
Bridging Finance is a short-term funding solution designed to bridge the gap between a financial need and the availability of long-term funding. It is commonly used in property transactions where timing is critical, such as purchasing a new property before selling an existing one. Bridging loans are typically secured against property and are structured to be repaid within a defined period, often ranging from a few weeks to twelve months.
It is beneficial for individuals and businesses facing time-sensitive opportunities. It provides rapid access to capital, allowing borrowers to act quickly in competitive markets. The flexibility of this financial tool makes it suitable for a wide range of scenarios, including auction purchases, property refurbishments, and resolving temporary cash flow issues.
Regulated Bridging Finance is governed by a combination of regulatory oversight and industry standards. The regulatory framework ensures transparency, consumer protection, and responsible lending practices.
Pay NowMost bridging loans are designed to be repaid within six to twelve months. The exact term depends on the borrower’s exit strategy and the lender’s terms.
Yes, Bridging Finance is ideal for auction purchases where completion deadlines are tight. Funds can be arranged quickly to meet the required timeframe.
Unsecured loans are available, especially for working capital and short-term needs. However, interest rates may be higher compared to secured loans.
Regulated loans are for residential properties intended for personal use and are subject to financial oversight. Unregulated loans are for commercial or investment purposes and offer more flexibility
Interest is typically charged monthly and can be paid in advance, rolled up, or serviced throughout the loan term. The structure depends on the agreement with the lender.
Bridging loans are secured against property. The lenders and Bridging Finance brokers will assess the value and equity of the property before approving the loan.
Yes, businesses can use Bridging Finance for commercial property purchases, development projects, or to manage cash flow during transitional periods.