If you’ve ever tried to secure funding for a commercial property purchase in the UK, you’ll know how slow and restrictive traditional banks can be. Endless paperwork, strict credit checks, and long approval times often mean missed opportunities—especially for first-time investors and property developers.
But what if you could access fast, flexible funding without traditional income checks or credit scoring hurdles?
At Sunrise Commercial Finance, we’re currently offering a limited tranche of fully non-status commercial bridging finance starting from just 1% per month. This is an open-ended bridging facility designed specifically for investors, developers, and entrepreneurs who need funding quickly and without the red tape.
Because this exclusive rate is limited, it’s worth understanding exactly how this type of lending works and why it’s becoming increasingly popular across England and Wales.
What Is Fully Non-Status Commercial Lending?
A fully non-status loan means the lender does not require traditional proof of income or affordability assessments in the way mainstream banks do.
Instead, the decision is primarily based on:
- The value of the property
- The security being offered
- The exit strategy (where applicable)
- The overall strength of the deal
For many property investors, this approach is ideal when:
- They have complex income structures
- They’ve experienced credit issues or adverse history
- They need fast bridging finance to secure a deal
- They are purchasing unusual or specialist property types
In short, the property and the opportunity matter more than your credit profile.
Exclusive Headline Terms (Limited Availability)
Our lender has recently reduced rates, creating a highly competitive funding option.
Key terms include:
- Interest rates from 1% per month
- Interest-only payments
- Payments to be serviced
- Facility fee of 2.5% (minimum £2,500)
- Minimum loan: £30,000
- Maximum loan: £2,000,000 (higher considered)
- Up to 65% of the 90-day value
- 3 months’ interest on redemption
- Open-ended loan with no fixed term
- No early repayment penalties
- Property inspection fee: £500
All lending is subject to underwriting.
The biggest attraction is the open-ended structure. Unlike many bridging loans that demand repayment within 6–12 months, this facility has no fixed repayment deadline, provided interest payments remain up to date.
This offers valuable breathing space for investors working on refinancing, restructuring, or selling property assets.
Who Can Apply?
One of the standout features of this facility is its extremely flexible applicant criteria.
We can consider:
- Limited companies
- Individual borrowers
- Partnerships
- Applicants with adverse credit
- Bankrupt borrowers (including loans to help annul bankruptcy)
- SIPPs and pension structures
- Non-UK nationals
- Ex-pat borrowers
- Charities
This makes it one of the most accessible commercial property finance solutions currently available in the UK market.
What Types of Property Can Be Funded?
Another key advantage of this product is the wide range of acceptable security.
We regularly see funding secured against:
Commercial Property
- Retail shops (including those with flats above)
- Offices
- Warehouses
- Industrial units
- Restaurants and cafes
- Hotels and guest houses
- Pubs and theatres
- Care homes
Investment Property
- Buy-to-lets
- Houses in multiple occupation (HMOs)
Specialist or Unusual Assets
- Churches
- Kennels
- Golf courses
- Equestrian properties
- Harbours
Land and Rural Property
- Land with planning permission
- Land without planning permission
- Farms and bare land
- Woodland
This list isn’t exhaustive—if you have a commercial or investment property opportunity, it’s always worth discussing.
The only major exclusions are development finance projects and petrol filling stations.
Why Investors Use Open-Ended Bridging Finance
Traditional commercial mortgages can take months to arrange, often causing buyers to lose opportunities.
Bridging finance solves several key problems:
Speed
Deals can often progress far quicker than bank lending.
Flexibility
Unusual properties and complex borrower situations can still be considered.
Opportunity Funding
Investors can secure property quickly and refinance later once value has been added.
Credit History Flexibility
Adverse credit, bankruptcy history, or complex income structures don’t automatically prevent approval.
For first-time commercial property investors, this can be the difference between securing a deal or watching someone else buy it.
A Broker’s Perspective: Why This Funding Matters
Working as a commercial finance broker, I regularly speak to investors who believe funding is impossible because of past credit issues or unconventional property purchases.
In reality, the UK lending market is much broader than high street banks.
Specialist lenders—like the one offering this facility—focus on asset value and deal strength rather than traditional underwriting criteria.
For investors who understand how to structure property deals, non-status bridging finance can be an extremely powerful tool.
However, because this 1% per month rate is part of a limited tranche, availability may change quickly depending on demand.
Speak to a Commercial Finance Specialist
If you’re exploring commercial bridging loans, non-status property finance, or flexible lending solutions in England and Wales, we’re happy to discuss your project.
Sunrise Commercial Finance works with a wide panel of specialist lenders to help property investors secure funding for opportunities that banks often decline.
Contact us today:
Sunrise Commercial Finance
Phone: 07939 091418
Email: john@sunrisecommercial.co.uk
Website: https://www.sunrisecommercial.co.uk/
Final Thoughts
Opportunities in property often move quickly, and funding delays can cost investors profitable deals.
This open-ended, fully non-status commercial bridging loan starting from 1% per month provides a flexible solution for investors who need speed, accessibility, and minimal bureaucracy.
But with only a limited tranche available, early enquiries are strongly recommended.
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