Bridging Loans: How They Work and What to Compare
Bridging loans are short-term secured finance — typically 1 to 24 months. Compare multiple lenders through Tide Funding Options before committing to a rate.
Independent guide
Independently assessed
Rates verified 21 April 2026
- Tide Funding Options compares residential and commercial bridging loans from specialists.
- One application reaches multiple bridging lenders without affecting your credit file.
- Suitable for auction purchases, chain breaks, and refurbishment finance.
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The cheapest headline rate rarely wins on a bridge. What matters is the combined cost of interest, arrangement fee, exit fee, valuation and legal work over the actual months you hold the loan, plus how credible your exit looks to the underwriter.
We compare lenders on total cost and exit fit, not monthly rate alone. The lenders below are the ones most used by UK borrowers for auction purchases, chain breaks, refurb projects and short-term commercial deals.
All Cards at a Glance
Compare key features side by side.
| Provider | Best For | Key Feature | Annual Fee | Action |
|---|---|---|---|---|
|
Tide Funding Options Best Marketplace |
Businesses wanting to compare multiple funding types in one place | Check provider | Varies by product | View Deal → |
 Octopus From 0.55%/month |
Property investors and developers wanting institutional bridging with no exit fees and second charge capability | Check provider | From 0.55%/month | View Deal → |
 Precise No Exit Fees |
Borrowers who want fee-free AVMs and dual legal representation to complete fast | Check provider | From 0.57%/month | View Deal → |
 United Trust FCA + PRA Regulated |
Larger bridging transactions needing a fully FCA and PRA authorised lender with flexible entity structures | Check provider | From 0.57%/month | View Deal → |
 MHBS 5-Year Terms |
High Net Worth borrowers wanting extended regulated bridging terms up to 5 years | Check provider | From 0.57%/month | View Deal → |
 LendInvest 85% LTV Refurb |
Professional property investors needing institutional bridging with multiple product tiers | Check provider | From 0.60%/month | View Deal → |
 Glenhawk No Exit Fees |
London-based investors needing regulated or unregulated bridging on commercial, mixed-use, or land with planning | Check provider | From 0.61%/month | View Deal → |
 Funding 365 Stepped Rate Option |
Property investors needing unregulated bridging on investment, commercial, or semi-commercial property with no exit fees | Check provider | From 0.64%/month flat | View Deal → |
 Streambank Adverse Credit |
Borrowers with adverse credit, re-bridging needs, or second charge requirements who need a flexible underwriter | Check provider | From 0.65%/month | View Deal → |
 Octane Capital 100% Refurb Costs |
Developers and investors wanting 100% of refurbishment costs funded alongside 75% net LTV on the property value | Check provider | From 0.73%/month | View Deal → |
 HTB Up to £25m |
Property investors and developers needing large unregulated bridging above £2m, including developer exit facilities | Check provider | From 0.75%/month | View Deal → |
 Castle Trust 80% Net LTV |
Investors needing maximum leverage — up to 80% net LTV — on heavy refurbishment projects | Check provider | From 0.75%/month | View Deal → |
 MT Finance No Credit Scoring |
Borrowers with adverse credit, CCJs, or arrears who need asset-based bridging without credit scoring | Check provider | From 0.90%/month | View Deal → |
Data verified April 2026 via Gemini Deep Research from primary lender sources. Monthly rates shown are indicative starting rates — your rate depends on LTV, security type, credit profile, and chosen product. Always obtain a written quote before committing. Tide Funding Options is a marketplace — matched lender rates may differ.
Tide Funding Options
Octopus Bridging Loans
Precise Mortgages Bridging Loans
United Trust Bridging Loans
MHBS Bridging Loans
LendInvest Bridging Loans
Funding 365 Bridging Finance
Streambank Bridging Loans
Octane Capital Bridging Loans
Hampshire Trust Bank Bridging Loans
Castle Trust Bank Bridging Loans
MT Finance Bridging Loans
What is a bridging loan?
A bridging loan is short-term secured finance, usually against property, designed to cover a gap between a payment you need to make now and a larger sum of money arriving later. Terms run from one to twenty-four months. Most residential bridges settle inside six to twelve.
Interest is charged monthly, not annually. That small distinction is where borrowers get stung.
A 1% monthly rate looks modest. Compound it across twelve months on a rolled-up facility and you land closer to 12.7%. On a £200,000 facility that is roughly £25,400 of interest, not £24,000, before fees or legals are anywhere near the table.
