Just Bridging

Just Bridging focuses on providing a stable and secure financial solution for a wide range of business purposes, with an emphasis on meeting commercial needs

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Max term

26k - 2m

Min/Max Loan

1st & 2nd


Few lenders can claim to be doing something truly individual, but Just Bridging is a lender that provides something few others can; a genuinely flexible and well thought-out financial solution. While many lenders chase the big, flashy bridging deals, Just Bridging offers a scalable bridging facility that responds to the needs of the consumer. Instead of arranging a one-off bridging loan with rigid terms and an inflexible attitude, Just Bridging allows businesses to take what they need from month to month, much like a large overdraft facility. This enables borrowers to capitalise on opportunities when they arise as well as to meet unexpected costs, all without re-arranging their borrowing strategy.

As well as this overdraft facility, borrowers can also take out a bridging loan secured against existing property, including buy-to-let real estate. Because Just Bridging specialises in second-charge lending this enables borrowers to take advantage of exceptionally favourable deals, and as a Below Market Value (BMV) expert Just Bridging can also offer specialised finance for a wide variety of purposes. While Just Bridging may not follow the broad trend of bridging lenders, it has seen considerable success in its short history not only because it provides something new and different, but because its services are very valuable to businesses both large and small.

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Contact Just Bridging

Just Bridging
1 Charterhouse Mews

+44 121 418 7040


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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.   

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