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Bridging finance is a short-term loan, secured against property or land and is used to bridge the gap, until longer-term finance can be arranged or the underlying security is sold.
The key to the success of a bridging loan is to ensure that a viable exit strategy is firmly in place upon application.
Types of bridging loan include 1st, 2nd and 3rd charge loans on any type of property:
- Semi commercial
- Land (with planning permissions)
Request a call back from our qualified financial adviser
Commercial finance covers a broad spectrum of lending, but the most common areas include:
- Owner occupied/trading businesses
- Commercial investment
- Residential investment loans
- Asset finance for businesses that require financial fluidity
Owner occupied property/trading business
Commercial mortgages for owner occupied property are aimed at trading businesses looking to purchase or refinance their own premises. They can cover a variety of property types such as retail units, offices, factory units or any commercial premises used by the business.
Commercial investment loans cover commercial or mixed-use properties that are being purchased for rental return and capital gain. Lending can be against any type of commercial property (offices, shops, industrial units etc.).
Residential investment loans cover larger or more complex residential properties that are being purchased for rental return and capital gain. Lending can be against any type of multi-unit residential property such as apartment blocks, HMO’s, student lets or portfolios.
Non-property lending can be arranged on business assets such as vehicles, machinery, equipment etc. Terms vary according to the business and asset types. Cash flow finance is based on invoice / balance sheet items.
The development finance sector has moved on a great deal in recent months and funding is now available from mainstream banks, merchant and investment banks, private lenders and specialist investment funds. Each of the lenders will have their own credit assessment criteria and we use our knowledge and market experience to match the clients’ requirement to the best loan product available.