Portman Finance

Portman Finance provide a wide range of financial tools for the commercial and real estate development sector geared to professional borrowers and developers

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Max term

50k - 2m

Min/Max Loan

1st & 2nd


Businesses need to move quickly to keep up with the demands of modern commerce, and it’s vital that any company intending to compete in their marketplace has a flexible, agile funding solution to fulfil their needs. Portman Finance provides the tools that businesses need to succeed in a competitive world, including flexible business loans and a flexible lending facility.

Portman Finance’s flexi-loan product is an excellent way for businesses to even out variations in their cash flow; the product works like a large overdraft, and allows businesses to borrow up to £300,000 at a time. Because they only borrow what they need as and when they need it, this allows businesses to minimise the amount of capital draw-down that’s active at any one time, meaning they’re only paying to borrow the money they’re using. As well as a flexi-loan, businesses can also take out a bespoke small business loan that’s carefully tailored to their needs.

In addition to commercial finance products, Portman Finance also provides bridging loans for investment and expansion; this lender is able to alter the terms of their loans in order to suit any situation and the Portman Finance team pride themselves on providing a decision on all applications within just 48 hours.

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Latest news from Portman Finance

Contact Portman Finance

Portman Finance
97 High Road
EN10 7BN

+44 208 209 3822


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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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