Peninsula Finance PLC

Peninsula Finance is a top-level bridging lender providing regulated loans for residential property as well as bridges for commercial and investment purposes

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Max term

25k - 1m

Min/Max Loan



Peninsula Finance is a lender with a wide-ranging product portfolio that enables them to meet a wide variety of customer needs. They specialise in residential and commercial property lending for short term bridging needs but are also able to provide finance for many other applications. Their loans can be employed to help kick-start a brand new startup, allowing business to get off the ground and begin expanding quickly.

They also provide private residential bridging loans and as an FCA-certified lender they can help owner-occupiers break the property chain with a short-term bridge loan. To aid SMEs, Peninsula also provide “turnaround finance”, which enables businesses to break free from their cashflow and solve refinance problems quickly and reliably.

A wide product portfolio is only useful if the lender has the expertise to follow it up, and Peninsula Finance is one of the most experienced lenders in the business. With a highly professional team, Peninsula provides expert advice and assistance to all their clients, and ensure that they receive top-notch service from beginning to end. As the pressures of property finance often require a strict deadline, Peninsula Finance is able to move extremely quickly to evaluate and provide the perfect financial solution.

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Contact Peninsula Finance PLC

Peninsula Finance PLC
Studio 5-11
5 Millbay Road

+44 175 229 2568

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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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