Property type: Industrial
Industrial Property Bridging Loans Cambridgeshire
We arrange bridging finance against industrial property across the Cambridge Science Park supply-chain industrial belt, the biotech-tier-one units around the AstraZeneca Cambridge Biomedical Campus, the Peterborough rail-freight and East Coast Main Line distribution estates, the Wisbech Nene port logistics belt, and the wider county industrial market. 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 Cambridgeshire 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
- Cambridgeshire specialists
Cambridgeshire · Cambridgeshire
Bridge to your next move.
The asset class
What industrial property looks like in Cambridgeshire.
Industrial stock across Cambridgeshire is concentrated in five corridors. The Cambridge tech-park industrial belt around the access roads to Cambridge Science Park, St John's Innovation Park and the Biomedical Campus carries small-and-medium-sized industrial units serving the biotech and contract research supply chain. The A14 corridor between Cambridge and Huntingdon carries logistics, distribution and light-industrial stock from 5,000 to 50,000 sq ft. The A1 corridor through St Neots and Peterborough carries the larger logistics-and-distribution stock supporting the East Coast Main Line freight terminals at Peterborough. The Wisbech Nene port and the surrounding Fenland market towns carry port-logistics, agricultural-tied and food-processing industrial stock. And the Ely and Soham industrial estates carry smaller mixed-use industrial sitting between the Cambridge commuter belt and the Fenland agricultural economy. Yields on industrial across Cambridgeshire have compressed materially since 2015 and held firmer than any other commercial class through the recent cycle, supported by life-sciences supply-chain demand, rail-freight at Peterborough and Wisbech port traffic.
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 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.
Cambridgeshire context
Industrial Demand from Cambridge Science Park, AstraZeneca Supply Chain, Peterborough Rail Freight and Wisbech Port
Industrial demand across Cambridgeshire is structurally underpinned by four anchors. Cambridge Science Park, the Biomedical Campus and the wider tech-cluster supply chain drive demand for small-and-medium industrial units around the access corridors, with biotech tier-one and tier-two suppliers requiring workshop, light-engineering, refrigerated storage and small-scale clean-room space in close proximity to the research campuses. Rental tone on units within twenty minutes of Cambridge Science Park or the Biomedical Campus runs materially ahead of equivalent stock further out. Peterborough rail freight, anchored by the East Coast Main Line and the Stagecoach UK head office, supports a Tier 1 logistics market across the city's industrial estates with strong demand from national distribution operators. The Wisbech Nene river port handles agricultural product, bulk materials and Fenland produce, supporting an industrial-and-warehouse market through the PE13 and PE14 postcodes that prices on a different curve from the rest of the county. Fenland agricultural-tied industrial in March, Chatteris, Whittlesey and Ramsey serves the sugar beet, vegetable and food-processing economy that has anchored the region for generations, with British Sugar's Wissington and Bury operations and Allpress Farms feeding into the supply chain. Across the rest of the county, the A14 corridor through Huntingdon and the A1 corridor through St Neots carry strategic logistics demand serving the wider Cambridgeshire built-up area. The industrial picture is consistent across the geography: vacant secondary units trading sharper than tenanted investments in many sub-markets, with EPC compliance now a binding constraint on letting and refinance.
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. Specialist biotech or food-processing industrial cases sit with lenders comfortable on the relevant building specification.
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 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?
+
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?
+
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 Cambridgeshire in 2026?
+
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, including biotech-fitted space around the Cambridge Biomedical Campus, price slightly 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 Cambridgeshire or across Cambridgeshire.
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 Cambridgeshire industrial bridging specialist.
We arrange short-term finance on industrial property across Cambridgeshire, the Cambridgeshire County Council and Peterborough City Council unitary areas, and the wider Cambridgeshire market. Indicative terms in 24 hours.