Get quick and flexible business bridging loans UK, designed to keep your company moving forward. If you are looking for business finance in UK, then you can get it from Finance Hub with a loan amount ranging from £5k to £25M, and you get it quickly. We have over 250 specialist lenders and can make lending decisions the same day, offer competitive rates, and fund the loan within 7–14 days. Our fast and reliable bridging loans ensure you can act quickly when opportunities arise and maintain business continuity with confidence.
Looking for fast business finance in London or anywhere in the UK? Finance Hub offers business bridging loans from £5,000 to £25 million, helping companies handle short-term financial pressures or take advantage of time-sensitive opportunities.
Whether you are buying commercial property, covering a cashflow gap, settling VAT or corporation tax, purchasing stock, or waiting on delayed invoices, we make the process simple and fast. With access to 250+ specialist business lenders, we provide same-day decisions and funding in as little as 7–14 days, so you get the capital you need and exactly when you need it.
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Business bridging loans often called business bridge loans, commercial bridging finance, or company bridging loans are short-term, secured funding solutions that help UK businesses access money quickly, usually within 7–14 days. These loans typically run for 1 to 24 months and are designed to “bridge” a financial gap, whether that’s covering costs before income arrives, securing a property before a sale completes, or accessing funds while waiting for longer-term finance.
Unlike traditional business loans that rely heavily on trading history, profit levels, and cashflow forecasts, bridging loans are mainly asset-based. They are secured against property, commercial premises, a director’s residential property, equipment, or other business assets. Because of this, they’re often accessible to companies dealing with short-term challenges, fast growth, or time-sensitive opportunities.
The UK bridging market continues to grow, reaching £822.2 million in 2024, with business and commercial bridging making up a large share. More companies are choosing bridging finance because it offers the speed and flexibility that many high-street banks simply cannot match.
Business bridging finance works very differently from standard business loans or overdrafts. While traditional lenders focus heavily on trading history, cashflow, and long-term affordability, bridging lenders prioritise speed, security, and flexibility. This makes bridging ideal for time-sensitive situations such as property purchases, cashflow gaps, tax payments, or auction investments where funds are needed fast.
Bridging loans are especially useful when traditional business finance isn’t available, when banks take too long, or when a company simply needs temporary funding before moving to a longer-term solution.
| Feature | Business Bridging Loans | Standard Business Lending |
|---|---|---|
| Speed | Funding in 7–14 days | Funding in 6–12 weeks |
| Assessment Criteria | Based on security value and exit strategy | Based on trading history, profit, and cashflow forecasts |
| Eligibility | Accepts startups, loss-making businesses, and complex cases | Typically requires strong trading history and financial stability |
| Loan Term | 1–24 months (short-term) | 1–10 years (long-term) |
| Interest Rates | 0.45%–1.5% per month | 5%–12% per year |
| Purpose | Temporary funding to bridge gaps | Long-term business growth or working capital |
| Repayment Structure | Interest can be rolled up and paid at the end | Monthly repayments required |
| Criteria Strictness | More flexible and focused on assets/security | More strict and focused on affordability |
| Common Uses | Property purchases, tax bills, cashflow gaps, urgent opportunities | Expansion, equipment, long-term investment |
| Security | Usually secured against property or assets | May be secured or unsecured, depending on lender |
Business bridging finance is used by a wide range of companies across London and the UK. Whether it’s to manage cashflow, secure property, or take advantage of fast-moving opportunities, these short-term loans support many different sectors:
For buying or developing business premises
Purchasing stock, managing seasonal demand, or expansion
For equipment upgrades and increasing production capacity
For stock funding, warehouse space, or operational growth
For rapid expansion that requires quick access to capital
Asset-backed finance when trading history is limited or unavailable
For office relocations, equipment, or scaling operations
For refurbishments, acquisitions, and business purchases
At Finance Hub, we offer a wide range of business bridging loan options suitable for every business type. With access to 250+ specialist business lenders, we match your company to the most suitable funding structure, whether you need property-backed finance, asset-based lending, invoice-secured funding, or in some cases, unsecured bridging.
These loans are secured against property either owned by the business or offered by directors as additional security.
Short-term funding designed to support day-to-day business operations, relieve cashflow pressure, or bridge delays in payments.
Specialist bridging finance for urgent HMRC liabilities, helping businesses avoid penalties or enforcement action.
Funding designed for businesses that need to purchase stock, raw materials, or inventory—particularly for bulk buying or seasonal preparation.
Fast-access finance for purchasing or acquiring another business, whether a full takeover or partial ownership change.
Ideal for structured, short-term borrowing with a clear repayment timeline—often aligned with a sale, refinance, or long-term funding plan.
Fill the Application
Application Review
Loan Approval
Funds Released
At Finance Hub, we ensure a transparent and straightforward application process, adhering to the following criteria:
Navigate to the Finance Hub website and access the Bridging Finance section.
Fill out the online application with your details and loan requirements.
