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Bridging Finance
Bridging Finance in the UK with Finance Hub
Same day finance ups For amounts from £5,000 To £20,000,000
With approvals in as little as 24 hours, we provide tailored finance solutions that help businesses grow and prosper. Secure short term Bridging Finance loans from £5k to £20m and bridge the gap to your business success.
Your Path to Financial Flexibility
At Finance Hub, we specialise in providing tailored Bridging Finance solutions designed to help businesses overcome financial obstacles and grab new opportunities. Whether you need quick access to cash for property investments, business expansion or debt consolidation, our fast and flexible bridging loans are here to support your goals.
How can Bridging Finance benefit you?
Bridging Finance provides a short term funding solution, allowing you to move quickly on property deals, refinance existing loans or secure urgent funds. It is particularly useful for:
● Property purchases
Secure funding to purchase commercial or investment properties without waiting for long term financing.
● Cash flow management
Cover operational expenses, payroll or unexpected costs while awaiting incoming payments.
● Growth opportunities
Invest in new ventures, equipment or stock to drive business expansion.
● Auction purchases
Act quickly on time sensitive property deals by securing immediate funding.
What to expect at Finance Hub?
Our Bridging Finance solutions are designed to provide businesses and investors with a fast, flexible and hassle free funding experience. What makes our financing options stand out:
Quick and hassle free process
We ensure a simple and efficient application process, allowing you to secure funds with minimal paperwork and quick approvals.
Flexible loan amounts
Borrow anywhere between £5,000 and £20 million, tailored to meet your specific funding needs.
Securedand unsecured loan options
Choose between secured and unsecured loan structures based on your financial circumstances and asset availability.
Competitive interest rates
Benefit from highly competitive rates starting at just 0.55% per month, ensuring cost effective financing.
Generous Loan to Value (LTV) ratio
Access up to 75% LTV, allowing you to leverage your assets effectively for maximum funding potential.
Fast access to funds
Receive funds within 24 hours, enabling you to act quickly on urgent investment opportunities or financial needs.
Early settlement flexibility
Repay your loan ahead of schedule without excessive penalties, giving you greater financial control.
Customisable repayment terms
Enjoy repayment flexibility with terms ranging from 3 to 12 months, tailored to suit your financial strategy.
Types of Bridging Finance offered at Finance Hub
We offer a range of Bridging Finance solutions tailored to various needs:
Bridging loans for commercial property
Designed for businesses seeking fast and flexible financing to acquire, develop or renovate commercial properties, commercial bridging loans provide a short term financial boost when traditional funding options may not be feasible. These loans are ideal for investors, developers and business owners needing to secure a property quickly or complete urgent refurbishments.
- ● Fast access to funds for commercial property purchases and refurbishments.
- ● Ideal for businesses unable to secure traditional bank loans in time.
- ● Can be used for office buildings, retail spaces, warehouses and more.
Bridging loans for residential property
A practical solution for property developers, landlords and investors looking to secure short term financing for residential property acquisitions or refurbishments. Whether you need to purchase a buy to let property, renovate a home or bridge a financial gap between property transactions, residential bridging loans offer an effective solution.
- ● Provides quick funding to purchase or refurbish residential properties.
- ● Suitable for landlords, investors and developers working on short term projects.
- ● Helps bridge financial gaps while awaiting mortgage approvals or property sales.
Business bridging loans
A short term financial solution for businesses that need immediate cash flow support, business bridging loans help cover urgent financial needs such as working capital shortages, expansion opportunities or unexpected expenses. These loans provide flexibility and speed, making them a valuable tool for business continuity and growth.
- ● Ideal for businesses experiencing temporary cash flow gaps.
- ● Can be used for expansion, payroll or urgent operational costs.
- ● Short term solution while awaiting long term financing options.
Refinancing bridging loans
Businesses that require immediate funding while transitioning to long term refinancing solutions can benefit from refinancing bridging loans. These loans provide short term liquidity, ensuring that financial commitments are met while waiting for approvals on longer term financing arrangements.
- ● Helps businesses manage financial obligations during refinancing transitions.
- ● Provides a temporary funding solution until long term financing is secured.
- ● Can be used to pay off existing debts or support business growth.
What are the criteria for bridging loans?
Minimum age requirement
18 years old
UK based properties only
Available for properties in England, Wales and Scotland (excluding Northern Ireland at this time)
Applicable property types
Residential, mixed use and commercial properties
First charge requirement
First charge required, but second charge may be considered on referral
Maximum LTV
75% (Can be increased to 100% with additional security)
Eligibility
Available to non residents, UK companies, trusts and some UK residents
Credit profile consideration
All credit profiles will be reviewed
What costs should you expect for Bridging Finance at Finance Hub?
- Valuation fees
A property valuation is required prior to loan approval
- Arrangement fees
Typically 2% of the total loan amount
- Exit fees
Some lenders may charge a redemption fee when the loan is repaid
Steps to apply for a bridging loan
Step 1 Visit our website
Navigate to the Finance Hub website and access the Bridging Finance section.
Step 2 Complete the application form
Fill out the online application with your details and loan requirements.
