Business Bridging Loan Calculator
Model the total cost of a short-term secured business loan — working capital, tax demands, acquisitions and business rescue.
Calculate your business bridge
* Additional fees may apply on a case-by-case basis: Legal Fees, Valuation Fee, Admin Fees, Title Insurance, General Insurance, Fund Transfer and others.
Enter your loan details above to see the cost breakdown.
Business bridges against commercial security typically attract rates of 0.95–1.5% pm. Residential investment security typically 0.85–1.2% pm.
Results are indicative only. Actual rates and costs depend on your specific circumstances, security and lender. Learn more about Business Bridging Loan
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Discuss your case
75%
Max LTV (residential security)
70%
Max LTV (commercial security)
£25k+
Minimum loan
£0
Upfront broker fees
What is a business bridging loan?
A business bridging loan is a short-term secured loan for a UK business, using commercial property or residential investment property as security. Unlike a property bridge (used for acquisition or refurbishment), a business bridge is used for operational or strategic business purposes — covering a tax demand, funding an acquisition, providing working capital or rescuing a business from creditor action.
Business bridges are typically secured against property owned by the business or by a director personally. Personal guarantees from directors are almost always required. The key criteria are the security value, the exit strategy (how will the loan be repaid?) and the director's personal credit profile.
The purpose must be demonstrably for business use — lenders will not fund personal expenditure through a business bridge. However, the definition of business use is broad: tax bills, creditor settlement, stock purchase, acquisition finance, working capital gaps and business rescue all qualify.
Repayment (the exit) is typically from business cash flow, a planned asset sale, refinance to a term business loan, or a capital injection from shareholders. Lenders scrutinise the exit plan carefully — the bridge must be repayable within the agreed term.
The Process
Define the Business Need
Clearly articulate the purpose — the more specific and credible the business case, the better the outcome. "Working capital for seasonal trading gap" is stronger than "general business purposes".
Identify Security
Confirm the property to be used as security — its value, any existing charges and the available equity. Commercial and residential investment property both accepted.
Exit Plan
Show how the loan will be repaid within the term — cash flow projections, planned asset sales, refinance timeline or expected capital injection.
Drawdown to Business Account
Funds transferred to the business bank account, typically within 1–3 weeks of application.
FAQs
Frequently asked questions
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