Commercial bridging loans

We offer a variety of first or second charge bridging loans against most commercial or semi-commercial properties in the United Kingdom.

If your client has a gap in financing and needs to fill it fast, a flexible bridging loan from West One could be just the solution you need.


Enquire now

Key product features

  • Available nationwide
  • Interest can be retained or serviced, subject to affordability
  • Adverse credit considered on a case-by-case basis
  • Maximum loan term of 18 months
  • Interest charged with 1 month minimum retained

Commercial bridging

Loan feature
1st Charge
2nd Charge
Loan-to-value <50% 0.95% 1.05%
  <60% 0.99% 1.10%
  <65% 1.05% 1.15%
  <70% 1.10% 1.20%
  <75% N.A. N.A.
Minimum term 1 month 1 month
Maximum term 18 month 18 month
Minimum loan size £30,000 £30,000
Maximum loan size N.A* N.A.*
Rental coverage - -
ERC No No

*Larger loans to be considered on referral

Terms of lending

  • Commercial or semi-commercial properties in England and Wales
  • Investment properties
  • Farms or agricultural properties
  • Land
  • First and second charge security
  • Multiple occupation (such as HMOs)
  • Sole traders, Ltd Companies, PLCs, and LLPs
  • Individual borrowers
  • Trusts
  • Offshore special purpose vehicles (SPV)
Hero Curve

There's no time to lose

Choose a lender that acts fast. We'll confirm almost immediately whether your client’s application is likely to be successful.

Enquire now