Property type: Industrial
Industrial Property Bridging Loans Kent
We arrange bridging finance against industrial property across Kent, from the Ebbsfleet and Dartford logistics corridor through the M20 belt at Ashford, Aylesford and Maidstone, the Channel Tunnel-adjacent stock around Folkestone, and the Sandwich life-sciences industrial estate. 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 Kent 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
- Kent property focus
Kent · Kent
Bridge to your next move.
The asset class
What industrial property looks like in Kent.
Industrial stock around Kent is concentrated in four corridors. The Ebbsfleet and Dartford A2 corridor carries the largest logistics-and-distribution stock, sitting close to the M25 junction and supporting the strategic distribution and last-mile occupiers serving Greater London and the South East. The M20 belt from Maidstone Aylesford through to Ashford International carries mid-size logistics, manufacturing and trade-counter units. The Channel Tunnel and Dover Port-adjacent stock around Folkestone, Hythe and Sandgate carries cross-Channel freight forwarders and customs-cleared logistics operators. And the Sandwich industrial estate carries a mix of life-sciences supply chain, light manufacturing and specialist engineering. Yields on industrial across Kent have compressed materially since 2015 and held firmer than any other commercial class through the recent cycle, supported by Channel Tunnel and Dover Port logistics demand and the Garden of England agricultural supply chain.
Use cases
Bridging use cases for industrial assets.
Industrial bridging cases in Kent run across five repeat patterns. The first is auction purchase of single-let or vacant units from the Clive Emson Maidstone catalogues, 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; this pattern recurs particularly among Kent agricultural-supply, food-processing and Channel-freight businesses. 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.
Kent context
Industrial Demand from the Channel Tunnel, Dover Port and Ebbsfleet Corridor
Industrial demand in Kent is structurally underpinned by the Channel Tunnel terminal at Folkestone, Dover Port, the Ebbsfleet logistics hub and the M20 and A2 corridor stock that distributes freight across the South East. The Channel Tunnel and Dover Port together handle the bulk of UK cross-Channel freight movement, supporting a customs-and-logistics cluster of small units around Folkestone, Cheriton, Sevington Ashford and the inland-border-control facilities the Government has built across the county. Ebbsfleet has emerged as a strategic last-mile distribution hub, sitting at the intersection of the M25, A2 and HS1 connections, with significant logistics development on the Garden City fringe. Maidstone and Aylesford carry mid-size manufacturing and trade-counter stock along the M20 corridor, with Aylesford in particular hosting the Garden of England fresh-produce processing operators that anchor Kent's agricultural supply chain. The Sandwich industrial estate carries life-sciences supply-chain occupiers, light engineering and specialist manufacturing supporting the Discovery Park campus and the wider East Kent economy. Across the county, the industrial picture is consistent: tight vacancy in good-quality logistics stock, soft demand for outdated secondary units, and a steady pipeline of EPC-driven refurbishment as the MEES regime tightens. Bridging lenders read this market confidently and price industrial accordingly.
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 Kent industrial bridge 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 from the Clive Emson Maidstone and BTW Shipside Garden of England catalogues 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 Kent 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 Kent 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 Kent or across Kent.
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 Kent industrial bridging specialist.
We arrange short-term finance on industrial property across Kent, the Kent County Council and Medway Council unitary area and the wider Kent market. Indicative terms in 24 hours.