Consider it only if the problem is timing and you have a specific, evidenced way to repay within a short period. If you need funding over several years, or your exit depends on something outside your control, a term loan, commercial mortgage or asset finance facility is likely to be more appropriate and cheaper.
Ask yourself three questions. What exactly repays this, and when? What is my evidence that it will happen? What do I do if it slips by three months?
If any of those answers are vague, bridging is probably the wrong product. The cost of an unplanned extension is significant, and the security is property you may not be able to afford to lose.
Where the answers are solid — a sale under offer, a refinance agreed in principle, a works programme with a defined completion — bridging can be a rational way to act on an opportunity that would otherwise pass.
We are an independent broker, not a lender, so we have no reason to push you towards bridging. If a different facility suits you better, we will tell you.