Our short term bridging loans are for purchase, refinance, property improvement or to unlock working capital for business purposes.
This unique overdraft provides you with a flexible drawdown facility giving you instant liquidity and avoids heavy setting-up costs.
Individually structured development loans for residential and commercial projects, with finance available for site purchase, construction and fees, refinance, equity release and to provide working capital. Loans are available up to 90% of the site cost.
Flexible first and second charge non-regulated loans available on terms from 3 to 5 years.
We have a commitment to innovation and with the ever changing financial landscape around us we have designed a range of unique Specialist Lending products that solve a range of property lending needs.
By Jonathan Rubins, Director & Chief Commercial Officer at Alternative Bridging Corporation
Small and medium-sized enterprises (SMEs) have long been the backbone of the economy, driving employment, innovation, and local economic growth. However, the past few years have presented considerable challenges for business owners seeking financial support. From rising interest rates to shifting regulatory requirements, obtaining the necessary funding has often been an uphill battle. As 2025 begins, there are promising signs that SME lending is regaining momentum, offering fresh opportunities for both business owners and specialist lenders alike.
While traditional banks remain cautious, specialist lenders like Alternative Bridging are stepping in to fill the gap. As principal lenders, we are more flexible and take a tailored approach to each application. We are well-positioned to support businesses that might otherwise struggle to secure funding through mainstream financial institutions.
Short-term lending solutions have become increasingly attractive to businesses requiring quick capital injections to seize growth opportunities, manage cash flow, or refinance existing debt. With stricter lending criteria imposed by high street banks, businesses are looking for more agile financial partners that understand the complexities of their operations. As a result, specialist lenders are seeing increased demand for their services and the potential for sustainable growth in the coming years.
Those frustrated by the slow-moving process of commercial mortgages may also turn to short-term finance solutions. Unlike a long-term commercial mortgage, our commercial bridging loans are available for 3 to 24 months. As a result, you can get quick access to the capital you need to support your business without the long-term commitment of a mortgage.
Many industry experts predict that the commercial property market will recover to some extent in 2025. Sectors like logistics, data centres, and build-to-rent properties, which are currently seen as undervalued and supported by strong underlying trends, are expected to perform particularly well.
In London, tourism has already rebounded to surpass pre-pandemic levels, and further growth in overnight stays is anticipated for 2025. As a result, this positive outlook is likely to fuel increased investment in the hotel sector.
In addition, the new government’s “Invest 2035” strategy, with its focus on sustainable development and regional growth, is set to boost growth in the market.
Overall, economic indicators suggest that 2025 will be a promising year for SME lending. As inflation and interest rates ease, the lending environment is becoming more accommodating. While challenges remain, the overall outlook for SME lending is one of cautious optimism.
One of the most encouraging trends in 2025 is the renewed confidence among SMEs. After a period of uncertainty and changing working practices, many businesses are now looking to expand, invest in new technology, and explore fresh markets. This resurgence in ambition translates into a higher demand for working capital and growth financing.
The rise of alternative finance platforms has also broadened the availability of lending options. Data-driven risk assessments, and innovative financing models have made it easier for businesses to secure funding without the prolonged bureaucratic hurdles associated with traditional banking institutions. Our client-focused approach and dedication to outstanding service undoubtedly increases the accessibility of SME loans.
Furthermore, government-backed initiatives and funding schemes are expected to play a role in supporting SME lending. Policymakers recognise the importance of a thriving SME sector and have introduced measures to encourage lending through credit guarantees, tax incentives, and low-interest financing programs. Such initiatives provide an additional layer of security for lenders, encouraging them to extend credit to businesses that might otherwise be deemed too risky.
As SMEs adapt to new economic realities, their financing needs are evolving as well. Business owners are increasingly looking for more flexible financing solutions that align with their operational cycles and growth aspirations.
One noticeable trend is the increased demand for working capital solutions that offer shorter repayment cycles and adaptable terms. SMEs are seeking funding options that allow them to respond swiftly to market opportunities without being tied to long-term obligations.
One excellent SME loan solution is our Commercial Bridging Loan. These loans have terms of 3 to 24 months in the amounts of £250k to £3.5m. They are ideal for SME’s who need to finance:
Furthermore, sustainability and social responsibility are becoming key factors in financing decisions. Businesses are increasingly prioritising environmentally friendly initiatives, ethical supply chains, and social impact projects. Lenders that incorporate sustainability-linked financing options and green lending products will likely see increased demand from SMEs aligning their operations with these emerging priorities.
The Labour government’s emphasis on sustainability is expected to increase demand for environmentally friendly buildings and energy-efficient properties. The government’s drive to build 1.5m new homes will undoubtedly boost investment in the construction industry. As a result, many SMEs that are involved in homebuilding will require bridging loans to fulfil their operations.
Despite uncertainty surrounding the implementation of Minimum Energy Efficiency Standards for commercial properties, including potential delays, there is anticipated to be a surge in demand for both green buildings and energy-efficient renovations.
The resurgence of SME lending in 2025 presents an encouraging outlook for business owners. While challenges persist, the overall trajectory points towards increased access to financing, driven by a combination of economic stabilisation, alternative lending solutions, and government-backed initiatives.
The renewed appetite for growth among SMEs signals a welcome shift, reinforcing the critical role that lending plays in boosting economic expansion and business resilience. Those who remain agile and responsive to market shifts will be best positioned to thrive in the changing SME lending sector.
Through our dedication to service, swift decision-making, industry expertise, transparency and tailored solutions, we can be a truly reliable partner in your commercial property ventures. If you have any queries about how our commercial bridging loans can help your SME, don’t hesitate to get in contact. You can reach our BDMs online, or by calling 020 8349 5190.
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