Property type: Industrial
Industrial Property Bridging Loans Buckinghamshire
We arrange bridging finance against industrial property across Buckinghamshire, from the Milton Keynes business parks at Kingston, Tongwell and Wymbush through the M40 logistics corridor between Beaconsfield and the Oxfordshire boundary to the Wycombe and Marlow industrial estates and the Aylesbury Vale fringe units. Loan sizes run £200,000 to £15 million, terms from 1 to 24 months, completions in 7 to 21 days. Industrial bridging is the strongest-performing part of the South East bridging book; pricing sits 0.7 to 1.1% per month for clean cases and 1.1 to 1.4% for vacant or specialist units.
- Decisions in hours
- Completion in days
- £100k to £25m
- Buckinghamshire specialists
Buckinghamshire · Buckinghamshire
Bridge to your next move.
The asset class
What industrial property looks like in Buckinghamshire.
Industrial stock across Buckinghamshire is concentrated in four corridors. The Milton Keynes business parks at Kingston, Tongwell, Wymbush, Mount Farm and Bletchley carry light-industrial, trade-counter and small workshop units from 1,500 to 50,000 sq ft, alongside larger logistics distribution stock on the edge of the M1 corridor. The M40 corridor between Beaconsfield, Stokenchurch and the Oxfordshire boundary carries logistics-and-distribution stock serving the London hinterland and the Thames Valley. The Wycombe and Marlow industrial estates carry smaller light-industrial and trade-counter units serving the local economy and the Bucks furniture-heritage manufacturing base. And the Aylesbury Vale fringe units carry agricultural-tied, food-processing and small light-industrial stock. Yields across South East industrial have compressed materially since 2015 and held firmer than any other commercial class through the recent cycle, supported by London-hinterland logistics demand and the M1 and M40 motorway access.
Use cases
Bridging use cases for industrial assets.
Industrial bridging cases in this market run across five repeat patterns. The first is auction purchase of single-let or vacant units, typically £300,000 to £1.5 million, with completion against the 28-day clock. The second is investment-purchase of multi-let trade-counter estates where the buyer plans a refurbishment, a rent review programme and a refinance to long-term commercial debt. The third is capital raise against an unencumbered industrial freehold, often held by an owner-occupier business that needs short-term liquidity for working capital or for a separate property deposit. The fourth is purchase of poorly-let or part-vacant secondary stock with a clear lease-up plan, where the bridge funds the gap between purchase and stabilised income. The fifth is refurbishment-and-re-let cases where a tired unit is brought up to current EPC and specification before re-letting and refinance. Across all five, lenders care about the unit's letting prospects, the local rental tone, and the realism of the refinance exit at stabilised income.
Buckinghamshire context
Industrial Demand from the M40, M1 and Milton Keynes Logistics Corridors
Industrial demand in Buckinghamshire is structurally underpinned by the M40 and M1 motorway corridors and the Milton Keynes business-park estate. The M40 corridor between Beaconsfield, Stokenchurch and the Oxfordshire boundary feeds logistics-and-distribution occupiers serving the western London hinterland, with rental tone on units within five minutes of the motorway running materially ahead of equivalent stock further from the network. The M1 corridor through Milton Keynes feeds a parallel logistics market, with the Kingston, Tongwell and Wymbush business parks holding institutional-grade stock and the Mount Farm and Bletchley fringes holding lower-tone trade-counter and light-industrial units. The Pinewood Studios production-services fringe at Iver Heath generates a specialist industrial demand for film-and-television-related workshop, storage and prop-house space. The High Wycombe and Marlow industrial estates hold smaller light-industrial and trade-counter stock, with some legacy furniture-heritage manufacturing still present. The Aylesbury Vale fringe units carry food-processing, agricultural-tied and small light-industrial stock supporting the surrounding rural economy. Across the wider region, the industrial picture is consistent: strong demand for well-located logistics, firm demand for trade-counter on motorway-accessible estates, and a thinner market for older single-purpose stock.
Valuation and lenders
Valuation and lender considerations.
Industrial valuations come back on rent-and-yield for tenanted investments, vacant possession value for empty units, and on a sterling-per-square-foot comparable basis where the asset is small or specialist. LTV caps sit at 65 to 75% on tenanted investments, 60 to 70% on vacant stock, and 65% on owner-occupied capital-raise cases. MT Finance, Octane Capital, United Trust Bank, LendInvest, Hope Capital, Octopus Real Estate and Together all take industrial on bridging, with Shawbrook, Allica Bank and Aldermore more active at the larger end. Lenders increasingly ask for EPC evidence given the MEES regime; sub-E ratings need a clear remediation plan to clear.
What we arrange
What we typically arrange.
A typical industrial bridge in this market sits at £350,000 to £3 million, 65 to 75% LTV, 6 to 12 months, 0.75 to 1.15% per month, arrangement fee 1.5 to 2%. Auction cases complete in 7 to 14 days with title insurance. Investment-purchase cases run 14 to 21 days. Refurbishment cases include a works tranche released against monitoring surveyor sign-off. Exit is typically refinance to long-term commercial debt, sale to an investor, or sale of vacant possession to an owner-occupier.
FAQs
Industrial bridging questions
Can we complete an industrial unit auction purchase inside the 28-day clock?
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Yes. Industrial auction completions are core to the book. With the auction pack delivered the morning after the hammer falls, we typically come back with indicative terms inside 24 hours, run the valuation and legal in parallel, and complete in 10 to 14 days using title insurance where the title has any complexity. The 28-day clock is rarely the binding constraint; the binding constraint is usually a slow surveyor or a slow buyer's solicitor.
How do bridging lenders treat EPC ratings on industrial units?
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Sub-E EPC ratings need to be addressed before the unit can be let under the MEES regime. Lenders price for the remediation cost and the timeline. For a vacant unit at F or G, the bridge often funds the refurbishment to EPC C or better as part of the works tranche. For a tenanted unit with an existing lease, the position depends on the lease length and the landlord's repair obligations. We work the EPC piece up front so it does not surprise the lender at credit committee.
What rates apply to industrial bridging across Buckinghamshire in 2026?
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Tenanted industrial investments with a recognisable covenant and a clear refinance exit price at 0.7 to 0.9% per month at 65 to 75% LTV. Vacant secondary units with a credible lease-up plan price 0.9 to 1.15% per month at 60 to 70% LTV. Specialist or single-purpose industrial buildings price higher, reflecting the narrower buyer pool at exit. Arrangement fees sit at 1.5 to 2% across the range. Valuation and legal fees are borrower-paid on both sides.
Tell us about the deal
Indicative terms within 24 hours.
A short triage call, then a sized indicative offer against a named lender for your industrial property in Buckinghamshire or across Buckinghamshire.
Regulated bridging on owner-occupied residential property falls under FCA regulation. Unregulated bridging on commercial and investment property does not. We are not directly regulated by the Financial Conduct Authority, and we introduce regulated cases to authorised partners who carry out the regulated activity.
Next step
Talk to a Buckinghamshire industrial bridging specialist.
We arrange short-term finance on industrial property across the Buckinghamshire Council and Milton Keynes City Council unitary areas. Indicative terms in 24 hours.