Direct lender · Own funds · Business purposes only
Owner-funded bridging
finance secured on
UK property
Bridging decisions made directly by the people providing the capital — no credit committee, no external funder.
We lend for business purposes only — never against a home you or your family live in.
Direct lender · Own funds · Business purposes only
Owner-funded bridging finance secured on UK property
Bridging 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. Loans are secured against UK property and every opportunity is assessed on its commercial merits.
Three minutes. You will know your rate, your net advance and your legal pack before you commit to anything.
Our lending terms
Why borrowers choose us
Commercial decisions backed by our own capital
- Lending our own capital
- Indicative terms within 24 hours
- No credit committee
- Deal directly with the principal
- Lending secured against UK property
Typical lending scenarios
We lend for a range of commercial purposes
Property purchases
Quick funding to secure property opportunities.
Refinancing
Raise capital or refinance existing facilities.
Auction purchases
Fast completion funding for auction acquisitions.
Development finance
Funding for refurbishment and development projects.
Bridging gaps
Short-term funding to bridge a financial gap.
Our focus
Typical lending scenarios
We specialise in owner-funded bridging finance secured against UK property across England and Wales. We regularly support transactions including:
Typical transactions
- Property purchases
- Refinancing existing borrowing
- Capital raising against existing property
- Auction purchases
- Development finance
- Refurbishment
- Business funding
- Business tax liabilities
What matters to us
- Clear exit strategy
- Strong underlying security
- Sensible loan-to-value
- Realistic repayment plan
- Commercial rationale
A commercial approach
Every opportunity is assessed on its merits. We consider the quality of the UK property security, the proposed exit strategy and the commercial merits of the transaction — not whether it fits a rigid lending policy.
If the security is strong and the proposal makes commercial sense, we’ll consider it.
Have a transaction in mind?
Tell us about your transaction and the property offered as security. We’ll provide indicative terms tailored to your proposal.
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 terms
The terms below are a guide. Every transaction is assessed individually.
One rate. Published.
We don’t quote from a headline rate and add monthly interest later. If your project has no income until completion, we’ll discuss the most suitable repayment structure.
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
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.
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
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
Why these restrictions?
These aren’t commercial preferences. They’re legal requirements.
If a transaction falls outside the exemptions that allow unregulated bridging finance, we simply can’t lend.
That’s why we check these points first, so you’ll know within minutes whether a transaction is eligible.
Important
Indicative terms only. Final terms depend on the opportunity, security and status.
These are indicative terms only and subject to status. Terms will vary depending on the opportunity and security.
How we assess opportunities
We take a commercial view of every transaction
Asset
We look at the quality, location and marketability of the property securing the loan.
Borrower
We consider your experience, track record and circumstances to understand the deal behind the numbers.
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.
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.
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
Nine questions. We do the searching
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1
Eligibility
Three questions tell us if we can lend. If not, you’ll know immediately.
-
2
The deal
Property, loan amount, term and exit. Enough for us to assess the deal.
-
3
The company
Your company number and three things no register can tell us.
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4
Your legal pack
See exactly what you’ll sign and whether anyone needs independent legal advice.
Why we explain the legal pack early
Many bridging loans don’t fail because of the lending decision. They fail because of legal issues such as guarantors, independent legal advice or company documents.
We identify these on day one, so you know what they mean for your timeline before you spend any money.
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 tell us if we can lend. If not, you’ll know immediately.
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Step two
The deal
Property, loan amount, term and exit. Enough for us to assess the deal.
-
Step three
The company
Your company number and three things no register can tell us.
-
Step four
Your legal pack
See exactly what you’ll sign and whether anyone needs independent legal advice.
Why we explain the legal pack early
Many bridging loans don’t fail because of the lending decision. They fail because of legal issues such as guarantors, independent legal advice or company documents.
We identify these on day one, so you know what they mean for your timeline before you spend any money.
Transaction highlights
Recent transactions
We have successfully funded a wide range of bridging loans across England and Wales. Below are a selection of recent transactions we’ve completed.
Industrial investment
Southall, London
Purpose
Investment purchase
Commercial development
Milton Keynes
Purpose
Purchase & development
High street investment
Willesden Green, London
Purpose
Investment purchase
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 lending secured against UK property. It provides fast, flexible funding for a range of business purposes, including property acquisitions, refinancing, releasing capital from property and other time-sensitive opportunities.
What can I use a bridging loan for?
Our bridging loans can be used for a range of business purposes secured against UK property — including property acquisitions, refinancing, auction purchases, refurbishment, development finance and working capital. We lend for business purposes only.
Who can apply?
We lend to limited companies, LLPs, property investors, developers, professional landlords and individuals borrowing for a property business. We lend for business purposes only and never against a home you or your family occupy.
Do you lend throughout the UK?
We lend across England and Wales, secured against commercial, mixed-use and residential investment property.
What loan terms do you offer?
We provide short-term bridging facilities, with terms typically ranging from 3 to 12 months.
How quickly can you provide a decision?
Because we are owner-funded, decisions are made directly by the people providing the capital. Indicative terms can often be provided within 24 hours once we have sufficient information.
Have a transaction in mind?
Tell us about your transaction and the property offered as security. We’ll provide indicative terms tailored to your proposal.