Bridging Loans

Fast Funding for Property Deals

Whether you’re purchasing a property at auction, funding a time-sensitive development, or need to act before a traditional mortgage completes, bridging finance delivers fast, short-term capital.

Find your funding

Quick Snapshot

Borrowing Range

£50,000 – £25,000,000+

Term

1 – 24 months

Typical Rate

0.7% – 1.5% per month

Security

1st or 2nd charge over property

Security

Acquisition, refurbishment, auction, chain break, commercial purchases

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What Is a Bridging Loan?

A bridging loan is short-term property finance secured against residential, commercial, or mixed-use assets. It’s designed to fill a temporary funding gap before a sale, refinance, or other liquidity event.
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You receive a lump sum upfront and usually repay at the end of the term with rolled-up interest. It’s ideal for scenarios where speed and certainty are critical.

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Why Use Bridging Finance?

Complete purchases fast, including auction deals
Secure funding during mortgage delays or chain breaks
Unlock equity for refurbishments or business use
Cover commercial acquisitions and time-sensitive opportunities
Use cross-charges to access more capital
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Why Choose Venture Debt?

Pay suppliers faster without upfront outlay
Scale orders without cashflow strain
Tap early payment discounts
Fund cross-border trade in multiple currencies
Smooth seasonal or bulk order cycles
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Is it right for me?

Best when you:
Have equity in an asset and a clear exit plan
Need speed and flexibility for a short-term need
Think twice if:
Have no defined repayment route or exit
Cannot manage rolled-up interest or arrangement fees

How It Works

Asset identified and valued

Funds released after legals and due diligence

Loan repaid via sale, refinance, or other exit strategy

Freqently asked questions

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How fast can I access the funds?

Most deals complete within 3 to 10 working days depending on legals and valuation

What kind of properties qualify?

Residential, commercial, mixed-use, and some development sites with planning

Do I pay monthly interest?

Not always. Rolled-up or retained interest is common and repaid at the end

Can I get 100% LTV?

Usually not without additional security. Most lenders want 60–75% LTV

Will this impact my mortgage?

Potentially. We’ll structure the facility to avoid conflicts with senior debt

Ready to Secure Short-Term Property Finance?

Find Your Funding