Owner-funded bridging finance for UK property.
Direct lender · Own funds · Business purposes only
Owner-funded bridging finance for UK property.
Commercial lending decisions made directly by the people providing the capital. No credit committee. No external funding line that can disappear halfway through a transaction. You deal directly with the principal, so the answer you receive on day one is the answer you can rely on.
- Initial lending decision within 24 hours
- No credit committee
- No external funder
- You deal with the principal
Three minutes. You will know your rate, your net advance and your legal pack before you commit to anything.
Our lending snapshot
Our focus
We typically fund
We specialise in business-purpose bridging loans secured against property across England and Wales. If your transaction doesn’t fit neatly into a bank’s lending policy, we would still like to hear about it.
Typical transactions
- Auction purchases
- Commercial property acquisitions
- Semi-commercial property
- Mixed-use investments
- Vacant property
- Bridging to refinance
- Light refurbishment
- Time-sensitive completions
What we look for
- Clear exit strategy
- Strong underlying security
- Realistic, achievable timelines
- Experienced borrowers
- Solid commercial rationale
A commercial approach
Every transaction is different. We assess the property, the exit strategy and the commercial rationale behind the loan rather than relying solely on automated lending policies.
If the numbers make sense, we’ll find a solution.
Have a transaction in mind?
Send us the details and receive indicative terms.
Why us
The difference is who makes the decision.
When the people making the lending decision also provide the capital, there are fewer layers, clearer communication and greater certainty throughout the transaction.
Our own capital
We lend from our own balance sheet without relying on an external funding line, giving greater certainty throughout the transaction.
Direct access
You deal directly with the principal assessing the transaction and providing the capital.
Commercial judgement
We assess the property, the borrower, the exit strategy and the commercial rationale.
Greater certainty
The position agreed at the outset is less likely to change halfway through the transaction.
Lending criteria
Our lending criteria.
Indicative terms for our bridging finance. Every opportunity is assessed on its merits.
One rate, published. We do not quote "from" a number we have no intention of lending at. Interest is serviced monthly in advance rather than retained, so more of the loan reaches you on day one — but you need to fund the monthly payment from somewhere other than the facility. If your project has no income until exit, say so early and we will talk it through.
Who we lend to
- UK limited companies and SPVs
- UK LLPs
- Individuals borrowing for a property business they carry on
What we lend against
- Buy-to-let and residential investment property
- Semi-commercial and commercial property
- Land with planning consent
- Purchase, refinance, or capital raise on an owned asset
- Auction purchases with a defined deadline
What we will not do
- Lend against a home you, a director, a shareholder or your family live in
- Lend to a borrower who is not carrying on a property business — a consumer buy-to-let
- Lend to anyone acting as trustee
- Lend to unincorporated partnerships or sole traders
- Take a charge over anyone's home as additional security
- Second charges
The exclusions are not preferences. Lending on a property anyone connected to the borrower occupies would make it a regulated mortgage contract, and lending to someone who is not carrying on a property business would make it a consumer buy-to-let. We are authorised to write neither. If you borrow personally, the loan has to be wholly or predominantly for your property business, and you will sign a declaration saying so — that declaration is what the exemption rests on. We check all of this before anything else, and we would rather tell you in the first minute than the fourth week.
Important
These are indicative terms only and subject to status. Terms will vary depending on the opportunity and security.
How we assess opportunities
We look at the bigger picture.
Every transaction is different. We don’t rely on a rigid credit score or computer model. Our lending decisions are based on commercial judgement and what makes sense for the deal.
The asset
We look at the quality, location and marketability of the property securing the loan.
The borrower
We consider your experience, track record and circumstances to understand the deal behind the numbers.
The exit strategy
Whether it’s a sale, refinance or long-term finance, a clear and achievable exit is essential.
The numbers
We consider leverage, affordability, interest cover and overall risk – not just one metric.
The timescale
We understand that many opportunities are time-sensitive and we respond accordingly.
Commercial judgement
Not every good deal fits a standard policy. We take a pragmatic, commercial approach to lending.
Every opportunity is assessed by the principal providing the capital – not by a credit committee.
This means faster decisions, clearer communication and solutions tailored to the transaction.
How it works
You answer nine questions. We do the searching.
Most lenders hand you a twenty-page form and call it an application. We would rather run the Land Registry and Companies House work ourselves and come back with terms we have actually underwritten.
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Step one
Eligibility
Three questions establish whether we can lend at all. If we can't, you find out here, not later.
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Step two
The deal
Address, value, amount, term, exit. Enough for us to price it and make a decision.
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Step three
The company
Your registration number, and three things no public register can tell us.
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Step four
Your legal pack
Before you commit: exactly which documents you'll sign, and whether anyone needs independent legal advice.
Why we tell you about the legal pack up front
Bridging deals rarely die on the lending decision. They die in the legals — a guarantor who needs independent legal advice and can't get an appointment for a fortnight, a director's loan nobody mentioned that needs subordinating, articles that don't let a sole director act.
Every one of those is knowable on day one. So we ask on day one, and we tell you what it means for your timeline before you have spent anything.
Transaction highlights
Recent transactions.
We have successfully funded a wide range of bridging loans across the UK. Below are a selection of recent transactions we’ve completed.
Mixed use investment
London
Purpose
Purchase
Refinance & development
London
Purpose
Refinance & development
Vacant commercial
Bletchley
Purpose
Purchase
How it works
From enquiry to funding.
A straightforward process with direct communication from start to finish.
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1
Initial discussion
Speak directly with the principal to discuss your transaction, requirements and timeline.
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2
Indicative terms
If the opportunity fits our lending criteria, we’ll issue indicative terms promptly.
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3
Due diligence
Valuation, legal work and supporting information are completed while we remain in direct contact throughout.
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4
Funding
Once conditions are satisfied, funds are released and your transaction completes.
No credit committee. No unnecessary layers. Just clear communication and commercial decisions throughout the process.
FAQ
Frequently asked questions.
The questions we are asked most often. If yours isn’t here, get in touch and we will answer it directly.
What is bridging finance?
Bridging finance is short-term property finance designed to help borrowers complete purchases, refinance existing debt or unlock opportunities where speed and flexibility are important.
Why choose an owner-funded lender?
Because the people making the lending decision are the same people providing the capital. This allows for direct communication, faster decision-making and a more pragmatic approach to transactions that don’t always fit a standard lending policy.
What types of property do you fund?
We consider a wide range of opportunities including commercial, semi-commercial, mixed-use, residential investment, vacant property, auction purchases, refinance, development exit and value-add opportunities.
If you’re unsure whether your transaction is suitable, we’re happy to discuss it.
How quickly can you provide indicative terms?
We understand that many bridging transactions are time-sensitive. Once we’ve received the key information, we aim to provide indicative terms as quickly as possible.
What loan sizes do you consider?
We typically consider loans from £150,000 to £2 million, depending on the opportunity, security and exit strategy.
Do I deal directly with the decision-maker?
Yes. From your initial enquiry through to completion, you’ll deal directly with the principal assessing the transaction and providing the capital. There are no unnecessary layers or credit committee delays.
Have a transaction in mind?
Send us the details and receive indicative terms.