Flexible Bridge & Short-Term Finance for Semi-Commercial and Mixed-Use Assets
For experienced operators and developers acquiring, repositioning or refinancing light-commercial and mixed-use property schemes.
Finance semi-commercial property assets (e.g., mixed-use, light industrial, warehouse, offices) or conversions of such where the borrower is looking to buy, refinance or reposition property.
Ideal for
- Developers converting light industrial/office assets
- Property businesses refinancing or repositioning semi-commercial holdings
- Investors buying mixed-use assets with quick turnaround plans
Borrowing Range & Term
- Loan size: from (example) £100k up to £5m+ (subject to deal)
- Term: typically 3–12 months (or as agreed by underwriter)
Typical Criteria
- Exit Strategy
- Sale, refinance to long-term lender, repositioning scheme
- Property Type
- Semi-commercial, mixed-use with commercial element, offices, warehouses, or sites eligible for conversion / change of use
- Borrower
- Experienced operators, developers or property businesses
- Security
- • First charge over the asset
• Valuation or recent market evidence required
• Clear exit path required from the borrower
key features
Solutions for properties combining residential and commercial usage or requiring a light-commercial lens.
Lending recognising value-add, refurbishment and repositioning opportunities.
Hands-on underwriting by directors experienced in bridging and specialist property finance.
Access to funds quickly to move decisively in competitive markets.
Why Choose Us?
At EC Lending, we believe that securing finance should be a catalyst for your property ambitions, not a hurdle. Because every transaction is unique, we reject the rigid, "tick-box" approach used by traditional lenders. Instead, we champion a human-led underwriting process that assesses the true potential of your project on its own merits.
Our priority is to deliver speed and certainty. Whether you are navigating a complex commercial repositioning or a time-sensitive residential purchase, we work alongside you to structure flexible capital solutions that fit your specific timeline. We are committed to stripping away unnecessary delays, allowing you to seize opportunities with confidence and precision.
OUR CASE STUDIES
VIEW OUR LATEST SUCCESSES
U.S. Resident Bridging Facility Secured Against Luxury Flat on The Strand
Overseas Investor Raising Funds on 3 Leasehold Properties
Overseas Investor Refinancing 10 Flats in One Block
Experienced Developer in Hertfordshire
UK Company, Overseas Investor Raising funds on 3 Unencumbered Properties
Refinance of a Buy-to-Let Flat in Chelsea
Let’s accelerate your next semi-commercial project.
