£12.5M Commercial Bridging Loan Helps Investor Secure Prime Retail Asset During Time-Sensitive Acquisition

• Client: Experienced property investor
• Challenge: Complete a time-sensitive retail acquisition before permanent finance was ready
• Loan Amount: £12.5M

The Challenge

The client identified an established retail property in a sought-after commercial location, with established occupiers and an existing rental income stream. The opportunity required completion sooner than the client's conventional commercial lender could accommodate.

Waiting for permanent finance risked delaying the acquisition, so the client explored a short-term funding solution.

The Bridging Solution

Global Bridging Finance arranged a £12.5M commercial bridging loan secured against the retail property. The lender considered the property's value, location, rental income, tenant profile and marketability, alongside the client's property experience and proposed exit.

The facility enabled the client to complete the acquisition while retaining the flexibility to finalise the longer-term financing separately.

The Exit Strategy

The client intended to retain the property as a long-term commercial investment. The primary exit was a refinance onto a longer-term commercial investment facility once the relevant due diligence and lending process had been completed.

A potential secondary exit involved selling the property if this became appropriate to the client's wider investment strategy.

The Outcome

The commercial bridging loan provided a temporary funding solution that allowed the client to secure the retail asset without waiting for permanent finance to complete.

The case demonstrates how commercial bridging finance can help experienced investors manage timing gaps between property acquisition and longer-term funding.