Step 3 Submit your application
Send your completed application via our website or email.
Step 4 Get a decision in 24 hours
Our team will assess your application and provide a decision within one working day.
Why choose Finance Hub for Bridging Finance?
Fastand flexible
- We offer quick approvals and efficient processing, ensuring that businesses receive the funds they need without unnecessary delays.
Tailored solutions
- Every business is unique and so are our financing options. We work closely with our clients to provide bespoke funding solutions that align with their needs.
Competitive rates
- Our Bridging Finance solutions come with transparent terms and competitive interest rates, making short term borrowing more manageable.
Expert support
- Our team of financial specialists is dedicated to guiding you through the entire process, ensuring a seamless experience from application to repayment.
Terms and condition
1. Introduction
1.1 These Terms and Conditions govern the provision of Bridging Finance services by Finance Hub.
1.2 By applying for or accepting a Bridging Finance loan, you agree to be bound by these terms.
2. Loan amount and availability
2.1 Bridging loans are available from £5,000 to £20,000,000.
2.2 Approval decisions are typically provided within 24 hours.
2.3 Funds may be disbursed within 24 hours after final approval, subject to due diligence.
3. Eligibility criteria
3.1 Minimum borrower age: 18 years old.
3.2 Loans are available for properties located in England, Wales and Scotland (excluding Northern Ireland).
3.3 Eligible property types: Residential, mixed-use and commercial properties.
3.4 First charge is required, but second charge may be considered on a case-by-case basis.
3.5 Maximum Loan to Value (LTV) is 75%, with the potential to increase to 100% if additional security is provided.
3.6 Available to UK residents, non-residents, UK companies and trusts.
3.7 All credit profiles are considered.
4. Loan terms and repayment
4.1 Repayment terms range from 3 to 12 months.
4.2 Early repayment is allowed, with certain options available without early settlement penalties.
4.3 Loans may be secured or unsecured, depending on borrower circumstances.
4.4 Competitive interest rates starting at 0.55% per month.
4.5 Arrangement fees typically 2% of the total loan amount.
4.6 Exit fees may apply, depending on loan terms.
5. Loan uses
Bridging loans may be used for:
5.1 Property purchases (commercial, residential or investment).
5.2 Cash flow management, including operational expenses and payroll.
5.3 Business growth, including new ventures, stock purchases and equipment investments.
5.4 Auction property purchases requires immediate funding.
5.5 Refinancing existing loans while awaiting long-term financing solutions.
6. Loan Process
Loan process follows the same steps as mentioned above
7. Fees and Charges
7.1 Valuation Fees: A property valuation is required prior to loan approval.
7.2 Arrangement Fees: Typically 2% of the total loan amount.
7.3 Exit Fees: Some lenders may charge a redemption fee when the loan is repaid early.
7.4 Other Fees: Any additional charges will be clearly disclosed before the loan agreement is signed.
8. Default and Late Payments
8.1 Failure to make timely repayments may result in additional interest charges and penalties.
8.2 In cases of default, Finance Hub reserves the right to take legal action to recover the loan amount.
8.3 Borrowers are encouraged to contact Finance Hub in advance if they anticipate difficulties in repayment.
10. Legal and Compliance
9.1 Loans are subject to Finance Hub’s approval process and compliance checks.
9.3 Finance Hub complies with all relevant UK financial regulations and lending laws.
9.4 Borrowers may be required to provide additional documentation, including proof of identity, financial statements and security details.
10. Amendments and Termination
10.1 Finance Hub reserves the right to amend these terms and conditions at any time.
10.2 Changes will be communicated via our website or direct borrower communication.
10.3 Finance Hub may terminate a loan agreement in cases of fraud, misrepresentation or breach of contract.
Frequently asked questions (FAQs)
Bridging Finance is a short term loan designed to help businesses and property investors secure funding quickly while arranging long term financing or waiting for other funds to be released.
Funds can be available within 24 hours of approval, depending on the loan type and requirements.
No, we consider all credit profiles, including those with poor credit history.
1- Development Finance Loans are tailored for specific development needs.
2- Bridging Loans are short term funding solutions.
3- Private Investors are funds from venture capitalists or angel investors.
4- Equity Partnerships are shared costs and profits with partners.
5- Conventional Bank Loans are suitable for low risk projects with strong financial profiles.
No, we consider all credit profiles, including those with poor credit history.
Bridging loans can be used for purchasing property, refinancing, business cash flow, auction purchases and property development, among other needs.
We offer a maximum Loan-to-Value (LTV) of 75%, but this can be increased to 100% with additional security.
No, we provide transparent terms with no hidden or excessive fees.
Our bridging loans have flexible repayment terms ranging from 3 to 12 months.
Finance Hub Commercial Mortgage Loans – Fast, Flexible & Tailored to Your Needs
Get in touch with our specialists today to discover the best commercial mortgage loans for your business and budget. Never let slow approvals or limited options hold you back — reach out now and let us help you secure the perfect solution! Contact Us Today
Ready to Bridge the Gap to Your Business Success?
Contact Finance Hub today to explore your Bridging Finance options and secure the funds you need in as little as 24 hours.