Property type: Industrial
Industrial Property Bridging Loans Norfolk
We arrange bridging finance against industrial property across the Great Yarmouth South Denes energy park, the King's Lynn Bergen Way and Hardwick industrial corridors, Norwich's Hellesdon and Longwater estates, the Thetford agricultural-processing belt and the wider Norfolk 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 Norfolk 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
- Norfolk specialists
Norfolk · Norfolk
Bridge to your next move.
The asset class
What industrial property looks like in Norfolk.
Industrial stock around Norfolk is concentrated in four corridors. The Great Yarmouth South Denes energy park carries the offshore-wind supply chain, with workshop, fabrication and storage units from 2,000 to 30,000 sq ft serving Scroby Sands, Sheringham Shoal, Dudgeon and the wider East of England wind farm portfolio. The King's Lynn industrial belt along Bergen Way and Hardwick carries port-related logistics, agricultural processing and general-distribution stock. Norwich's Hellesdon, Longwater and Sweet Briar estates carry the trade-counter, light-industrial and small workshop units serving the urban catchment. And the Thetford and Attleborough corridor carries the larger agricultural-processing and food-distribution stock, anchored by 2 Sisters Food Group at Thetford and Banham Poultry at Attleborough. Yields on industrial across Norfolk have compressed materially since 2015 and held firmer than any other commercial class through the recent cycle, supported by offshore-wind, port-related logistics and food-processing demand.
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 £250,000 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.
Norfolk context
Industrial Demand from Offshore Wind, Port Logistics and Agricultural Processing
Industrial demand across Norfolk is structurally underpinned by three durable drivers. The Great Yarmouth offshore-wind supply chain has expanded materially since the construction of Scroby Sands, Sheringham Shoal and Dudgeon, with the South Denes energy park now anchoring a Tier 1 and Tier 2 supplier base servicing wind-farm operations, maintenance and crew-transfer vessels. Rental tone on units within the energy park and the adjoining Beacon Park runs materially ahead of equivalent stock further inland. The King's Lynn port handles general cargo, agricultural exports and timber, with the Bergen Way and Hardwick industrial belts supporting freight, processing and warehousing demand for the wider west Norfolk and Fens economy. The Norwich industrial picture is more diversified, with Hellesdon, Longwater and the Airport Industrial Estate carrying trade-counter, automotive aftermarket and small light-engineering stock serving the urban catchment. The Thetford and Attleborough corridor carries the larger food-processing demand from 2 Sisters Food Group at Thetford, Banham Poultry at Attleborough and the wider agricultural supply chain through Wymondham and Dereham. Across Norfolk, the industrial picture is consistent: vacant secondary units trade sharper than tenanted investments in many sub-markets through the recent rate cycle, and offshore-wind-related stock trades firmer than any other industrial sub-segment.
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 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 offshore-wind supply chain industrial property?
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Great Yarmouth South Denes energy park stock and adjacent industrial units serving the offshore-wind supply chain trade firm, and bridging lenders price them at the softer end of the industrial range. The Tier 1 and Tier 2 supplier covenants are recognised, and the long-dated nature of the wind-farm operations contracts gives lenders comfort on the rental income. Most cases price at 0.75 to 0.95% per month at 65 to 70% LTV with a clear refinance exit to term commercial debt.
What rates apply to industrial bridging across Norfolk?
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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 Norfolk or across Norfolk.
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 Norfolk industrial bridging specialist.
We arrange short-term finance on industrial property across Norfolk, Norfolk County Council and the seven district councils. Indicative terms in 24 hours.