Property type: Industrial
Industrial Property Bridging Loans Hertfordshire
We arrange bridging finance against industrial property across the Maylands Business Park in Hemel Hempstead, the Leavesden and Elstree film-industry estates outside Watford and Borehamwood, the Stevenage Gunnels Wood industrial corridor, and the wider Hertfordshire industrial belt. 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 county 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
- Hertfordshire specialists
Hertfordshire · Hertfordshire
Bridge to your next move.
The asset class
What industrial property looks like in Hertfordshire.
Industrial stock around the county is concentrated in four corridors. The Maylands Business Park in Hemel Hempstead carries large-format distribution sheds and trade-counter estates feeding the M1 and M25 logistics catchment. The Leavesden, Borehamwood and Elstree estates support the film-industry warehousing demand from Warner Bros Studios and the BBC and Elstree-Studios occupier base. The Stevenage Gunnels Wood corridor carries the MBDA aerospace cluster and the wider engineering and pharmaceutical supply chain serving GSK. The Watford WD18 and Croxley industrial pockets carry smaller trade-counter and workshop units serving the M25 fringe. Yields on industrial across Hertfordshire have compressed materially since 2015 and held firmer than any other commercial class through the recent cycle, supported by the proximity to the M1, M25, A1(M) and the strategic distribution geography between London, the Midlands and the East.
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 £400,000 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.
Hertfordshire context
Industrial Demand from Maylands, the Film-Industry Estates and the Stevenage Aerospace Cluster
Industrial demand across Hertfordshire is structurally underpinned by three distinct economic drivers. The Maylands Business Park in Hemel Hempstead is the largest single-site distribution park in the East of England, with Amazon, DSV, Wincanton and a long roster of third-party logistics operators anchoring the rental tone, supported by the M1 J8 access and the residual post-Buncefield rebuild that produced one of the most modern shed-stock profiles in the South East. The Leavesden, Borehamwood and Elstree corridor supports the film-industry warehousing market that has grown around Warner Bros Studios Leavesden, the BBC Elstree centre and Elstree Studios, with prop-storage, set-build, post-production and visual-effects operators requiring workshop and storage space close to the studio gates. The Stevenage Gunnels Wood corridor supports the MBDA missile-systems supply chain, the Airbus Defence and Space presence and the GSK pharmaceutical supply base, with rental tone running materially ahead of equivalent stock further out. Beyond these clusters, the M25 corridor stock around Borehamwood, Potters Bar, Bushey and into Welwyn Garden City carries strategic logistics demand serving the wider East of England and outer-London catchment. Bridging lenders read all of this and price the Hertfordshire industrial book confidently.
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 £400,000 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?
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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 Hertfordshire 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 Hertfordshire or across Hertfordshire.
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 Hertfordshire industrial bridging specialist.
We arrange short-term finance on industrial property across Hertfordshire, Hertfordshire County Council and the 10 district councils. Indicative terms in 24 hours.