Commercial bridging loans are short-term funding solutions used to purchase commercial properties when permanent financing is not an option. Their primary use is when a property needs significant renovation before it will qualify for permanent financing. For a commercial bridging loan, the overall use of the property must be more than 40% commercial. This means that the use is for business purposes. This could include restaurants, pubs, offices, shops, retail outlets, etc. 

Commercial bridging loans are typically designed for businesses and property investors to facilitate fast property purchases, and renovations, or resolve temporary cash flow gaps. These loans are secured against commercial properties and can provide fast access to substantial capital, often within a few weeks. On the other hand, semi-commercial (mixed-use) bridging loans are tailored for properties that have both residential and commercial components. They are suitable for investors looking to acquire or refurbish properties with mixed-use purposes, such as shops with residential flats above. Both types of bridging loans offer flexibility and speed, making them valuable tools in the commercial property market for bridging financial gaps and seizing time-sensitive opportunities.