Bridging finance

Bridging finance

Short-term, secured funding to bridge a gap until longer-term finance or a sale is in place. Available from around £25k to £5m+ through our panel of specialist lenders.

Get a free quote

Bridging finance is a short-term loan, usually secured against property.

Good for

Businesses buying premises before a commercial mortgage is in place
Businesses needing to release capital tied up in commercial or investment property for a short period
Buyers at auction with a fixed completion deadline
Businesses resolving a short-term funding gap with a clear exit

How it works

  1. 1

    Tell us the plan

    What you need, roughly how much and what it is for. No essays required.

  2. 2

    We search our lender panel

    We match your business with specialist lenders and explain the options in plain English.

  3. 3

    You decide

    Like an option? We help you see it through. If not, no hard feelings and no obligation.

The detail

So what exactly is it?

Bridging finance is a short-term loan, usually secured against property. It is designed to cover a gap, for example buying premises before longer-term funding is arranged, or releasing capital while a sale goes through. Loans are usually repaid in a lump sum when the asset is sold or refinanced, so a clear exit plan is central to every application.

What can it be used for?
  • Buying premises when the right one comes up
  • Auction purchases
  • Covering a gap between selling and buying business premises
  • Short-term capital release
  • Refurbishment before refinancing
  • Refinancing onto a term loan
What we'll need from you
  • Details of the property offered as security
  • The amount you want to borrow and how long for
  • Your exit plan, such as a sale or refinance, with supporting detail
  • Information about you and any company borrowing
  • Proof of deposit or equity where relevant
  • Details of any works planned

Questions

What is an exit strategy?

It is how the loan will be repaid at the end of the term, usually by selling the property or refinancing onto longer-term finance. Lenders look closely at how realistic the exit is.

Can bridging finance be used for auction purchases?

Yes, it is commonly used for auction purchases because of their fixed completion deadlines. We recommend speaking to us before the auction.

Is a valuation needed?

In most cases the lender will instruct a valuation of the security property. We will explain what each lender requires.

Can you borrow against more than one property?

Some lenders will take security over more than one property. We can talk through whether that would suit your situation.

Business finance only. We only help with unregulated, business-purpose lending, for example to limited companies or for business use. We can't help with regulated mortgages, consumer credit or loans secured on a home someone lives in.

Also see: Business loans · Working capital and cash flow finance · Invoice finance · Asset finance · Commercial mortgages · Development finance

Ready when you are.

Get a free, no-obligation quote. Finance subject to status.

Get my free quote