The lender is not assessing your income the way a mortgage provider does. They are lending against the asset and against your plan to repay, known as the exit. If either is weak, the application fails regardless of how the numbers look on paper.
How do bridging loans work?
You borrow a lump sum secured against a property you own or are buying, agree a repayment date, and settle the loan in full on that date using the proceeds of your exit. Interest is usually rolled up and paid with the capital at the end, though serviced options exist.
The property is valued, a solicitor handles the legal charge, and funds release once the lender is satisfied with the security and the exit plan. We see clean files with straightforward properties complete in two to three weeks.
If you repay early, most lenders charge only the interest for the months you actually used the money, with a minimum of one to three months.
That flexibility is why we see borrowers choose bridging even at a higher rate — the cost of the loan is less than the cost of losing the deal.
Who are bridging loans for?
Bridging suits borrowers who need speed, have a defined exit, and understand the asset they are buying. That typically means property investors, developers, landlords, and owner-occupiers caught in a timing problem a mortgage cannot solve fast enough.
It is a poor fit for anyone without a credible repayment route. Selling a property in a soft market with no offer on the table, or refinancing onto a mortgage not yet approved, is not a plan that holds up to lender scrutiny.
Lenders like borrowers with property experience, visible equity, and a written exit. First-time applicants are not excluded, but we find the underwriter questions are sharper: evidence of the purchase chain, a named solicitor already instructed, and sometimes a 5% LTV pullback compared to a repeat borrower on the same deal.
We have seen experienced landlords waved through on an AIP in a day, and first-timers with the same LTV asked for twelve months of bank statements and a written exit walkthrough before an offer lands.
What can bridging loans be used for?
Bridging is flexible in what it funds, but narrow in how it is underwritten. The security and the exit always come first.
What follows are the situations where a bridge genuinely earns its cost, and where we have seen deals come apart when the detail was not pinned down.
Buying property at auction
Auction purchases complete in 28 days. A residential mortgage rarely moves that fast, especially if the property is unmortgageable in its current state, which is common at auction.
A bridge covers the purchase, you refurbish, and you either sell or refinance once the property is lettable or habitable.
Build the interest and fees into your deal appraisal before you bid, not after. We have seen buyers win the lot then discover the rolled-up interest and arrangement fees wiped out two months of profit on a flip.
The other ambush is the valuation. Auction lots sometimes come in below the hammer price on the lender’s valuation, which forces your LTV up and can put the rate band out of reach. Budget for a 5% down-value as your base case.
Renovation and refurbishment
Properties that need structural work, a new kitchen and bathroom, or major damp treatment often cannot be mortgaged. A bridge funds the purchase and sometimes the works, and you refinance once the property meets lender criteria.
Heavy refurb may need a refurbishment bridge or a light development loan instead, with staged drawdowns. If the scope is bigger than a cosmetic uplift, ask the lender which product fits rather than forcing a standard bridge around the job.
The friction point we see most often is the EPC. A lender can issue an AIP on a light refurb, then decline at offer stage because the property sits at EPC F or G.
The exit BTL lender will not take it below E without works evidence. Get the EPC rating and the exit lender’s minimum band in writing before you commit to the bridge.
Purchasing land
Land with planning permission can be secured with a bridge while a development finance facility is arranged for the build. Land without planning is harder. Lenders discount the value significantly, and a meaningful number will not lend at all.
Expect LTVs of 50 to 60% on land rather than the 75% available on built property. The illiquid security and the risk that planning timelines slip both push the lender back.
We have seen lenders apply a further 10 to 15% haircut to the valuer’s figure when planning is time-limited or conditional on a s.106 agreement that has not been signed. That gap between valuation and lendable value catches first-time land buyers routinely.
Fixing a broken property chain
When your buyer pulls out and you risk losing the property you are moving into, a bridge lets you complete the purchase and sell your existing home afterwards. This is one of the few occasions a regulated bridge applies, because you will occupy the new home.
The exit is the sale of the old property. If that sale is dragging, a bridge buys time but does not fix the underlying demand problem. Price the property to sell before you borrow, not after the bridge has been drawn and the meter is running.
Buy-to-let property
Investors use bridges to buy BTL stock that needs work before it meets minimum rental standards, then refinance onto a buy-to-let mortgage once the property is lettable and has an EPC rating that satisfies the lender.