Our team evaluates your application and project feasibility.
Once approved, receive your funds quickly.
We provide quick decisions and efficient processing, helping businesses access the funds they need without unnecessary waiting. When time is critical, our streamlined approach ensures you’re never held back.
Our team of experienced bridging finance specialists guides you through every step—from application to repayment. You’ll always have clear advice and dedicated support throughout the process.
We offer transparent terms and competitive interest rates, making short-term finance easier to manage. No hidden fees, no surprises, just straightforward commercial bridging finance.
Every business has different needs. That’s why we take the time to understand your goals and build a funding solution that fits your circumstances, whether simple or complex.
Finance Hub offers bridging loans for commercial property for those who meet the criteria, can afford, and pass the security assessment. When making a bridging finance application, applicants acknowledge that they have read and accepted our Terms and Conditions. The amount of the loan, the interest rate, fees, and repayment terms will vary from case to case and will be based on the property type, valuation, and financial situation.
Bridging loans can be applied to commercial property transactions, refinancing, refurbishment, auction property, and other business-approved uses. Applications will be legally regulated and compliance reviewed before approval and funding. There may be other fees such as valuation, legal, and arrangement fees.
Default may lead to the enforcement of the security or default action. Finance Hub reserves the right to change the terms or rescind loan offers as needed.
1.1 Applicants must meet the specified eligibility criteria, including but not limited to:
● A minimum age of 18 years.
● Project location within the UK (except Northern Ireland at present).
● Submission of accurate and verifiable personal and project information.
1.2 Finance Hub reserves the right to reject applications that fail to meet these criteria or are found to contain incomplete, false misleading information.
2.1 All funding is subject to a comprehensive credit assessment and project evaluation conducted by Finance Hub. Approval is not guaranteed and Finance Hub retains the discretion to approve or deny any application.
2.2 The approval process requires the submission of all requested documentation, including proof of project ownership, development plans and financial records, within the stipulated timeline.
3.1 A first charge security is a mandatory condition for all approved funding solutions.
3.2 Additional security may be required at Finance Hub’s discretion, particularly for projects exceeding standard risk thresholds.
3.3 If the borrower defaults on repayment or fails to meet agreed upon obligations, Finance Hub reserves the right to take possession of the secured property or assets.
4.1 Interest rates and repayment terms will be explicitly outlined in the funding agreement and are tailored to the specifics of the project.
4.2 Any delay or default in repayment will incur additional charges, including penalty fees, as specified in the agreement.
4.3 Changes to repayment schedules must be requested in writing and are subject to Finance Hub’s approval.
5.1 Any misrepresentation, falsification, omission of key information in the application process will result in immediate disqualification of the application.
5.2 If such issues are identified after funding has been disbursed, Finance Hub reserves the right to demand immediate repayment of all funds, along with applicable penalties.
6.1 Applications from non residents of the UK will be considered on a case by case basis and must comply with additional documentation and security requirements.
6.2 Finance Hub reserves the right to impose stricter terms for non resident applicants, including higher interest rates or additional security.
7.1 Funding is limited to projects related to residential, commercial and mixed-use developments, land purchases and renovations, as per the criteria set by Finance Hub.
7.2 Projects must demonstrate feasibility and adherence to local regulations and planning approvals. Failure to meet these requirements may result in withdrawal of funding.
8.1 Finance Hub reserves the right to amend these terms and conditions at any time. Such amendments will be communicated to applicants and borrowers as necessary.
8.2 The funding agreement may be terminated by Finance Hub in the event of a breach of terms, including but not limited to:
● Default on repayment obligations.
● Use of funds for purposes other than those outlined in the agreement.
● Violation of applicable laws or regulations.
9.1 All funding agreements are governed by and constructed in accordance with the laws of England and Wales.
9.2 Any disputes arising from or related to the funding agreement will be subject to the exclusive jurisdiction of the courts of England and Wales.
10.1 Approval of funding and the terms thereof are at the sole discretion of Finance Hub. The company is not liable for any losses incurred due to delays, non approval of other factors outside its control.
10.2 Finance Hub does not provide financial or legal advice. Applicants are encouraged to seek independent advice before entering into any agreement.
We provide tailored funding solutions to help businesses and organizations achieve sustainable growth with confidence.
Our experts help you identify the right funding opportunities and create strategies for long-term development and success.
Loans provide accessible and adaptable financing to help businesses invest in inventory, equipment, expansion projects.
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.
2.1 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.
3.1 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.
4.1 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.
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.
Loan process follows the same steps as mentioned above.
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.
8.1 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
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.
10.1 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.
Secure fast bridging loans for commercial property from £5k to £25M, with quick approvals and funding available between 7–14 days, subject to eligibility.
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.
Business Bridging Loans are versatile and can be used for a range of short-term needs, including property purchases, refinancing, improving business cashflow, funding auction buys, or supporting property development projects. They help you move quickly when timing matters.
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.
Aside from Business Bridging Loans, businesses can explore:
