Founded in 2013, Funding 365 (or F365) is a UK-based lender providing financial products to SMEs, property professionals and consumers, including bridging loans.

Funding 365 has an excellent reputation in the industry, thanks to its competitive rates and quality of service, for which they have won several awards over the last decade.

In this review, I will take a closer look at Funding 365, detailing their products’ key features, eligibility criteria, application process, rates and reviews to help you decide whether it is the right option for your needs.

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  • Rates
  • Range of Finance Options
  • Maximum Loan Size
  • Application Process
  • Customer Service
Funding 365

Funding 365 Bridging Loans: Overview

Funding 365 offers bridging financing from £100,000 to £10,000,000,000 for residential, commercial and development needs.

These short-term loans can be used to quickly secure property purchases, fund refurbishments, raise capital, or refinance existing loans.

Key features include

  • Bridging loans from £100,000 to £10,000,000, with up to 75% LTV available
  • Rates start from 0.80% per month for terms up to 24 months
  • Direct access to underwriters and decision-makers 
  • No exit fee
  • No early repayment charge
  • Adverse credit history is considered
  • Short-lease properties are considered
  • Credit-backed terms are provided in 1 hour
  • Most property types are accepted as security

Overall, Funding 365 has a great reputation. They have competitive rates, as well as transparent costs and processes they display from the start, and their team works fast to get you terms within 1 hour, which is great when you work on a tight schedule.

What are the Eligibility Criteria for a Funding 365 Bridging Loan?

Borrower’s Requirements

NationalityUK and foreign nationals with a 3-years residency history
LegalYou must be represented by a reputable law firm with a minimum of 3 partners
Credit HistoryYou should provide a written explanation of any adverse credit history (CCJs, Missed Payments, Bankruptcies)

Loan’s Requirements

LocationEngland & Wales
Accepted PropertiesResidential properties, HMOs, student accommodation, holiday lets, semi-commercial, offices, retail, commercial to residential conversions, PDR schemes, residential and semi-commercial refurbishment.
Max. LTV75%
2nd Charge Loans

Application Process for Funding 365 Bridging

Funding 365 provides a streamlined application process for bridging loans. The whole process is pretty standard.

Enquiry – Start with sending a loan enquiry to F365 (via phone, email, post, live chat, WhatsApp, Twitter or LinkedIn). You’ll be assigned to a dedicated underwriter.

f365 contact form

Review – Your dedicated underwriter will review your enquiry and, if you meet the requirements, get back to you with some terms in 1 hour.

Valuation & Application – If you’re OK with the terms, pay the valuation fee and complete the application form F365 will send you.

Legal – F365’s underwriter will then instruct a valuation and liaison with all parties for the legal due diligence.

Completion – Once the legal work is done, the loan is completed, and the funds are released.

The front-end process is quick and straightforward, with minimal information needed upfront. You can contact F365 by several different means, depending on what you’re more comfortable with, and they are very accessible. When I contacted them, their team got in touch in less than 15 minutes.

Funding 365 Bridging Loan Rates

Funding 365 bridging loan rates depend on which broker commission (1.5% or 2%) you choose. Here are the rates for the bridging products.

1.5% Broker Commission

Loan TypeAmount< 60% LTV< 65% LTV< 70% LTV< 75% LTVApply
Residential Bridge£100K – £10M0.89%0.94%More Info
Commercial Bridge£100K – £10M0.99%More Info
Light Development£200K – £5M0.89%0.94%More Info
Ground Up Development£250K – £1.5M0.93%More Info

2% Broker Commission

Loan TypeAmount< 60% LTV< 65% LTV< 70% LTV< 75% LTVApply
Residential Bridge£100K – £10M0.94%0.99%More Info
Commercial Bridge£100K – £10M1.04%More Info
Light Development£200K – £5M0.94%0.99%More Info
Ground Up Development£250K – £1.5M0.97%More Info

Funding 365 Reviews & Ratings

funding 365 review

Overall, F365 receives very positive reviews, earning a perfect score of 5 out of 5 based on over 50 reviews on Google.

Customers praise the staff’s helpfulness and flexibility, as well as F365’s speed in completing loans.

The rare negative reviews I came across mainly relate to unclear instructions from staff, but they are marginal. Negative opinions seem limited compared to the overwhelming positive feedback.

In summary, reviews indicate high customer satisfaction with F365’s lending services, owing to fast processing and fantastic staff. While a minority of customers have faced challenges, my sentiment toward F365 is unquestionably favourable.

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Funding 365 FAQs

What can Funding 365 bridging loans be used for?

Funding 365’s bridging loans can be used for purchasing, refurbishing, or refinancing properties, exiting development loans, and short-term cash flow needs. They offer loan terms of up to 18 months​.

What types of properties are accepted as securities for Funding 365 bridging loans?

Can borrowers pay back a Funding 365 bridging loan at any time?

How quickly can I receive a loan term offer from Funding 365?