats located above a shop. For example, the ground floor might be a post office or a small supermarket and all remaining floors above are residential apartments.

There are many benefits of using bridging loans for commercial or semi-commercial properties, particularly for new or small businesses:

Speed

A commercial bridging loan allows an individual or limited company to purchase or renovate a commercial property quickly, as funds can be in your account in as little as three days. This can be particularly helpful for smaller businesses as refurbishment works can then start immediately. If purchasing a new office building or a semi-commercial asset, business owners are able to buy quickly and get the company set up and running. Mainstream finance can take months to complete in comparison.

Expanding

Semi/Commercial property finance can also provide the necessary funds to expand your company by investing in your current asset to raise additional funds.

You will often find commercial bridging loan rates to be higher than those for a residential bridging 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.

When you need to invest in commercial assets quickly. Using our bridging loans for commercial property can help you to meet your deadline, whilst organising a long term commercial mortgage. You will need a long term finance strategy to exit your commercial bridging loan.

Residential bridging loans are for residential investments. Where the property investor purchases a property with the intention of letting the property, or refurbishing/converting to sell on for a higher value.

In comparison, commercial bridging finance can help borrowers purchase a building that will produce a valid income for a business or company. Whilst some areas of the property may feature a residential dwelling(s). The property will also have an element of commercial activity going on in some of the space.

Contact us

Speak to us on the phone, via chat or email about your case, however complex it might be. We have a friendly, dediciated team and one of our underwriters will be happy to help you with your query. We will try our best to say yes to you, instead of finding a reason to say no.

We value your feedback

Leave us a review:

Trustpilot

Google

Thank you Olivia and Imogen for helping us assist with the completion of two Buy To Let Mortgages. On to the next one! Kind Regards, Aakash

Accelerated Finance

via Trustpilot

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

via Trustpilot

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

via Trustpilot

Outstanding work on an urgent completion with a previous broker and lender failing to deliver. The team at MFS including Jeanne, Olivia, Kieron and others stepped up and ensured the client completed and avoided losing their deposit on a time sensitive matter. Nice work and onto the next few.

Kevin

via Trustpilot

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

via Trustpilot

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.

via Trustpilot

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

via Trustpilot

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

via Trustpilot

customer

via Trustpilot

Broker

via Trustpilot

Very Satisfied with their service so far.

Anthony Lai

via Trustpilot

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

via Trustpilot

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

via Trustpilot

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

via Trustpilot

Quality service and staff always willing to find solutions.

Danire

via Trustpilot

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

via Trustpilot

First time I had introduced a client to MFS. MFS offer a freindly and efficient service, they are very competative and I will defenitley use them again. My client is very happy I introduced MFS to them.

John

via Trustpilot

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

via Trustpilot

Excellent experience once again with Sonal - quick response and follow up and clear instructions as to the required details and likely timing - all very straightforward

customer

via Trustpilot