Property type: Industrial
Industrial Property Bridging Loans Sussex
We arrange bridging finance against industrial property across the Manor Royal estate in Crawley RH10, the Burgess Hill RH15 industrial belt, the Newhaven port logistics corridor, the Shoreham harbour fringe and the wider Sussex light-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 Sussex 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
- £150k to £25m
- Sussex bridging desk
Sussex · Sussex
Bridge to your next move.
The asset class
What industrial property looks like in Sussex.
Industrial stock across Sussex is concentrated in several distinct corridors. The Manor Royal estate in Crawley RH10 is the largest industrial and logistics estate in West Sussex, serving Gatwick Airport, the M23 logistics corridor and the wider South East distribution network. The Burgess Hill RH15 industrial estates and the Haywards Heath fringe carry mid-size light-industrial and trade-counter stock from 2,000 to 25,000 sq ft. Newhaven port supports a coastal logistics base linked to the Dieppe ferry route and the cross-channel trade. Shoreham harbour carries small-scale marine-and-light-industrial stock. The Bognor Regis PO22 and Chichester PO19 industrial estates serve the coastal economy and the Goodwood-related motor sector. Yields on industrial across Sussex have compressed materially since 2015 and held firmer than any other commercial class through the recent cycle, supported by Gatwick-driven logistics demand, last-mile delivery growth and the M23 strategic position.
Use cases
Bridging use cases for industrial assets.
Industrial bridging cases in Sussex 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.
Sussex context
Industrial Demand from Gatwick, the M23 Corridor and the Sussex Coast
Industrial demand across Sussex is structurally underpinned by Gatwick Airport and the M23. Gatwick is the second-busiest UK airport by passenger numbers, supporting a Tier 1 and Tier 2 supplier base at Manor Royal in Crawley RH10 that requires logistics, ground-handling, catering, cargo and engineering space in close proximity to the airport. The M23 connects this estate to the M25 and the wider London distribution network in under thirty minutes, which makes Manor Royal one of the strongest logistics positions in the South East. Beyond Manor Royal, Burgess Hill, Haywards Heath and Hassocks carry the secondary industrial belt, with smaller units serving regional distribution and trade-counter demand. The Sussex coast supports a different industrial story. Newhaven port handles the cross-channel ferry to Dieppe and a freight base that feeds the East Sussex hinterland. Shoreham harbour supports marine engineering, small-scale logistics and the air-and-light industrial belt running back into Lancing and Worthing. Bognor Regis PO22 and Chichester PO19 host industrial estates serving the West Sussex coastal economy, with a niche motor-industry cluster around Goodwood. Across Hastings, Bexhill and Eastbourne the picture is smaller-scale, with light-industrial and trade-counter stock serving local catchments. Bridging lenders price all of these locations on the merits, with Manor Royal at the top of the curve, Burgess Hill and Newhaven in the middle, and the secondary East Sussex stock at the wider-spread end.
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 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 Sussex?
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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. Manor Royal stock prices at the lower end of the range; East Sussex secondary stock prices at the upper end. Arrangement fees sit at 1.5 to 2% across the range.
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 Sussex or across Sussex.
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 Sussex industrial bridging specialist.
We arrange short-term finance on industrial property across Sussex, covering East Sussex Council, West Sussex Council and the Brighton & Hove unitary area. Indicative terms in 24 hours.