£956,500 Commercial Warehouse Bridging Loan Completed in Under 6 Weeks
A buyer needed to fund the purchase of a £1.4m commercial warehouse in Newcastle without losing the deal to a slipping timeline. A2Z arranged a £956,500 bridging loan at 70% LTV and drove it from enquiry to completion in under six weeks — comfortably ahead of the purchase deadline.
£956,500
Loan amount
70%
Loan-to-value
12 Months
Term
Under 6 weeks
To completion
The Client Scenario
Our client was purchasing a commercial warehouse in Newcastle valued at £1.4m and needed funding in place to complete the acquisition on schedule. The opportunity was straightforward on paper — a strong asset, a committed buyer, and a clear deadline to exchange and complete.
The challenge with any commercial purchase is simple: the deal is only as good as the certainty behind the money. A purchase timeline does not wait for slow underwriting, and a warehouse acquisition of this size needed a lender comfortable with the asset class and a broker who could keep every party moving in step.
The client needed a facility that funded 70% of the value — £956,500 — on terms that matched a 12-month hold, with a repayment structure that kept early cash flow light. Above all, they needed it done before the purchase deadline, with no surprises late in the process.
Why a Clean Deal Still Needs Tight Execution
This was a well-presented case with no adverse complications — but a £956,500 commercial purchase against a deadline leaves no room for a loose process. A "simple" deal becomes a problem the moment one party falls out of step.
On a commercial warehouse of this value, the risks sit in execution, not the headline numbers:
- Commercial valuation on a specialist warehouse asset running slow and pushing the timeline
- Purchase deadline slipping — risking the deposit or a re-negotiated price
- Commercial title and legals stalling drawdown at the final stage
- Repayment structured poorly, loading unnecessary cost onto the early months
The Solution
We treated a clean case the way it deserves to be treated — with pace and control. The case was matched to a lender with genuine appetite for commercial warehouse security, packaged for fast underwriting, and driven to completion in under six weeks .
We secured a £956,500 unregulated bridging facility at 70% LTV over a 12-month term at 0.92% per month , structured as six months' interest retained followed by six months serviced — keeping the client's cash flow light through the early part of the hold.
- Matched the case to a lender with real appetite for commercial warehouse security
- Packaged the unregulated commercial purchase cleanly for fast underwriting
- Structured 6 months retained + 6 months serviced to ease early cash flow
- Kept valuation, solicitors and lender aligned to the purchase deadline
- Drove the case from enquiry to completion in under six weeks
The Outcome
£956.5k
Facility Secured
70%
LTV Achieved
£1.4m
Warehouse Acquired
12mo
Bridging Term
Completed in Under 6 Weeks
Purchase Deadline Met
Frequently Asked Questions
Can I use a bridging loan to buy a commercial warehouse?
Yes. A commercial bridging loan is well suited to funding a property purchase quickly — exactly as on this case, where we arranged £956,500 at 70% LTV to acquire a £1.4m Newcastle warehouse. The key is matching the deal to a lender comfortable with the asset class and driving the process to the purchase deadline.
How fast can a commercial warehouse bridging loan complete?
It depends on the valuation and legals, but a well-packaged case moves quickly. On this purchase we completed in under six weeks — comfortably ahead of the deadline. Speed comes from presenting the case cleanly up front and keeping the valuer, solicitors and lender aligned throughout.
What does "6 months retained, 6 months serviced" mean?
It's a hybrid repayment structure. For the first six months the interest is retained — held back from the loan so there's nothing to pay monthly — and for the remaining six months it's serviced, paid each month as you go. On this 12-month facility it kept the client's cash flow light through the early part of the hold.
What LTV is available on a commercial warehouse bridge?
It varies by lender and asset, but 70% LTV — as achieved here — is a strong outcome on a commercial warehouse purchase. The available LTV depends on the valuation, the strength of the asset, the borrower profile and the exit. We structure each case to the lender most likely to support the level you need.
Facing a Tight Deadline of Your Own?
Talk to an advisor today — most cases get an initial answer within hours.