Commercial Finance

Mixed use building — retail at ground level with flats above.

Commercial finance with room for the detail

Bridging for commercial and semi-commercial property across England and Wales.

Commercial finance often comes down to context. The same building can look very different depending on how it is occupied and what you or your client plans to do with it, which is why we take the time to understand the property before deciding whether we can support the deal.

Explore our commercial case products

What we lend on

Commercial bridging with Breeze can run for up to 15 months and reach 70% of the property’s value, with interest rolled or serviced depending on the case. From there, the detail comes down to the property itself. We can support mixed-use buildings and light industrial, while offices can fit where there’s a strong tenant or a clear route to residential conversion. Leisure is more individual, which is why we’ll look at the detail before deciding whether it works for us.

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Some deals need a conversation

Care homes, nurseries and other specialist trading assets don’t always fit neatly within standard criteria. We’re still happy to look at them, and a quick conversation with our underwriters will usually tell you whether the deal has somewhere to go.

A shorter route through legals

Title insurance and dual representation are both available on commercial bridging where the case qualifies. If either can help move things along, we’ll tell you early and build that into the route to completion.

One underwriter who knows the deal

Commercial cases often come with more detail to work through, which makes continuity especially useful. Your underwriter stays with the case from enquiry through to completion, giving you one person who already understands the property and where the deal stands.

How we work

Where flexibility comes in

Once we understand the case, we can look at how the finance needs to work around it. The value in the property and the way it’s occupied both shape what we can do, giving us room to structure the lending around the deal.

A green icon of a hand with a pound sterling symbol above the hand. The pound sterling symbol is inside a circle

More of the purchase covered

On the right deal, we can lend up to 95% of the purchase price, with you or your client contributing at least 5%. That can leave more of their capital available beyond the purchase.

A green icon of a house

Below market value

When a property is being bought below market value, we can base our lending on what it’s worth. We’ll look at why the discount exists and use a full RICS valuation to support that value before we make the call.

A green icon depicting an office building with a magnifying glass overlaying the building.

Tenanted or vacant

We can consider the property either way. If it’s let, we’ll look at the leases to understand what’s in place, while a vacant property starts with understanding you or your client’s plan for it.

Case Studies

View all our case studies

Our latest Commerical case studies

  • Retail unit with flats and rooms above.

    Location: Nuneaton, Warwickshire

    Amount Funded: £250k

    Term: 12 months, interest rolled

    When the quantity surveyor prices the job higher than the borrower did

    When the quantity surveyor prices the job higher than the borrower did Light Refurbishment A mixed-use block needing £75k of work, [...]

  • Commerical Bridge, Liverpool at night

    Location: Liverpool city centre

    Amount Funded: £1.21m

    Term: 12 months, interest rolled

    £1.21m for a city-centre commercial purchase

    £1.21m for a city-centre commercial purchase Commercial Bridge An experienced investor group buying a substantial Liverpool building, funded alongside two connected [...]

Download our product guide

Need to check the detail before you send a case over? Our lending guide brings the main criteria together in one place.