Commercial Bridging Loan for Office Building Acquisition

Client Type: UK-Based Property Investor
Property Value: Circa £4,200,000
Loan Amount: Approximately £2,800,000
Loan Type: Commercial Bridging Loan

The Scenario

Global Bridging Finance was approached by a property investor seeking to acquire a commercial office building in Manchester. The property, valued at around £4.2 million, was offered off-market and required a fast completion due to competitive interest from multiple buyers.

Traditional financing options were unsuitable due to the tight timeline and the building's mixed tenancy structure, which included both long-term leases and vacant units. The client needed short-term capital to secure the purchase and prepare the property for rental stabilisation.

The Solution

We arranged a commercial bridging loan of approximately £2.8 million, secured against the property at roughly 66% loan-to-value (LTV). The funding enabled the client to complete the acquisition quickly while leaving room for renovation and tenant placement.

Our team liaised closely with the lender, valuers, and solicitors to ensure an expedited process. By leveraging our experience in commercial bridging transactions, we identified a lender comfortable with the property’s mixed-use profile and the client’s long-term exit strategy.

The Outcome

The client completed the acquisition on schedule, avoided losing the opportunity to other bidders, and used the bridging loan to fund refurbishment and leasing costs. Once the property is fully tenanted, the client plans to refinance to a longer-term commercial mortgage, reducing costs and optimising the investment’s yield.

This case highlights the flexibility and speed of commercial bridging loans for investors needing rapid funding in competitive markets.