Black & White Bridging
A Bristol-based own-book bridging lender with a published rate card from 0.69 per cent a month, writing to £5m as standard and up to around £7.5m by referral.
What they do
Black & White Bridging lends as principal, funded by a long-standing base of secured investor loan notes alongside an institutional line of around £100m added in 2024. Its rate card is published in full: from 0.69 per cent a month on residential, 0.79 on auction, refurbishment and development exit, 0.89 on standard commercial and 1.5 on land, with a two per cent arrangement fee across products. Offices are in Bristol, London and Manchester, and Scotland has been served since 2023 through a dedicated funding line. An £8m development exit completed in fifteen days.
Where they fit in a lower-mid-market raise
A published rate card removes the guesswork that makes bridging hard to compare, and an own-book lender with dual funding can complete when a broker-fronted lender cannot. Auction purchases, refurbishments and development exits are the mainstream uses, and coverage across England, Wales and Scotland is broader than most independents of this size.
Where they are not the fit
Standard facilities cap at £5m, with more available only by referral, so a larger requirement is not certain. Lending is unregulated and business-purpose only, secured on UK real estate rather than on trading cashflow. Land pricing at 1.5 per cent a month is expensive money for a slow-moving asset.
Published terms
- Pricing
- Published, transparent rate card. From 0.69% pcm (residential), 0.79% pcm (auction/refurb/development-exit), 0.89% pcm (commercial standard; 1.5% pcm for land); 2% arrangement fee across products; refurbishment carries a 1% exit fee;.
- Speed to terms
- Fast bridging execution; 15-day completion evidenced on the flagship £8m development-exit loan. No published published timetable
- Sponsored or sponsorless
- Lends to property investors, developers, SME landlords, corporates and SPVs on first-charge UK real-estate security; asset/loan to value-led, not EBITDA/cash-flow-led
- Where they lend
- Core market England & Wales; Scotland also served since Jan-2023 via a dedicated funding line. HQ Bristol with London and Manchester offices
- How they decide
- Direct own-book principal decisions; broker-distributed with a published transparent criteria/rate/fee model; broker commission negotiable, paid on completion. Rapid execution. Authority is delegated below committee on at least part of the book
- Search funds and ETA
- No published route for search-fund or first-time acquirer borrowers
As published by the lender and last reviewed August 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
Black & White Bridging lends through 5 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Black & White Bridging lends, but which of these would own it.
Residential bridging
- Facility
- £50k to £7.5m
- Security
- First legal charge on residential property; up to 75% of 180-day valuation (AVM permitted), up to 90% of planning-permission value where applicable; 3-18 months; from 0.69% pcm, 2% arrangement fee, serviced or retained interest
- Funds
- Acquisition · Growth · Refinance
- Rules out
- UK real-estate security required (not trading-business cashflow); Business-purpose or unregulated bridging only
Commercial & semi-commercial bridge (incl. land with planning)
- Facility
- £50k to £7.5m
- Security
- First charge on full commercial (offices/warehouses/retail), semi-commercial (mixed-use, shop-with-flats) or land with prior planning; up to 65% of 180-day valuation (55% for land); 3-18 months; from 0.89% pcm (1.5% pcm for land), 2% arrang.
- Funds
- Acquisition · Growth · Refinance
- Rules out
- UK real-estate security required (not trading-business cashflow); Business-purpose or unregulated bridging only
Auction bridge
- Facility
- £50k to £7.5m
- Security
- First charge on property purchased at auction; up to 75% of 180-day valuation or up to 90% of purchase price; 3-18 months; from 0.79% pcm
- Funds
- Acquisition · Growth · Refinance
- Rules out
- UK real-estate security required (not trading-business cashflow); Business-purpose or unregulated bridging only
Refurbishment bridge
- Facility
- £250k to £7.5m
- Security
- First charge over property undergoing works; up to 70% loan to gross development value, up to 100% of build costs funded (max £250k per drawdown); to 18 months; from 0.79% pcm, 2% arrangement + 1% exit fee, interest rolled
- Funds
- Acquisition · Growth · Refinance
- Rules out
- UK real-estate security required (not trading-business cashflow); Business-purpose or unregulated bridging only
Development exit
- Facility
- £50k to £7.5m
- Security
- First charge over a completed development scheme; up to 70% of 180-day valuation; 3-18 months; from 0.79% pcm. Refinances a live development facility and releases capital to acquire the next site
- Funds
- Acquisition · Growth · Refinance
- Rules out
- UK real-estate security required (not trading-business cashflow); Business-purpose or unregulated bridging only
How they sit against the category
- Its published ceiling is £7.5m; 55 of the 75 property-backed lenders here go at least as high.
- 65 of the 75 publish an indicative price at all; it is one of them.
- It lends through 5 distinct desks, where most firms here run one or two.
Counted across the 75 property-backed lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does Black & White Bridging write?
Published facilities reach £7.5m, and the bottom of the published range is small-ticket business rather than a corporate facility. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does Black & White Bridging move?
Fast bridging execution; 15-day completion evidenced on the flagship £8m development-exit loan. No published published timetable. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Does Black & White Bridging lend to search funds or ETA buyers?
Not on the published evidence. Black & White Bridging publishes no route for search-fund or first-time acquirer borrowers. A searcher's route to a lender usually runs through the quality of the target and the equity behind it.
Sources
blackandwhitebridging.co.uk · find-and-update.company-information.service.gov.uk
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.