Bridging Loan

A secured, short-term business loan backed by residential or commercial property up to £20m.

Up to 2 years
New lower pricing
£25k to £20m

What is a bridging loan?

A Property Finance bridging loan is typically used for commercial or residential property purchases. For example, in the event you can't find the necessary funding for a new business premises, a bridging loan is often a viable short-term option. This type of funding is useful when you have a clearly defined plan for financing - for example, if you're waiting on a mortgage application but need to make a property purchase right now.

The standard package can be up to £20m in value and usually lasts 12 months in duration. As this kind of finance is designed to 'bridge' a gap, it is designed for short-term use and the agreed repayment and interest are settled at the end of the term in one 'bullet' payment. Bridging loans differ from term loans in that they are specifically tailored to be temporary and a business can use the time to find longer-term finance that may be a better fit and then refinance at the end of the term.

To learn more about bridging loans download our fact sheet


Due to the nature of the Property Finance product, the time it takes from application to funding with a bridging loan varies, but is typically two to three weeks. To speed up your application, make sure you have employed a capable solicitor prior to application and have your documents readily available.


You identify that your business needs finance and make an enquiry.


We call you for a consultation and confirm that your business is eligible.


You send us your documents and we send you an offer.


We complete a valuation on the property that you own.


Once all the legal work and documents have been completed, you receive funding.



  •  Property owner in England or Wales
  •  From start-up
  •  Business registered in England and Wales


  •  Latest three months business bank statements
  •  Full set of business accounts
  •  For start ups: cash flow forecast and business plan

Other types of property finance

More Information

If you’d like to speak to a member of our expert, friendly team about becoming a finance broker for your UK clients, please don’t hesitate to get in touch. We’ll do everything we can to help you access the SME finance you need for the businesses you work with.