£6.2M 100% Bridging Loan Enables Commercial Property Acquisition Without Cash Deposit

A £6.2M 100% bridging loan enabled an experienced property investor to acquire an income-producing commercial property without contributing a traditional cash deposit, using additional property security to support the overall lending structure.

Key Details:

• Client: Experienced property investor
• Challenge: Acquire a commercial investment without releasing cash from the existing property portfolio
• Loan Amount: £6.2M

The Opportunity

The client identified a well-positioned commercial property with established occupiers and an existing rental income stream. The asset offered an opportunity to expand the client's investment portfolio, but the acquisition required completion before sufficient liquidity could be released from other investments.

Rather than sell an existing property or withdraw capital from the wider portfolio, the client explored whether a structured bridging arrangement could fund the full purchase price.

The Bridging Solution

Global Bridging Finance arranged a £6.2M 100% bridging loan, using the commercial property being acquired together with additional residential property held by the client as security.

The lender assessed the combined security position, including the properties' values and existing borrowing. The lender also considered the commercial asset's location, condition, rental profile, and marketability, alongside the client's investment experience and proposed exit.

The structure allowed the client to complete the acquisition without providing a conventional cash deposit.

The Exit Strategy

The primary exit was a long-term commercial investment refinance once the acquisition was complete and the property was incorporated into the client's wider portfolio.

A secondary exit involved the potential sale of another investment property if required.

The Outcome

The 100% bridging loan provided the funding required to complete the commercial acquisition while allowing the client to retain capital within their existing investment portfolio.

Importantly, the facility did not represent 100% loan-to-value against the newly acquired property alone. Additional security supported the overall funding structure.

The case demonstrates how 100% bridging finance can be structured for experienced investors with substantial existing property assets and a clearly defined exit strategy.