Bridging Finance Solutions
A privately funded principal lender in the North West writing bridging, refurbishment and development finance from £50k to £5m, with decisions in hours and completions in ten days.
What they do
Bridging Finance Solutions lends entirely from shareholder capital rather than wholesale lines, which is what allows a same-day decision in principle, often within an hour or two, and a typical completion in ten days with 48 hours achieved on occasion. Products cover bridging, conversion and refurbishment and development finance across England, Wales and Scotland, priced between 0.5 and two per cent a month with arrangement fees of one to two per cent and no exit fee on standard facilities. Leverage caps at 70 per cent.
Where they fit in a lower-mid-market raise
Speed from a principal lender is the whole proposition, and it is most valuable on an auction purchase or a chain break where a slower funder simply cannot complete. Bridging exposure runs to £2m for portfolio clients and £1m otherwise, with development products reaching £5m, so this sits at the smaller end of a lower-mid-market requirement.
Where they are not the fit
Facility sizes cap well below the top of a £3–15m raise: development at £5m and bridging materially lower. Northern Ireland is not covered. Property security is required at up to 70 per cent leverage, and there is an upper age limit on individual borrowers at the end of the term.
Published terms
- Pricing
- Bridging: 0.5%--2.0% per month (50--200 bps/month); arrangement fees 1--2% of loan; no exit fees on standard facilities; rates determined case by case by loan to value, security type, borrower profile and loan size. Development: not published
- Speed to terms
- Typical completion 10 days; has completed in 48 hours
- Sponsored or sponsorless
- Corporate/investor appetite; no stated sponsor-backed preference; serves individuals, investors, developers and professional advisors
- Where they lend
- England, Wales and Scotland. Northern Ireland not covered. Scotland coverage expanded since 2023 with dedicated BDM
- How they decide
- Principal lender; in-house underwriting team; case-by-case assessment; decision in principle same day (often within 1--2 hours); no named contacts on public enquiry pages but BDM team covers regional ma
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
Bridging Finance Solutions lends through 3 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Bridging Finance Solutions lends, but which of these would own it.
Bridging finance
- Facility
- £50k to £2m
- Security
- First charge over UK property; max 70% loan to value of open market value; regulated and unregulated facilities available
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Property security required; Max 70% loan to value; Max age 80 at loan end; No lending in Northern Ireland
Development finance
- Facility
- £100k to £5m
- Security
- Property security required; up to 65% of post-completion value for refurbishment/development; staged drawdown
- Funds
- Growth · Refinance
- Rules out
- Property security required; No lending in Northern Ireland
Property conversion and refurbishment finance
- Facility
- £50k to £2m
- Security
- Property security required; up to 65% loan to value post-completion
- Funds
- Growth · Refinance
- Rules out
- Property security required; No lending in Northern Ireland
How they sit against the category
- Its published ceiling is £5m; 67 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 3 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 Bridging Finance Solutions write?
Published facilities reach £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 Bridging Finance Solutions move?
Typical completion 10 days; has completed in 48 hours. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
On the record
2025: £1.89m regulated bridging loan, London residential investment property (bridgingfinance-solutions.co.uk/london-bridge-in-1-89m-deal/.
Sources: bridgingfinance-solutions.co.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.