The stress test on the exit mortgage is the number that matters. We always recommend modelling rent at the lender’s stressed rate, not at today’s pay rate, before you commit to the bridge.
Commercial property
Offices, retail units, warehouses and mixed-use buildings can be purchased on a commercial bridge. Rates run a touch higher than on residential, and LTVs a touch lower, reflecting the thinner resale market.
Commercial bridges are nearly always unregulated, which means the loan moves faster but the consumer protections that apply to owner-occupied residential lending do not apply here.
Property development
A bridge can fund the land purchase and early-stage costs, with a separate development facility funding the build. Some lenders combine both into one product. Others prefer a clean handover from bridge to development loan.
Exit on a development is the sale of units or a term refinance. Underwriters will not move without a realistic GDV, build cost schedule, a named contractor with PI cover, and a written programme.
The killer detail borrowers underweight is the contractor. Underwriters push back hardest when the main contractor is a new limited company with no filed accounts.
They also push back on programmes showing completion inside 10 months on a scheme that realistically runs 14. Pad the programme, name the contractor properly, or expect the deal to stall.
Divorce or legal settlements
Where a settlement requires one party to buy the other out of a jointly owned property, a bridge can release equity quickly while a longer-term remortgage is put in place. Courts and solicitors are familiar with the structure.
The exit is usually the remortgage in the remaining owner’s sole name. Confirm sole-name affordability with a broker before drawing the bridge, not after.
What catches settlements out is the consent order timing. Lenders want sight of the sealed order before release.
We have seen bridges sit on hold for three to four weeks while the court lists a hearing. If the settlement is mid-proceedings rather than finalised, tell the lender on day one.
What are the different types of bridging loans?
The labels below describe two things: how certain your exit is, and where the lender sits in the queue if the property is repossessed. Both affect the rate you pay and the LTV you can get.
Open bridging loans
An open bridge has no fixed repayment date, only a maximum term, usually capped at twelve months. You use it when your exit is likely but not yet contractually locked in, for example a property on the market but not under offer.
Rates are higher because the lender carries the uncertainty of when, or whether, the exit materialises. If you can convert your exit into a signed contract before borrowing, a closed bridge will cost less.
Closed bridging loans
A closed bridge has a specific repayment date tied to a known event, most often exchanged contracts on a sale or a mortgage offer in place. The lender knows when the money is coming back, and prices accordingly.
If your exit is genuinely pinned down, always ask for closed-bridge pricing. The discount over an open bridge is real.
Fixed-rate bridging loans
The monthly rate is fixed for the term. Cash-flow certainty is the benefit, especially on short, roll-up deals where the total interest bill is known from day one.
Most UK bridges are fixed. Unless you have a specific reason to track a benchmark, fixed is the default to compare against.
Variable-rate bridging loans
Variable bridges track a reference rate such as Bank of England base rate plus a margin. They can be cheaper in a falling-rate environment and more expensive in a rising one.
Over a twelve-month bridge, the difference rarely swings the decision. We only suggest variable if you have a genuine view on rates and the cash flow to absorb a move against you.
First charge bridging loans
A first charge means the bridging lender is first in the queue against the property if it is repossessed. Most first-charge lenders cap at 75% LTV, occasionally stretching higher with additional security.
If the property is mortgage-free, or you are redeeming the existing mortgage with the bridge, this is the product you are using.
Second charge bridging loans
A second charge sits behind an existing mortgage. The lender is subordinate in a default, so LTVs are tighter, typically 65 to 70% of combined value, and rates are a little higher.
Second charge is useful when remortgaging would trigger an early repayment charge larger than the extra cost of a second-charge bridge. We recommend running the numbers both ways before committing.
How much can I borrow with a bridging loan?
The cap is the lower of what the LTV allows and what your exit can repay. First-charge lenders will typically go to 75% of the property value. Second-charge lenders usually stop at 65 to 70% of the combined value, because their security sits behind the existing mortgage.
On a £400,000 property with no mortgage, a first-charge lender at 75% LTV will lend up to £300,000. The same property with a £200,000 mortgage leaves £200,000 of equity, and a second-charge lender at 70% of combined value would cap the new loan at £80,000.
Minimum loan sizes start around £25,000 to £50,000 depending on lender. At the top end, we include lenders like Octopus Bridging that write loans up to £25 million for experienced borrowers with strong assets.
