So You Grow Capital

Get indicative bridging terms

  1. 1 Eligibility
  2. 2 The deal
  3. 3 The company
  4. 4 Your legal pack

Step one of four

First, can we lend to you at all?

A few questions. If any answer rules us out, we will tell you here rather than in four weeks' time.

Who is the borrower?

We lend to companies, LLPs, and to individuals borrowing for a property business. Not to unincorporated partnerships.

Is the borrower borrowing in their own right, or as trustee?

No public register records this, so we have to ask. Borrowing as trustee can create a regulated contract, whether the trustee is a company or a person.

Will anyone connected to the borrower live in the property?

Occupation by the borrower, a director, a shareholder or their family makes this a regulated mortgage contract. It is the single most common way a commercial bridge turns into one, and it applies whether you borrow personally or through a company.

Step two of four

The deal.

Enough for us to price it. Nothing we can look up ourselves.

What is the loan for?

Start typing and pick your address from the list. We'll pull the title, tenure, registered proprietor and any existing charges from the Land Registry ourselves.

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Step three of four

The company.

Your number, and the things no register can tell us.

Filled in for you when you pick a company above.

We look these up ourselves — you don't type them

  • Directors, PSCs and shareholders
  • Articles of association
  • Existing fixed and floating charges
  • Registered proprietor and title restrictions

We search Companies House and the Land Registry when your enquiry reaches us, usually the same day.

We confirm both from the register — we ask now only so we can scope your legal pack on the next screen.

Is there any other borrowing secured against the property?

If there is, it needs subordinating to us — a separate deed, and the thing most often discovered at completion instead of at the start.

Who would provide the guarantee?

This is the answer that decides your timeline. A guarantor who isn't the sole owner needs independent legal advice from a separate solicitor — and that is an appointment none of us control.

Step four of four

Here is what this deal looks like.

Indicative only, and subject to underwriting, valuation and legals. But this is the shape of it, and this is what you would be signing.

Your legal pack

Derived from your answers. Your solicitor and ours will confirm it — but nothing below should be a surprise later.

    What happens next

    We run the title, the company and the charges — usually the same day, and then we make a decision. If it works, you get written indicative terms with a timeline built from the pack above. If it doesn't, you get the decision and the reason for it. Either way you have spent nothing.

    Nothing here is an offer of credit. All lending is subject to formal review, underwriting, valuation, satisfactory legal due diligence, documentation and acceptance.