Bridging loans made simple

Short term property finance to help you buy, build, or complete a project with confidence.

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Or book a free call with a funding specialist.

Max loan-to-value

75% LTV

Monthly rates from

0.60%

Loans ranging from

£25k - £5m

What is a bridging loan?

Opportunities do not always wait for long term funding. A bridging loan gives you short term finance secured on property so you can complete a purchase, start a refurbishment, or solve a time sensitive cash need.

You borrow for a set period and repay from sale or refinance when your exit is ready.

Bridging is widely used by investors, developers, and trading businesses. It can complete quickly when valuation and legal work are in place, and it is flexible on property types and scenarios.

We explain each step in plain English and match your case to lenders who understand your project and exit.

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Types of bridging loans

There are a range of bridge loans, namely: open bridging loan, closed bridging loan, first charge bridging loan, and second charge bridging loan.

Purchase bridge and chain break

Complete a purchase while waiting for funds from a sale or longer term finance.

Auction finance

Meet tight completion deadlines with funds arranged in days, subject to valuation and legal work.

Sale and hire purchase back

Sell the asset to the lender and hire purchase it back, releasing cash today with a path to regain title at the end.

Balloon or term refinance

Refinance a final balloon or extend the term to smooth monthly payments.

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Common uses of bridging loans

Boosting working capital for stock, payroll, or marketing
Funding deposits for new contracts or projects
Clearing expensive short term borrowing
Managing HMRC VAT or corporation tax bills
Supporting acquisitions, refits, or growth plans
Extending the life of equipment without a large upfront outlay

Alternatives to asset refinance

If refinancing isn’t right, consider an unsecured business loan, invoice finance, or short-term bridging, whichever best fits your cashflow and purpose.

Revolving credit facility or overdraft

Draw, repay, and draw again for short term needs with interest only on funds in use.

Asset finance for new purchases

Acquire new kit with hire purchase or lease when you want additional capacity.

Invoice finance

Release cash from unpaid invoices if you sell business to business.

Business loan

A set amount with a clear term and regular monthly repayments, useful for broader projects.

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Key asset refinance info

How much you can release
Advances are linked to an agreed asset value and the asset type. Lenders fund a sensible percentage which varies by age and resale strength.

Rates
Pricing depends on asset quality, deposit if any, term, and credit profile. Because the facility is secured on the asset, rates can be keener than many unsecured alternatives. We show total cost in pounds before you proceed.

Terms
Common terms range from twelve months to five years. Some hard assets can qualify for longer terms.

Valuation
Desktop, photographic, or physical inspections may be used. We will tell you exactly what the lender requires and help you prepare.

Speed
Straightforward cases can receive an offer quickly. After checks and e signing, funds are released and any existing charges are settled.

Process

Quick fact find and asset list
Indicative valuation and tailored options
Approval, settlement of existing finance if needed
Electronic documents
Funds released

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Asset finance vs asset refinance

Asset finance funds the purchase of new/used kit (HP/lease), spreading cost over the asset’s life; asset refinance raises cash against kit you already own (or tidies multiple agreements) using the asset as security.

Choose asset finance for acquisitions and cash preservation; choose refinance to unlock working capital or reduce monthly outgoings.

Docs differ: finance needs a supplier quote/spec; refinance needs proof of ownership/settlement (plus 6 months’ bank statements for both).

With complete docs, we usually present clear, side-by-side options within 48 hours (case- and lender-dependent).

Who is eligible for asset refinance

Trading history
Many lenders consider applications from six to twelve months of trading and beyond. Stronger cases can be considered sooner.

Asset profile
Vehicles, HGV, plant, agricultural and construction machinery, printing and engineering equipment, medical and laboratory items, and other hard assets. Lenders check age, condition, and resale strength.

Equity position
You will usually need a sensible level of equity in the asset. The advance is linked to an agreed value.

Existing finance
Current agreements can often be refinanced or consolidated. Settlement figures are arranged as part of the process.

Credit profile
Personal and business credit are reviewed alongside trading performance. Strong assets can help offset past blips.

Security and guarantees
The asset is the primary security. A personal guarantee may be requested.

Documents
Photo ID, recent bank statements, latest accounts or management information, proof of ownership or settlement letters, supplier invoice if recent, and images or details of the asset.

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Asset refinance FAQs

What is asset refinance?

It is funding secured against equipment or vehicles you already own, releasing cash while you keep using the asset.

Which assets can I refinance?

Advance rates often sit around seventy to ninety percent of the invoice value, with the rest paid when funds are received from your customer.

Do I need to own the asset outright?

Not always. We can often refinance items with existing agreements by settling the balance as part of the process.

How much can I release?

The advance depends on the asset value, age, and condition. Lenders fund a sensible percentage, and we will show clear figures before you proceed.

How are assets valued?

Lenders may use trade guides, desktop checks, photos, or a physical inspection. We will confirm what is needed and help you prepare.

What does it cost?

Pricing depends on asset quality, term, and profile. We present the total cost in pounds with all fees explained in plain English.

How long does it take?

Simple cases can move quickly once documents and valuation are complete. We keep you updated at every step.

Will I still use the asset?

Yes, you continue to operate the asset during the agreement, subject to the contract terms.

Is a personal guarantee required?

A personal guarantee may be requested. The asset is usually the primary security.

Can I settle early?

Early settlement is often possible. We will explain any fees or steps before you sign.

Can start-ups apply?

Strong assets and clear plans can help newer businesses. We will assess your case and advise on suitable options.

What documents will I need?

Photo ID, recent bank statements, latest accounts or management information, proof of ownership or settlement letters, and details or images of the asset.