Forward flow
An agreed appetite to acquire new commercial bridge loans as they complete, with a right of first refusal.
Commercial Bridge Finance
Funding for UK commercial bridge finance
Ardfern Capital acquires senior secured commercial and mixed-use bridge loans from established UK specialist lenders, bringing institutional capital to UK commercial property finance.
The market
A growing role for specialist lenders in commercial property
Commercial bridge finance is short-term, first-charge lending secured on commercial and mixed-use property. Investors and owners use it to acquire assets quickly, refinance existing debt, reposition or re-let a building, change its use, or bridge to a sale or a longer-term loan.
As the UK banks have reduced their exposure to smaller commercial property loans, specialist and non-bank lenders have taken a growing share of UK commercial property finance. Many of them are well run and well underwritten, but are constrained by the capital available to them.
Ardfern Capital does not lend directly to borrowers. We invest in commercial bridging loans originated, underwritten and serviced by our lender partners, and manage the resulting portfolios on behalf of institutional capital.
What we acquire
Commercial and mixed-use loans across the United Kingdom
We acquire loans secured on commercial property in England, Wales, Scotland and Northern Ireland.
- Asset typesOffices, retail, industrial and logistics, mixed-use and semi-commercial property.
- Acquisition and refinanceLoans that fund the purchase of commercial property or refinance existing debt ahead of a sale or term facility.
- RepositioningRefurbishment, re-letting, change of use and permitted development conversions with a defined business plan.
- Security and termFirst-charge security, typically 12 to 24 months, with credible exits by sale or refinance.
- Independent verificationPanel valuations, independent monitoring and our own legal review before any loan is acquired.
- ScopeBusiness-purpose loans to companies and professional investors.
For commercial lenders
Committed capital for commercial bridging lenders
Ardfern provides commercial bridging lenders with dependable capacity alongside their existing funding, on transparent terms and with a consistent credit framework.
Portfolio purchases
The acquisition of seasoned, performing commercial loan books, releasing capital for new lending.
Aggregation
Commercial loans from a panel of lenders combined into diversified portfolios built to warehouse and securitisation standards.
Borrowers and brokers
Looking for a commercial bridging loan?
Ardfern Capital does not lend directly to borrowers or accept loan applications. Commercial bridge finance is provided by our lender partners. If you are a lender seeking a funding partner, or an institution seeking exposure to UK commercial real estate credit, please get in touch.
Related
Other areas of focus
Residential bridge finance
Short-term loans secured on UK residential property and development.
Read moreLoan acquisition and aggregation
Forward flow, portfolio purchases and the aggregation of UK property loans.
Read moreOur approach
How Ardfern connects institutional capital with UK specialist lenders.
Read moreContact
Start a conversation
We welcome enquiries from UK commercial lenders and from institutional investors.