A commercial bridging loan is short-term finance secured against a commercial or mixed-use property. It’s designed to cover a funding gap, for example when you need to complete quickly, improve a property before refinancing, or put longer-term funding in place.

Bridging loans are ideal when timing matters, such as quick purchases, or when an asset requires time to establish trading and build up the necessary track record and cash generation.

Once terms are agreed and checks are complete, funds can be released very quickly. sometimes in as little as 48 hours.

Loans can be secured against offices, shops, warehouses, mixed-use properties, land with planning, or similar commercial premises.

Yes, Colenko are flexible if the security is strong and the exit strategy is viable, although your credit rating may have a bearing on the interest rate.

Commercial bridging is often unregulated, but it depends on how the property will be used. If the security involves a property you (or a close family member) will occupy, the loan may fall under regulated rules, so it’s important to flag any residential element early.

No, we do not require a commercial asset to be income producing at the outset. We focus on the underlying asset and the credibility of the exit strategy. Where the exit is refinance, we allow time for the property to trade and generate income.

We will typically request details of the property, the funding requirement, the proposed exit strategy, and any relevant trading or cashflow information to assess the opportunity efficiently.