Fast Bridging Loans Banner

Fast Bridging Loans

We arrange seriously fast bridging loans for urgent needs.

Up to £300k in 3 days
Up to £750k in 7 days
More than £750k in 3 weeks

Bad/adverse credit, or even no credit history, isn't a problem as all our loans are secured against your property. We decide on how suitable a loan request is based on your individual situation and requirements. As long as you've the available equity, together with a realistic exit strategy, we're likely to be able to help.

Typically our fast bridging loans are used to settle time-critical short-falls in cash for both commercial and personal needs.

Our Fast Bridging Loan Service

  • Urgent bridging loans from £26,000 to £250m
  • Terms within 1 hour
  • Draw funds in 72 hours
  • For fast property transactions
  • Monthly interest rates from 0.44% pm
    (Lower rates for £700,000+ loans or less than 50% LTV)
  • LTVs up to 80% (up to 100% finance if additional collateral is available)
  • Desktop valuation options reducing survey report time
  • Dual legal representation speeding up legals
  • No monthly payments with interest rolled-up options 
  • Terms up to 24 months

Get a quote

Typical uses for Urgent Bridging Finance

In our experience urgent bridging loans are mainly used as to raise fast funds to solve immediate short-term.

The 4 main reasons uses of a commercial bridging loan is: purchasing property, purchasing land or for business:

1. Purchasing Property

  • Property auction finance for a residential, commercial or semi-commercial investment purchase
  • Fixing a mortgage delay so you don't miss out on a purchase
  • Repairing a potential property chain break

2. Purchasing Land

3. Small Business Bridging Loans

A small business loan, such as bridging loans below £750,000 are used for:

  • Raising finance to pay for an unexpected bill
  • A cashflow loan for smoothing out bumps in working capital
  • Purchasing stock, plant or machinery whilst waiting for debtors to pay
  • Alternative financing when invoice factoring let you down
  • A short-term VAT bridging loan to settle a HMRC bill
  • A loan to settle a corporation tax payment due
  • A fast loan to pay wages that are imminent
  • Avoid bankruptcy or insolvency when you've assets but not enough liquidity

?4. Refinancing an existing loan

Refinance a Bridging Loan when you need more time to exit

Settling other debt based loans

How we can help

We provide a fast reliable service to help you get the finance you need at the best available rates.

We consider all types of credit history including non-status or bad/adverse and don't perform automated credit checks so there's no footprint from enquiring.

Our fast bridging finance can be secured on property in England, Scotland, Wales, Northern Ireland & Europe.

We've an incredible network of lenders who are flexible in their thinking and quick to complete. It's our strong relationships with all the UK's top lenders including specialist lenders, family offices and private investors, enables us to source the bridging loan you require in the time-scale that solves your problem.

Where your timeline is critical and short, we're confident we can get your bridging loan in place. Get your best no obligation quote today.

Call me back

Get a fast, FREE no-obligation 
fast bridging loan quote

Use the quick enquiry below to obtain an accurate cost of a bridging loan.

Fast Bridging Finance Criteria

Loan to value (LTV) Up to 80% maximum 
Loan term 1 to 24 months
Loan amount £26,000 up to £750k
(Higher loan amounts available but take on average more than 3 weeks)
Interest options Rolled-up, retained or serviced
Interest rates From 0.44%
Decision Immediate decision in principle
Completion 3 days for loans under £300k
7 days for loans under £750k
From 3 weeks for loans above £750k
Early repayment fees None
Availability Secured on assets in UK & Europe
Individuals, Companies, SPVs
No credit & adverse credit considered
Exit strategy Sale or refinance

Benefits of urgent bridging loans

The main benefits of bridge lending are their flexibility and their ability to be organised extremely quickly.

The flexibility is a result of the fact that can provide any amount of financing from £26,000 to £200,000 in as little as 3 working days. Whilst larger amounts are available, up to £250m, these can typically take 14 - 28 days to complete. A standard bridging loan should be considered a short term solution meaning the repayment terms are, at most, 24 months.

How much can you borrow with bridging finance?

We offer fast bridging loans of up to 80% loan to value (LTV).

For example, if you want to purchase a property with a quick bridging loan with a market value of £200,000, you need to have £40,000 of your own money as a deposit.

If you want to raise money against the equity in a property you already own then:

  • your existing mortgage,
  • any other debts secured against the property, and
  • the bridging loan amount you want to borrow

...must not add up to more than 80% of the value of your property.

For example, if you own a property worth £350,000, 80% of its value is £280,000. If you have a mortgage on it of £100,000, you could borrow up to £180,000 with one of our expedited bridging loans.

What are fast bridging loans?

Fast bridging loans are a specialist type of bridging loan for people who need to receive funds quickly.

With a standard bridging loan, the whole process from applying to receiving the funds can take up to 10 working days. For large bridging loans of over £1m, it can take up to 20 working days.

With a fast bridging finance, the process is even shorter, normally no more than 3 days.

What is a bridging loan?

A bridging loan is short-term finance whose purpose is to provide you with the funding you need to get from where you are now to where you want to be.

For example, one of the most popular reasons for taking out a bridging loan is auction finance. 

With standard property finance products like a mortgage, you can wait up to three months before you receive funding.

With a bridging loan, the process is much shorter.

And, in addition to raising money for a property purchase, you can request funding to pay for the renovation or refurbishment the property you buy, a request few standard mortgage lenders would accept.

Do I need proof of income for a bridging loan?

No, the majority of bridging lenders don't require proof of income as the loan security is the equity in property and as bridging loans are repaid in one lump sum at the end of their term there's no reliance on a salary to pay back the loan.

How quickly can you get an urgent bridge loan?

As long as the property you intend to have the debt secured against is residential, holds sufficient equity in accordance with the proposed loan amount, and you've a viable exit, your bridge loan request has a good likelihood of being approved quickly. In many cases, for loans up to £300,000 we're able to obtain bridge loan lender approval same day and funding drawdown can happen within 3 days if needed.

Urgent bridging loans are a type of loan that has many uses from simply raising cash, avoiding bankruptcy, stopping repossession, solving a property chain break when buying a property, purchasing land or the purchase of another property or for any project that does not meet the full criteria required by a regular lender. Urgent bridging loans offer clients with the necessary liquidity until such time as such projects come off ground and begin producing an income.

Is urgent 100% bridging finance possible?

Yes, 100% bridging finance is possible however, its all dependant on ensuring you have enough equity in the property or properties you're intending to put up as security for the loan and of course you having a viable exit strategy within the proposed timeframe. Its worthwhile bearing in mind that using multiple properties as collateral may increase the time to complete the loan.

We use cookies. By using the website you agree with our use of cookies. For more information, please read our privacy policy.

Okay, got it!