Commercial and Large Bridging Loans
Commercial and large bridging finance across the UK. Facilities from £25,000 to £50 million, with a decision in principle usually the same day.
Who We Are and What We Do
Terms vary from lender to lender, but large bridging typically runs from one month to 24 months. It is short-term finance by design, lasting months rather than years.
Rather than approaching every lender yourself, come to us. We work with around 20 core lenders and have access to around 50 more, including private funders and family offices that do not deal directly with the public. On larger facilities that panel matters more, because fewer lenders write above £5 million.
A decision in principle can usually be issued the same day. Completion with a private lender can be achieved in around five working days where the legals and valuation move quickly, and most cases complete in two to four weeks. Rates start from 0.59% per month — see our rates page for the full cost breakdown.
Why Choose Us?
Above £5 million the lender panel narrows sharply. Many funders cap there, and the ones who write larger facilities are mostly private lenders, boutique property banks and family offices — several of whom do not take direct applications at all.
We know which of them is currently active at what size, what security they will take, and how they price. On a large facility that knowledge is worth more than a rate comparison, because the first question is not what it costs but who will actually write it.
We are a broker, not a lender. We will tell you if bridging is the wrong answer and a term loan or development facility fits better.
Experienced Team
Our directors have around 20 years in bridging and property finance between them, across the 2008 crash, the years that followed, and the current market.
Direct Lender Access
We deal directly with lenders and their decision-makers rather than working through packagers. On a large facility that shortens the chain considerably.
Let’s talk about how we can help you…
Tell us about the property, what you need and how the facility will be repaid. We will come back with indicative terms and an honest view of what is achievable. A decision in principle can usually be issued the same day, at no cost and with no obligation.
What counts as a large bridging loan, and how do they work?
A bridging loan is generally considered large when the amount exceeds £5 million. If you are looking for large bridging loans or development finance above £5 million, lenders willing to work at that level can be harder to find. We work with around 20 core lenders and have access to around 50 more, arranging bridging up to £50 million where others can’t. How bridging loans work.
The bridging market is as varied as the property market itself. Many lenders cap at £5 million, and above that only a smaller group of specialist lenders operate. As the loan size rises, so does the risk, which is why relatively few lenders offer large bridging loans — and why the high-value end of the market is both more complex and more competitive.
It therefore pays to reach these lenders through a broker with the right relationships. We arrange large and commercial bridging across the UK.
Tips for Securing Commercial and Large Bridging Finance
At Bridging Finance 4U we have the access to specialist lenders needed to arrange a large commercial bridging facility. Whether you are buying buy-to-let property or expanding your business premises, we work to secure the funds you need on terms that fit your timescales. Our job is to find the funder most likely to write the case, negotiate the rate and structure the security and the exit before you get a bridging finance quote.
Large bridging loans are a useful tool for property developers and investors, covering the gap between buying and selling. Terms typically run from one month to 24 months, providing flexible funding for commercial property ventures where traditional finance is not readily available. A lender arrangement fee of 2% of the gross loan applies, alongside legal costs, a valuation and an administration fee — see our rates page for the full breakdown. Bridging Finance 4U arranges non-regulated bridging only. Applications take account of the property type, legal costs, exit strategy and the borrower’s profile, which lets developers secure funding outside the scope of mainstream lenders.
What counts as a large bridging loan?
There is no formal definition, but the term is generally used for facilities above £500,000, and most often for deals of £2 million and upwards. What matters more than the label is that above around £5 million the lender panel narrows considerably — many funders cap there, and only a smaller group of specialist lenders operate above it.
We arrange facilities from £25,000 to £50 million. Every case is priced individually against the security, the exit and the borrower's profile.
Which lenders provide large bridging loans?
Large facilities are placed with a different set of funders from smaller bridging cases. Above £2 million, most go to specialist commercial bridging lenders, boutique property banks or private funders — and many of those do not deal directly with the public.
We work with around 20 core lenders and have access to around 50 more, including private funders and family offices. See our bridging loan lenders page. We are a broker, not a lender, and we are not tied to any single funder.
What loan to value can I get on a large bridging loan?
Prime cases are typically capped at 65% loan to value, standard cases at 75% and re-bridge cases at 70%. Where an automated valuation is used in place of a physical inspection, lending is capped at 75%.
Larger facilities generally attract slightly tighter loan to value than mid-market deals, because lenders build in headroom for the concentration risk of a single large exposure. Secondary and specialist commercial security — retail warehousing, industrial, hospitality — prices and gears more conservatively than prime residential investment.
What documentation is needed?
Large facilities go through fuller underwriting than smaller bridging cases. Expect to provide:
- Company accounts, or SA302s for individual borrowers
- Source of funds evidence
- A business plan and appraisal on development or refurbishment cases
- Evidence supporting the exit — sale comparables, or heads of terms on a refinance
- Identity and anti-money-laundering documentation to the standard required for high-value transactions
First-time borrowers at this level can expect more thorough questioning than experienced portfolio investors. Having the pack ready at the outset is usually the difference between a fast completion and a slow one.
How quickly can a large bridging loan complete?
A decision in principle can usually be issued the same day. Completion with a private lender can be achieved in around five working days where the legals and valuation move quickly, and most cases complete in two to four weeks.
Complex cases take longer — multi-title portfolio purchases, corporate borrower structures and non-standard security all add time, and the delays are almost always legal rather than lender-side. On a time-critical deal we work backwards from the required completion date and match the lender to the timeline.
Can I get a large bridging loan for a portfolio purchase or refinance?
Yes. Portfolio deals are a common use case — acquiring a package of buy-to-let or commercial assets, refinancing an existing portfolio out of a maturing facility, or restructuring debt across multiple properties.
These can be structured with cross-collateralised security or asset by asset. The exit is typically a portfolio buy-to-let mortgage, a commercial refinance, or a staged sale.
How does the interest work?
- Retained — interest for the full term is deducted from the gross loan at drawdown, so there are no monthly payments. Most common.
- Rolled up — interest accrues each month and is settled in full at redemption.
- Serviced — interest is paid monthly from income, which increases the net amount received on day one.
Larger facilities often use a mix, particularly where the borrower wants to service part of the interest to reduce the payment due at redemption. The right structure depends on cash flow and the exit timeline.
What does a large bridging loan cost?
Rates start from 0.59% per month. A lender arrangement fee of 2% of the gross loan applies, with legal fees of £3,000 to £5,000 covering both sides, a valuation from £600, an administration fee of £495 and a telegraphic transfer charge at the lender's rate. An exit fee of 0% to 1% may apply on redemption, and a broker fee of 0% to 1% depending on complexity, disclosed in writing before you commit.
See our bridging loan interest rates page for the full breakdown, or run your figures through the calculator.
Ready to Get Started?
Get a no-obligation quote for your commercial bridging finance. Tell us about the property and your exit strategy, and we’ll come back with an indication of terms — usually the same day.
