£2.45 Million Commercial Bridging Loan for Mixed-Use Property Acquisition

• Loan Type: Commercial Bridging Loan
• Loan Amount: £2.45 million
• LTV: 65%
• Term: 12 months
• Security: Mixed-use property (retail & residential)
• Location: South East England

The Challenge

The client was an experienced property investor seeking to acquire a mixed-use asset comprising ground-floor retail units with residential apartments above. The property was being sold off-market, and the vendor required swift, reliable completion within a tight timeframe.

While the client had strong experience and a clear business plan to enhance rental income across both the commercial and residential elements, the asset was not suitable for immediate long-term financing due to upcoming lease restructures and planned refurbishments. A traditional commercial mortgage would not complete quickly enough, nor would it offer the flexibility required.

Speed of execution was critical, with the client needing certainty of funding to secure the purchase and avoid losing the opportunity.

The Solution

Global Bridging Finance structured a tailored commercial bridging loan at 65% loan-to-value, secured against the mixed-use property. We approached specialist lenders with a strong appetite for semi-stabilised commercial assets and experience in underwriting blended income profiles.

By presenting a clear exit strategy, refinancing onto a commercial investment mortgage following lease renewals and value enhancement, we secured competitive terms and a lender able to move quickly. Our team coordinated closely with the valuer and solicitors to ensure the transaction progressed without delays.

The loan provided sufficient headroom to complete the acquisition while allowing the client time to implement their asset management strategy.

The Outcome

The £2.45 million commercial bridging loan was completed within weeks, enabling the client to secure the property on schedule. The client is now progressing with lease negotiations and minor improvements to strengthen income, with plans to refinance onto longer-term commercial funding well within the loan term.

This transaction highlights how commercial bridging finance can be used strategically to acquire complex assets where timing, flexibility, and lender expertise are essential.