Bridging Loans

Short-term funding to bridge financial gaps.

1

Complete the form

Answer a few questions for us to understand your business' needs

2

We compare 100+ lenders

We will advise which options could be suitable for your business

3

You choose the offer that best suits you

We'll present any offers available for your business. You choose the one that best suits your business.

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Please note the minimum requirement is £5,000.

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What is a Bridging Loan?

A bridging loan is a short-term funding solution designed to ‘bridge’ the financial gap between an immediate need for capital and the availability of longer-term funding. Commonly used in property transactions, it provides quick access to cash to secure a purchase or cover urgent costs.

Types of Bridging Loans

Bridging loans can be categorised into open bridging loans, where no fixed repayment date is set, and closed bridging loans, which are repaid on a specified date. They can also be used for residential or commercial property purposes.

Define the Project

Outline your project scope, timeline, and funding requirements.

Choose the Right Finance Type

Commercial mortgages, bridging loans, or development finance.

Get a Property Valuation

To assess risk and determine how much you can borrow.

Apply and Secure Terms

Review offered terms with loan amount, interest rate, LTV (loan-to-value), and repayment structure.

Draw Down Funds and Manage Repayments

Funds are released, either as a lump sum or in stages (especially for development projects).

Compare Property Finance Deals Today

At Compare Property Finance, we make it easy to compare property based lending options from leading UK lenders.

Whether you're looking for commercial mortgages, property development finance, bridging loans, buy-to-let mortgages, or any other type of property funding, our specialised partners, expert business finance brokers, help you find the best deal for your business, saving you time, money, and hassle.

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Quick online quotes

Transparent fees and terms

Wide range of finance providers

No-obligation comparisons

Benefits of Bridging Loans

The main advantage is speed, with funds often available within days. They provide flexibility, allowing borrowers to act quickly on opportunities such as property auctions, investment purchases, or urgent refinancing needs.

Ideal for property developers, investors, and homeowners who need rapid funding to secure a purchase before selling an existing asset. They are also used in chain-break situations, property auctions, and time-sensitive investments.

Things You Need to Know

Interest rates are typically higher than standard loans, and terms are usually short, ranging from a few weeks to 18 months. Clear repayment plans, such as property sales or refinancing, are essential.

FAQs

How fast can I get a bridging loan?

Funds are often released within 5–10 days.

Do I need a repayment strategy?

Yes, lenders require a clear exit plan.

Can I get 100% funding?

Usually not, a deposit or equity is required.

Are credit checks involved?

Yes, but asset value is often more important.

Can bridging loans be used for businesses?

Yes, for commercial property and investment needs.

Disclaimer: Compare Property Finance helps UK firms find the right finance credit broker for access to business finance. Compare finds credit brokers, not lenders. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  

This website is operated by Spark Finance. Spark Finance Ltd (Registered office - 18 John Stow House, London, England, EC3A 7JB, Registered Number 10128297) helps UK firms access business finance. Spark is a credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  Spark Finance may receive commission from lenders  which may vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority in the UK (FRN 958123).