What is a Commercial Bridge Loan?

A commercial bridge loan is short-term property or business finance used to bridge the gap between an immediate funding need and longer-term finance being put in place. It is commonly used in UK property transactions — to complete a purchase before a property is sold or a commercial mortgage is arranged — and in business acquisitions where an opportunity must be acted upon quickly. Seven Hills Capital Group has access to the full UK bridging lending market and will find the fastest and most competitively priced bridge for your transaction.

You identify a time-critical funding need — property purchase, acquisition, urgent cash flow gap

A bridge loan is arranged — typically within days for straightforward cases

The loan is secured against property or business assets

You complete the transaction using the bridge loan funds

The bridge is repaid when long-term finance completes or the property is sold

Pros

• Fast to arrange — bridging finance decisions often within 48–72 hours
• Enables time-critical transactions that would otherwise be lost
• Flexible — available for a wide range of commercial property and business purposes
• Secured against property — broader lender appetite than unsecured business lending

Things To Consider

• Higher cost than long-term finance — typically monthly rates of 0.5–1.5% rather than annual
• Short term by nature — usually 1 to 24 months maximum
• A credible exit strategy must be in place before the bridge is arranged
• Property or asset security is required in most bridging finance cases

How quickly can a commercial bridge loan be arranged?

Specialist bridging lenders can approve straightforward cases within 24–72 hours and complete within days. Seven Hills Capital Group knows which bridging lenders genuinely deliver on speed and will go straight to the right one for your transaction.

What can a bridge loan be used for?

Commercial property purchases, property development, business acquisitions, temporary business cash flow gaps, urgent tax liabilities, and any situation requiring fast short-term capital while longer-term finance is being arranged. Bridge finance is one of the most flexible short-term products in the UK market.

What loan-to-value ratio can I get on a bridge loan?

Commercial bridging lenders typically lend up to 70–75% of the property or asset value. Some specialist lenders go higher for strong borrowers with a clear exit strategy. Seven Hills Capital Group will identify the highest realistic LTV for your specific security and transaction.

What does bridging finance cost?

Bridge loans are typically priced on a monthly basis — commonly 0.5% to 1.5% per month plus arrangement fees. Seven Hills Capital Group will always show you the full cost — including all fees — before you commit to any bridging facility.

What is an exit strategy for a bridge loan?

An exit strategy is how you plan to repay the bridge loan — through a property sale, a commercial mortgage completing, or another source of finance. Lenders require a credible exit before approving bridging finance. Seven Hills Capital Group will help you structure and present your exit clearly.