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A bridge-to-develop loan is a short-term facility designed to fund land or site acquisition, providing capital until longer-term development finance is arranged.
They can be structured as acquisition finance for sites without planning, or as short-term loans while development approval is secured.
Outline your project scope, timeline, and funding requirements.
Commercial mortgages, bridging loans, or development finance.
To assess risk and determine how much you can borrow.
Review offered terms with loan amount, interest rate, LTV (loan-to-value), and repayment structure.
Funds are released, either as a lump sum or in stages (especially for development projects).
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They allow developers to secure sites quickly, even at auction, without waiting for development finance approval. This flexibility ensures projects don’t stall.
Commonly used for land purchases, securing planning permissions, and preparing for full development funding.
Exit is usually through development finance or resale. Planning status significantly impacts loan terms.
Typically 3–18 months.
Yes, though terms are stricter.
Yes, funds can be released quickly.
Usually development finance or resale.
Preferred, but not always essential.