How long does it take to get a bridging loan?
“Same-day bridging” is marketing language for indicative terms, not funds in your account. What happens in a day is a lender confirming, in principle, that they will consider the deal at a rate.
A formal offer typically lands one to three days after the valuation. Legal work and completion then add one to four weeks depending on property complexity, title issues, and how quickly your solicitor responds.
Two to three weeks from application to funds is realistic on a clean file. Anything faster usually means a lender who already knows the borrower, or a desktop valuation rather than a physical inspection.
What is the repayment period for a bridging loan?
Terms range from one month to twenty-four, with most residential bridges settling between six and twelve months. Commercial and development bridges sometimes run longer.
You can repay early on nearly every UK bridge, usually after a minimum interest period of one to three months. After that, you pay only for the months you have used.
If your exit lands at month four on a six-month facility, you pay four months of interest, not six. We always confirm early repayment terms with lenders before making a recommendation.
Overrunning the term is the expensive scenario. Extension rates are higher than the headline rate, and if the lender refuses to extend, you move onto default interest that can double the cost quickly.
What does a bridging loan cost?
The monthly rate is one line in a bill with five or six entries. On a £200,000 loan at 0.85% a month over six months: interest £10,200, arrangement fee at 1.5% is £3,000, exit fee at 1% is £2,000, and valuation around £600.
That comes to about £15,800 before legal fees. We find most borrowers do not factor those in until the solicitor invoice arrives.
Legal fees on both sides, yours and the lender’s, typically add £1,500 to £3,000 on a straightforward deal. So the real all-in cost on a £200,000, six-month bridge is closer to £17,000 to £19,000, not the £10,200 of pure interest.
That total number is what you should compare between lenders. A headline rate of 0.79% with a 2% arrangement fee often costs more than 0.85% with a 1% arrangement fee on a short hold.
One more ambush: the wrong solicitor. A general conveyancing solicitor unfamiliar with bridging law will sit on undertakings they are unsure about and query standard charge wording.
We have seen this add two to three weeks to an otherwise clean deal. Use a solicitor on the lender’s panel, or one with visible bridging completions, and confirm it before instruction.
Interest rates
Monthly rates on the lenders we track start from 0.55% with Octopus Bridging at the institutional end, with Precise and United Trust sitting close behind at 0.57%. The top of the range reaches 1.50% and above at the specialist adverse-credit end.
Those sub-0.60% rates are not the rate most borrowers get. They apply at low LTVs, often 55 to 60%, on clean residential security with experienced borrowers.
We find the typical quote on a clean 70 to 75% LTV residential deal sits in the 0.75% to 1.10% range once the lender has priced for the LTV band, property type, and exit.
If you are quoted materially below that on a standard deal, read the offer carefully. Stepped rates that start low and jump after month three are common at the cheaper end.
Arrangement fees
Arrangement fees are typically 1 to 2% of the loan and are usually deducted from the advance, which means you borrow £200,000, sign the paperwork, and £196,000 to £197,000 hits your account.
Factor this into the amount you borrow. If you need £200,000 net for a purchase, you are asking the lender for £203,000 to £204,000 gross.
Valuation fees
Valuation fees run £300 to £1,500 depending on property value and complexity. Commercial and mixed-use properties sit at the top of that range, standard residential at the bottom.
You pay the valuer directly, and the fee is non-refundable if the deal falls through after the valuation is booked.
Exit fees
Exit fees are charged on redemption and range from 0 to 2% of the loan. Funding 365 charges zero. Most lenders charge around 1%. A 1% exit fee on £200,000 is £2,000, paid on top of your final interest payment.
If two lenders quote the same monthly rate but one has no exit fee, that lender is materially cheaper. We look at the exit fee as one of the most overlooked lines in a bridging quote.
Legal fees
You pay your own solicitor and the lender’s solicitor. On a straightforward deal, combined legal fees land between £1,500 and £3,000, with the lender’s fee quoted upfront in the offer.
Complex titles, leasehold properties, unusual covenants or cross-charges push this up. Ask for a worst-case estimate before exchange, not after.
How to compare bridging loans
We recommend running every quote through the same five-question filter. The cheapest headline rate is rarely the cheapest total cost once fees, LTV and completion speed are weighed in.
