Heritage Commercial Finance

For 45 years, Heritage Commercial Finance has specialised in creating high-quality bridging loans that fulfil the needs of investors and developers across the UK

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Max term

25k - 750k

Min/Max Loan



Heritage Commercial Finance is a specialist provider of high-quality financial solutions to the UK’s property development and investment sectors, and is able to provide finances to meet a wide variety of requirements. Heritage Commercial Finance arrange loans to cover the costs of moving house, of purchasing a renovation property, securing commercial expansion or helping to inject much-needed capital into a growing business. The finances on offer from Heritage Commercial Finance are so flexible because the lender can count on the expert assessment of its staff, who have extensive experience developed over many decades in the bridging finance sector.

Speed is key in property development, and bridging lenders must be able to work well under pressure in order to give their clients the funding they need at the precise time they need it. Heritage Commercial Finance is thoroughly committed to exceeding client expectations in this respect, and is able to supply loans in an exceptionally short space of time. This speed and adaptability allows Heritage Commercial Finance to provide bespoke loans tailored to the individual circumstances of each client, instead of expecting each borrower to meet a narrow set of criteria. As a fast, flexible provider of finance, Heritage Commercial Finance is the first stop for many industry professionals.

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Heritage Commercial Finance
1 The Old Foundry
East Yorkshire
HU15 1NB

+44 148 266 9333


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Frequently asked questions

What is a bridging loan?

A bridging loan is a short-term loan secured against property. It allows you or your business to “bridge a gap” until either longer-term finance can be arranged, or the underlying security or other assets can be sold.

What is a commercial bridging loan?

Commercial bridging loans are, as their name implies, bridging loans that are secured against commercial property.

How can businesses use a commercial bridging loan?

There are many ways in which businesses can use a commercial bridging loan. Common uses are to cover short-term cashflow issues or to finance tax liabilities. More positively they can be used as working capital and by new businesses as a cashflow injection to acquire additional stock or even to acquire new equipment or premises for the business. Beyond these examples there are a huge variety of ways in which commercial bridging loans can be used.

Can commercial bridging loans be secured against semi-commercial property?

To qualify for a commercial bridging loan the overall use of the property being used as collateral will need to be at least 40% commercial. For example, if the property is a rental unit with a flat above the commercial part of the property would have to represent more than 40% of the total property. Furthermore, most lenders would also insist on a separate entrance to the flat.

Can private landlords use commercial bridging loans?

Yes. They can be a great tool for landlords who want to do renovations on their properties to improve rental yields. The value of the properties will also reflect these property improvements and make it easier for the landlord to refinance them onto competitive Buy-to-Let (BTL) mortgages and clear any bridging. Like residential bridging, commercial loans can also be useful when a property chain is broken.   

Can commercial bridges be used to acquire brownfield sites before planning permission is obtained and run-down commercial premises that are hard to get traditional mortgages against?

Yes. Absolutely. They can be very useful in both the above instances and to solve a variety of other problems.

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