1. Tell us the requirement
Start with the amount, purpose and timing. You do not need to choose the correct product first.
Larger & specialist funding
Commercial Bridging Finance
Commercial bridging finance is short-term borrowing secured on property for an eligible commercial or business transaction. It may address a temporary funding need while a sale, refinance or other evidenced repayment event is arranged. A credible exit strategy is central to the assessment.
Usually takes around 5–8 minutes. An enquiry does not commit you to taking finance.
Access to 250+ funding routes through our lender & specialist partner network.
What is the exit strategy?
The exit is how the full bridge balance, interest and costs will be repaid. It may involve a commercial property sale or a longer-term refinance, but it needs supporting evidence. A future valuation, mortgage approval or buyer should never be assumed.
- For a refinance, explain likely affordability, property condition and the route to a suitable longer-term facility.
- For a sale, provide a realistic value, marketing plan and allowance for delays.
- Show what happens if the planned exit takes longer or produces less than expected.
Purchase, refinance and refurbishment
Commercial bridges may be considered for eligible auction or time-sensitive purchases, business-purpose capital release, refinancing or refurbishment. Timing alone does not make a bridge appropriate. Works, planning, leases and property condition affect the lender’s assessment and may point towards development finance instead.
These routes concern commercial and business funding introductions. Personal residential mortgages and consumer homeowner borrowing are outside this page’s scope. Mixed-use properties and ambiguous occupancy or borrower arrangements require individual review; they should not be assumed suitable.
What does a provider assess?
The provider reviews security, valuation, ownership, existing charges, amount, timing and the exit. Leases and occupancy matter where relevant. The business or borrower structure and the source of contribution need to be clear. Valuation and legal due diligence remain necessary even when the transaction is urgent.
Costs and repayment risks
Compare the full balance at exit, including how interest is paid or added, arrangement charges, legal and valuation costs, any exit charges and extension terms. Short-term funding can become expensive if repayment is delayed. Do not treat an extension as guaranteed.
Read the bridge versus commercial mortgage guide and return to the commercial property hub if the need is ongoing rather than transitional.
Useful information to prepare
You do not need every item to start. Tell us the amount, purpose and timing; NBS can explain what would help the next review.
- Property, use, ownership and estimated value
- Purchase details, deadline or refinance statement
- Amount, contribution and existing security
- Works budget, planning and professional information where relevant
- Leases and occupancy where applicable
- Evidence supporting the exit and a contingency if it is delayed
Important considerations
- A weak or delayed exit can leave the full balance outstanding.
- Interest and fees may materially increase the amount to repay.
- Refinance depends on future affordability, valuation and provider criteria.
- Property is at risk if repayment and other obligations are not met.
NBS Finance is a commercial finance broker and introducer, not a lender. Providers make funding and credit decisions and set the amount, charges, security and terms. An enquiry or introduction does not guarantee finance.
The NBS enquiry process
2. Review the starting route
NBS reviews the information and identifies an appropriate starting route through its lender and specialist partner network.
3. Provider assessment
A suitable provider may request further information and decide whether to offer terms. Review any offer before committing.
Frequently asked questions
Does urgency guarantee a quick completion?
No. Provider assessment, valuation, legal work and conditions still apply. NBS does not promise a completion time.
Can a commercial mortgage be the exit?
It may be proposed, but the likely mortgage case must be credible. A future refinance is not guaranteed.
Can a bridge cover refurbishment?
It may be considered depending on the works, security and exit. More extensive development may require a different structure.
What happens if the exit is delayed?
Check the agreement’s repayment date, charges and consequences. Extensions require provider agreement and should not be assumed.
Tell us what the business needs
Tell us the amount, purpose and timing. We can review which starting route appears most relevant.
One enquiry. No commitment to take finance. Subject to provider assessment and terms.