Interest rates
Always compare the monthly rate on the same LTV band and the same term. A 0.75% rate at 60% LTV is not comparable to a 0.95% rate at 75% LTV. Ask each lender for a quote at the exact amount and term you need.
Fees
Add the arrangement fee, exit fee, valuation and lender legal fee to the interest bill. That total divided by the loan gives you a true cost percentage. Rank lenders on that number, not on the monthly rate.
Loan-to-value (LTV)
If you need to borrow close to the lender’s cap, the rate you are quoted will usually be higher than the lender’s advertised rate, which applies at lower LTVs. Push the LTV down and the rate often drops.
First charge caps at 75% on most lenders. Second charge caps at 65 to 70% of combined value. Land is lower again.
Speed of approval
If you need completion in two weeks for an auction deadline, the lender who writes slightly higher rates but turns cases around fast is worth more than the cheap lender with a four-week queue. Ask each lender for their realistic timeline on a deal like yours, not their marketing timeline.
Exit strategy
Across the deals we have reviewed, lender declines cluster around weak exits rather than adverse credit.
A credible exit is a sale with exchanged contracts, a BTL AIP with the property address on it, or a documented development sale with GDV, contractor, and build programme in place.
Vague plans to sell when prices recover do not qualify. Underwriters we speak to say the single phrase that kills applications is “we will list it after completion” with no agent, no price, and no marketing plan.
If you have two potential exits, tell the lender both. A primary exit plus a documented backup reads as lower risk and often shaves 0.05 to 0.10% off the monthly rate on the same LTV band.
What are the pros and cons of bridging loans?
Is a bridging loan right for me?
A bridge is right when three things are true. You need funds faster than a mortgage can deliver. You have a credible, documented exit inside the term. And the total cost is outweighed by the value of completing the transaction on time.
It is wrong when the exit is speculative, when a mortgage or remortgage could land in time, or when the underlying deal only works at zero finance cost. If a 1% monthly bridge turns a profitable property deal into a break-even one, the margin was already too thin.
We use a simple test: write down your exit, the evidence for it, and the date. If a cautious friend would not lend you the money on that plan, a bridging lender probably should not either.
Can I get a bridging loan with bad credit?
Yes, and more easily than with most mainstream finance. Specialist lenders like MT Finance do not credit-score in the traditional sense. CCJs, defaults and arrears are assessed in the context of the asset and the exit rather than automatically declined.
You will pay for the risk. Expect rates at the upper end of the range, often 1.10% a month and above, and LTVs pulled back by five to ten percentage points. Arrangement fees are sometimes higher too.
The exit still matters more than the credit file. Across the adverse-credit cases we have tracked, a documented exit clears underwriting far more often than a clean credit file paired with a vague plan.
Two cases last year with active CCJs got offers inside a week. The exit property was already under offer with contracts out. That is what underwriters are looking for.
How to get a bridging loan
Start with the exit, not the loan. Write down how you will repay, the date you expect the money, and the evidence behind both. That document is the spine of your application.
Next, confirm the property type, the LTV you need, the term, and whether the loan is regulated. Regulated means you or an immediate family member will occupy the property. Unregulated means investment or commercial use. The lender pool is different for each.
We suggest approaching a specialist broker or a comparison service like Tide Funding Options to quote multiple lenders on the same deal. Compare total cost, not monthly rate.
Once you accept terms, instruct the valuation, appoint a solicitor experienced in bridging (ask for two recent bridging completions on their file before instruction), and keep your paperwork ready for the lender’s queries.
Typical documents: ID and proof of address, three to six months of bank statements, a one-page asset and liability summary, and hard evidence of the exit — sale memorandum, AIP with property address, or development appraisal with contractor costings.
Add title documents and the EPC for the property being charged. Underwriters come back fastest when all of this is in one folder on day one.
What are the alternatives to a bridging loan?
Bridging is not always the right answer. Four alternatives solve overlapping problems, sometimes at lower cost, if the timeline allows.
Be aware that two of the four have shrunk as options in recent years. Mainstream remortgage service levels have stretched out.
The UK retail peer-to-peer property lending market has also contracted sharply since 2020. Lendy, FundingSecure, and Zopa’s P2P arm have exited or closed to retail lenders. The pool of usable P2P property options is materially smaller than older guides suggest.
