Property type: Industrial
Industrial Property Bridging Loans Middlesbrough
We arrange bridging finance against industrial property across the Teesside Freeport zone, the Teesworks regeneration site, the Wilton International chemical park, Cleveland Industrial Estate, the Cargo Fleet and South Bank corridor and the wider North Yorkshire industrial belt. Loan sizes run £200,000 to £25 million, terms from 1 to 24 months, completions in 7 to 21 days. Industrial bridging is the strongest-performing part of the Tees Valley 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. We are not directly authorised by the Financial Conduct Authority; we work with FCA-authorised partners for regulated lending.
- Decisions in hours
- Completion in days
- £100k to £25m
- North Yorkshire specialists
Middlesbrough · North Yorkshire
Bridge to your next move.
The asset class
What industrial property looks like in North Yorkshire.
Industrial stock around Middlesbrough is concentrated in four corridors. The Teesside Freeport zone, the UK's largest freeport at 4,500 acres, spreads across the former SSI / Redcar Steelworks site at Teesworks, the PD Ports / Teesport estate at Tees Dock, and the Wilton International chemical park, supporting a deep mix of heavy industrial, chemical, logistics and energy-transition tenants. The Cleveland Industrial Estate at South Bank carries mid-size workshop, light-industrial and trade-counter stock. The Cargo Fleet corridor and the South Bank Wharf area sit closer to the river and the A66, with smaller workshop and yard units. And the larger logistics-and-distribution stock spreads out toward Cargo Fleet Lane, Marton Road and into the A19 corridor. Yields on industrial across the Tees Valley have compressed materially since 2018 and held firmer than any other commercial class through the recent cycle, supported by Freeport-related logistics demand, the Net Zero Teesside carbon-capture buildout and the energy-transition supply chain anchored at Wilton.
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 £200,000 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.
Middlesbrough context
Industrial Demand from Teesside Freeport, Teesworks and PD Ports
Industrial demand in Middlesbrough is structurally underpinned by four anchor sites that together make the Tees Valley one of the most active industrial-property markets in the UK. Teesside Freeport, the UK's largest freeport at 4,500 acres, covers Teesworks (the regeneration of the former SSI / Redcar Steelworks site), PD Ports / Teesport at Tees Dock (handling around 27 million tonnes of cargo a year), Wilton International chemical park, and the South Bank Wharf area. Teesworks alone hosts the BP and Equinor-led Net Zero Teesside carbon capture and storage flagship, the SeAH Wind offshore-wind monopile factory, and the GE Vernova offshore-wind blade plant, drawing a deep tier-one and tier-two supplier base that needs workshop, light-engineering, fabrication and logistics space within fifteen minutes of the gates. PD Ports at Tees Dock anchors the cargo, container, bulk and project logistics that flows through the Tees, with a customs-and-logistics cluster of small units around the South Bank and Cargo Fleet corridors. Wilton International chemical park, the long-established chemicals cluster, continues to host petrochemicals, specialty chemicals and the increasingly important hydrogen and carbon-capture pilot infrastructure. Cleveland Industrial Estate sits inland from the Freeport core and carries mid-size workshop and warehouse stock serving both Freeport tenants and the wider Tees Valley supply chain. Across North Yorkshire, the industrial picture is consistent: Stockton-on-Tees, Thornaby, Hartlepool and Darlington carry parallel industrial belts, and the M62 corridor stock at Catterick and Northallerton serves wider distribution demand. The Freeport designation and the Net Zero Teesside investment commitment have moved the rental tone on industrial in the Tees Valley materially in the last three years, with bridging lenders pricing the asset class confidently as a result.
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 £300,000 to £4 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 the Tees Valley 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 Middlesbrough or across North Yorkshire.
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 Middlesbrough industrial bridging specialist.
We arrange short-term finance on industrial property across Middlesbrough, the City of Portsmouth unitary authority and the wider North Yorkshire market. Indicative terms in 24 hours.