First charge commercial bridging loans

Get fast, short-term access to the capital you need to complete your projects

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TAB. Trust. Transparency.

1. Efficient and flexible service
2. Terms from one to 24 months
3. LTVs up to 70%
4. No exit fees
5. Over 25 years of lending experience

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Commercial bridge loans

TAB’s first charge commercial loans are secured against UK commercial properties. Common uses of first charge loans include the purchase of investment properties where finance is needed quickly, investment property chain breakers, capital raises on unencumbered properties, completion of refurbishment on investment properties or a refinance of properties. 

TAB lends directly to borrowers or through intermediaries. We offer commercial loans of up to 70% of the valuation of your project, including the cost of borrowing. There are no exit fees and the interest rate on the loan is from 0.75%. There are other instances TAB might lend a first charge commercial loan, we can also lend on mixed-use assets as well. Our experience means we can be flexible with our valuations and consider projects that more traditional lenders would not. We pride ourselves on trust and transparency.

TAB loans are unregulated. Any property used as security is at risk of repossession if you do not keep up with your payments.

First charge commercial loans product details

Tracker interest rate:
from 8.50% pa over BoE base
Minimum loan:
Maximum loan:
up to 70%
maximum 24 months
Exit fee:

Other charges may apply

How it works

Borrower applies

Following an initial enquiry, borrowers apply for a short-term loan through our application process.

Decision made

Our team undertakes their due diligence and underwriting process on the borrower and the security property. Terms are then agreed.

Perfect match

The loan is then matched with investors on the TAB platform. Funds are typically available within just 14 days.

We want to make sure you have the right support for you. Whether it's a current deal, an enquiry or your investor account. You can speak to one of our team members from Monday to Friday 9am to 5:30pm

Get started with commercial finance today

If you are seeking a commercial bridging loan talk to our expert team today to see how we can help you.

Broker / borrower enquiries

General enquiries

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Frequently asked questions

TAB's first charge commercial bridging loans have a loan to value (LTV) rate of up to 70% of the value of your project, including the cost of borrowing. There are no exit fees and the interest rate on the loan is from 0.85%. As well as 70% LTV on first charge commercial loans, we also lend on mixed-use assets as well.

Legal charges provide the lender with a degree of security in the sense that they are made against the value of the borrower’s property. Should the borrower default on the loan, then those who have a legal charge will have the right to take the monies from the sale of the property.

A first charge loan is a loan on a residential or commercial property. In the case of a first charge, TAB will take precedence and first rights on the property. This means that the property could be sold by way of repossession to recover the value of the loan and any associated costs should default occur.

A second charge loan on a residential or commercial property allows you to borrow money, providing there is enough equity whilst leaving your existing first charge in place. A second charge loan applies if you already have a loan secured against a property that already has an outstanding mortgage. For property improvements such as extensions, you would likely need to take out a second charge bridging loan if you already have a mortgage on the property. The distinction lets the lender know who has priority in the repayment if you can’t pay off the loan by the end of the term.

Commercial first charge bridging loans are secured against UK commercial property. They could be used when you are purchasing a new business, or purchasing commercial property as well as auction gaps and when a property chain is broken.

Basildon, Essex: The client required £1,000,000 first charge commercial loan to purchase the leasehold of the security which was granted by way of an underlease, i.e landlord under the terms of the lease holds a 999 year lease. TAB provided the loan at LTV of 40% with a 0.95% interest rate per month for 6 months. The borrower required fast completion, and TAB completed within two weeks. 

For more information you can view our full list of frequently asked questions here.

Case studies

TAB and Opes Financial Partners close £4.75m bridging deal
  TAB completed a £4.75m first charge commercial bridging loan for Setha Group’s latest project in Willesden Green, London. ..
2999 - Leytonstone, London
TAB completed a first charge commercial loan of £1,120,000 secured against a medical center in Leytonstone, East London. The property is comprised of a ground floor and mezzanine level commercial unit, with nearby retail shops such as Argos and Costa Coffee. ..
3508 - Cardiff and Aberystwyth, Wales
TAB completed a £13,500,000 first charge commercial loan on a set of three securities. The three sites are located in Wales with a marina and marine village in Cardiff and a marina in Aberystwyth. ..

Our team

TAB knows the value of keeping things simple and transparent for everyone. Whatever the size or scope of your plans, our expert team of underwriters, business development managers, and an in-house legal team are here to help with your requirements. Book a meeting with one of our team today.


Nick Russell

Sales Director

Eli Korman

Chief Investment Officer and Head of Development Finance

Samuel Morris

Lending Associate

Yohann Ifrah

Lending Administrator

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