Second mortgage
A second mortgage sits behind your existing first mortgage and releases equity on a longer term, often fifteen to twenty-five years, at a rate materially below a bridge. It suits borrowers who need the money for longer than a bridge allows and do not face an auction-style deadline.
The approval timeline is weeks rather than days, so it does not work for a 28-day completion. Use it when time is on your side.
Personal loan
For smaller sums, up to £25,000 to £35,000 with high-street lenders, an unsecured personal loan can be cheaper than a bridge and does not put property at risk. Rates depend on credit score and affordability.
It does not scale to property-level sums, and lenders often restrict what the money can be used for. Check the loan purpose before applying.
Remortgage
A remortgage or further advance on an existing property releases equity at mortgage rates, which are a fraction of bridging rates. We find this nearly always beats a bridge on cost when you have six to eight weeks and the affordability stacks up.
Where it fails: when the property is unmortgageable in its current state, when you need to complete before the remortgage can land, or when early repayment charges on the existing mortgage wipe out the saving.
Peer-to-peer loan
Peer-to-peer property lenders offered secured short-term loans at pricing that sometimes sat between a mainstream mortgage and a bridge. Completion times were generally slower than a specialist bridge but faster than a high-street remortgage.
The UK retail P2P property lending market has contracted significantly since 2020. FCA rule changes in 2019 restricting retail promotion, combined with platform failures and strategic exits (Lendy administration, Zopa’s exit from P2P, FundingSecure collapse), have thinned the usable lender list to a handful of institutional-backed platforms.
P2P is still viable on clean deals where you can wait three to six weeks, but the pool of lenders with live retail property products is smaller than it was, and many of the survivors now take institutional money only. Check the platform status before building a deal around it.
Frequently asked questions
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Are bridging loans high risk?
They carry real risk because the property is the security and the rate is high. If the exit fails, the lender can repossess. The risk is manageable when the exit is documented and the LTV leaves a buffer. It is acute when the exit is speculative or the deal only works at bridging cost with no contingency.
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Can I get a bridging loan if I have bad credit?
Yes. Specialist lenders like MT Finance assess the asset and the exit rather than the credit score. CCJs, defaults and arrears are not automatic declines. Expect a higher rate, typically at the upper end of the 0.70 to 1.50% range, and slightly lower LTVs.
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How much equity do I need for a bridge loan?
Most first-charge lenders cap at 75% LTV, so you need at least 25% equity in the property being charged. Second-charge lenders cap around 65 to 70% of combined value. Land-backed deals often need more equity, sometimes 40 to 50%.
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What happens if I can’t make repayments on my bridging loan?
Most bridges roll up interest and settle at the end, so the pressure point is the redemption date, not monthly payments. If you cannot repay on the date, ask for an extension first. If the lender refuses or you cannot meet extension terms, the property can be repossessed and sold to clear the debt. Default interest applies from the missed redemption date and is significantly higher than the original rate.
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Can I use a bridging loan for a buy-to-let property?
Yes. Investors routinely use bridges to buy BTL stock that needs refurbishment before it meets lender criteria, then refinance onto a buy-to-let mortgage once the property is lettable. Stress-test the exit mortgage at the lender’s stressed rate before borrowing, not at today’s rate.
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Are bridge loans a good idea?
They are a good idea when speed buys a transaction that would otherwise fail, the exit is credible, and the total cost is covered by the value of completing on time. They are a poor idea when the exit is vague, when a cheaper product would land in time, or when the deal only works at zero finance cost.
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Do bridging loans do credit checks?
Most do, but the weight placed on the result varies. Institutional lenders care more about credit than specialists. MT Finance does not credit-score in the traditional sense. Every lender will check for bankruptcy, IVAs and current proceedings, regardless of their broader credit appetite.
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Can you get 100% bridging finance?
Not against the subject property alone. A lender capped at 75% LTV cannot lend 100% of the purchase price on that property. You can structure 100% of the purchase price by offering a second charge on another property you own. The combined LTV across both assets still has to fit within the lender’s cap. Most borrowers asking this question do not know they need a second asset to make it work.
This guide was researched using primary sources including FCA guidance, Bank of England publications, HMRC documentation, and lender and provider primary websites. The content covers bridging finance for UK businesses. Verified in April 2026.
The information covers general principles applicable to UK businesses and is not financial advice. Rates, terms, and eligibility criteria vary by lender and business circumstances. Verify current terms directly with providers before making decisions.
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