Commercial Bridging Loans
When you need capital, you need it quickly. Lengthy approval processes can delay your operations and purchases, potentially costing opportunities. At AptPay, we offer commercial bridging loans, assured against property, that supply immediate capital and time to develop a long-term funding plan. We can have the money in your account within hours, helping you make swift business decisions.
Our experienced financial team evaluates each application to determine your eligibility. We can explain our available options and provide bespoke loan terms.
- Expert Support and Advice
- Flexible terms
- Working with your credit history
- Loans up to £50 million
- No hidden fees
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Advantages Of Bridging Loans
We are proud to offer bridging loans for commercial property with multiple advantages.
Instant Cash Sums
If you face tight deadlines, the money from our bridging loans can be in your account in just a few business days, letting you invest quickly.
Time To Restructure
We bridge the gap with our loans, helping you purchase new assets and providing time to set up long-term repayment solutions.
Take More Opportunities
Sometimes, investment opportunities arise when you don’t have the liquid capital to invest. Our loans let you take these chances.
Why You Need Our Commercial Bridging Loans
When you find an opportunity you cannot miss, you need capital fast. We offer lump sums whilst you free-up funds from your assets. This short-term solution allows you to take an opportunity quickly and then organise your repayments later.
You could use our loans to:
- Buy a property
- Make refurbishments
- Develop a property
- Expand your business
Properties You Could Purchase
Our customers use bridging loans for commercial property to purchase, develop and refurbish:
- Offices
- Hotels
- Pubs and restaurants
- Warehouses and factories
- Retail stores
- Care Homes
- Places of Worship
- HMOs
However, our loans can finance many other types of property. If you are unsure about your plan, speak to our experts, who can explain all of our available options.
Why Choose AptPay
Our clients choose our loans for several reasons. Here are just a few of them:
Working With Your Credit History
We believe that your financial past should not impact your future, so we don’t perform automated credit checks. Instead, we work with you to find a solution, and our financial specialists use all their connections to get you the best possible teams.
Individual Evaluations
Some lenders use algorithms to determine your eligibility. These binary systems will often reject unfavourable applications before entirely considering their options. We commit to evaluating each case individually and offering you the best solution.
Experienced Support
Our financial team has been providing commercial bridging financing for years and has supported many unique ventures and businesses. Their expertise is second to none and always just a call away.
Flexible Terms
Every opportunity is different, so we don’t pigeonhole you with rigid terms. All our bridging loans for commercial property are bespoke, based on how much you want to borrow and the property you are securing against, providing a deal that suits your needs.
Our Loan Terms
We tailor our loans to you. If you are looking to make a commercial investment, here are our options:
Property
Our loans help you invest in property quickly.
Rates start from: 0.65%
Charges: 1st & 2nd
Max Value: £50 Million
LTV: Up to 70%
Term Length: 1 – 24 months
Security: Resident & commercial property
Fees: No hidden fees
Heavy Refurbishments
If you want to refurbish your property, we can supply the capital.
Rates start from: 0.65%
Charges: 1st & 2nd
Max Value: £50 Million
LTV: Up to 65%
Term Length: From 1 – 24 months
Security: Residential & commercial property
Fees: No hidden fees
Light Refurbishments
We can fund your light refurbishments, regardless of your financial position.
Rates start from: 0.65%
Charges: 1st & 2nd
Value: £50 Million
LTV: Up to 70%
Term Length: 1 – 24 months
Security: Residential & commercial property
Fees: No hidden fees
Business
We provide capital to grow your business operations.
Rates start from: 0.65%
Charges: 2nd
Max Value: £50 Million
LTV: Up to 70%
Term Length: 1 – 24 months
Security: Commercial property
Fees: No hidden fees
FAQ
What are commercial bridging loans?
Commercial bridging loans are loans secured against property and used for commercial purposes. They are immediate cash sums loaned over a short period to bridge the gap until you can structure a repayment plan. With the money, you can purchase, renovate or develop offices, warehouses, retail stores, restaurants and a host of other commercial ventures.
Why should I choose a bridging loan?
Commercial bridging provides the capital to take time-sensitive opportunities and implement long time financing plans later. They are ideal for purchasing and renovating commercial properties.
How much capital can I borrow?
You can borrow up to £50 million from us, depending on the value of the security property.
Can I still apply for a commercial bridging loan with poor credit?
You can. We specialise in working with individuals with poor credit. We don’t complete automated credit checks, and our experts will help you find a solution.
Can I apply for a bridging loan if I’m retired?
Yes. You can apply and secure our bridging loans as long as you have one or more properties to secure the loan against and a repayment plan. They are great for UK residents with low income-to-debt ratios.
Can I apply for a bridging loan if I’m self-employed?
Yes, all you need to be eligible for our loans is one or more properties to secure against and a repayment plan. Bridging loans are ideal for UK residents with a low income-to-debt ratio.
Can I apply for a commercial bridging loan to buy land?
Yes, if you want to buy land for commercial purposes, you fund the purchase with our commercial bridging loans.
How is my interest rate determined?
All our interest rates are unique to the loan beneficiary and depend on the security property’s value. Speak to our experts for more information.
How does residential and commercial bridging finance differ?
The key difference between commercial and residential bridging finance is the type of property the loan purchases. A residential loan is used for residential investments, for example, purchasing a property to let out to tenants for living accommodation.
Commercial bridging loans help people invest in a property that will house or generate income for a business.
Why are your commercial loan rates higher than your residential loan rates?
We determine our loan rates based on risk. Residential properties are easier to liquidate than commercial alternatives, so there is a lower risk to us as a lender.
What information do I need to supply for a commercial bridging loan?
We only ask for three small pieces of information with your commercial bridging loan application:
- The full address, value and details of outstanding balances on the security property
- A repayment strategy
- A business plan explaining how you will use the capital
How long does it take to arrange a commercial bridging?
Generally, it takes a week or two to secure a commercial bridging loan, though we have previously helped clients secure them within 24 hours. Preparing all the necessary paperwork and using our expert advisors will shorten the process.
Once we have agreed upon the loan, the funds can be in your business account within a few business days.
Are all commercial bridging loans unregulated?
Bridging loans are only ever regulated when offered to consumers, so our commercial options are unregulated as they do not impact personal rights.
Do you charge additional fees?
No, with our loans, there are no hidden fees or entry and exit costs. We explain every cost before you sign the contract and won’t surprise you with unexpected fees.