Property type: Industrial
Industrial Bridging Loans Derby
We arrange bridging finance against industrial property across Pride Park, the Wyvern Way estates, the Spondon DE21 industrial belt, the Sinfin DE24 aerospace cluster and the wider Derbyshire 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 Derby commercial 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
- Derbyshire specialists
Derby · Derbyshire
Bridge to your next move.
The asset class
What industrial property looks like in Derbyshire.
Industrial stock around Derby is concentrated in four corridors. The Pride Park and Wyvern estates east of the city centre carry light-industrial, trade-counter and small workshop units from 1,500 to 20,000 sq ft within easy reach of the A52 and A6. The Spondon and Raynesway DE21 estates hold mid-size manufacturing and engineering sheds. The Sinfin DE24 cluster, sitting around Rolls-Royce's civil aerospace and defence engine plants, carries dedicated Tier 2 and Tier 3 supplier workshops, machining shops and aerospace component facilities. And further south, the Toyota Burnaston plant just south-west of Derby anchors a tier-supplier shed market in South Derbyshire. Yields on industrial across Derbyshire have compressed materially since 2015 and held firmer than any other commercial class through the recent cycle, supported by aerospace, rail and automotive supply-chain demand.
Use cases
Bridging use cases for industrial assets.
Industrial bridging cases in Derby run across five repeat patterns. The first is auction purchase of single-let or vacant units, typically £250,000 to £1.2 million, with completion against the 28-day clock. The second is investment-purchase of multi-let trade-counter estates around Pride Park or Wyvern 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 engineering 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.
Derby context
Industrial Demand from Sinfin Aerospace to the A38 Corridor
Industrial demand in Derby is structurally underpinned by three of the most recognised engineering names in UK manufacturing. Rolls-Royce at Sinfin is the largest single employer in the city, with the civil aerospace and defence engine programmes supporting a Tier 2 and Tier 3 supplier base across DE24 that needs workshop, machining and component-assembly space within minutes of the plant gates. Toyota's UK manufacturing base at Burnaston, just south-west of the city, supports a parallel automotive tier-supplier shed market across South Derbyshire and along the A38. Alstom at Litchurch Lane runs the rail rolling-stock production line, with a separate engineering and components supply chain occupying workshop and small-shed stock across the south of the city. Distribution access is strong: the A38 runs north to the M1 at Junction 28 and south to Birmingham; the A6 connects to Belper and the Peak District; and the M1 itself runs east of the city with Junction 24 and Junction 25 giving regional and national reach. Beyond Derby itself, Derbyshire industrial picks up at Long Eaton, Ilkeston, Heanor, Alfreton and Ripley with quarry-and-distribution stock further north toward Chesterfield. Across the county, vacant secondary units have traded sharper than tenanted investments in many sub-markets through the recent rate cycle, which is consistent with the wider East Midlands industrial picture.
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. LendInvest, Octopus Real Estate and MT Finance are all active on Derby industrial bridging, with Allica Bank and Aldermore stronger at the larger end and Shawbrook taking the more complex multi-let estate cases. 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 Derby industrial bridge sits at £300,000 to £2.5 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 on Wyvern or Pride Park inside the 28-day clock?
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Yes. Industrial auction completions are core to the Derby 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 Derby 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 Derbyshire 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, particularly Rolls-Royce-specification component facilities at Sinfin, price higher reflecting the narrower buyer pool at exit. 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 Derby or across Derbyshire.
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 Derby industrial bridging specialist.
We arrange short-term finance on industrial property across Derby, the City of Portsmouth unitary authority and the wider Derbyshire market. Indicative terms in 24 hours.