OakBridge Financial Services
An owner-managed bridging principal writing £150k to £4m across England, Wales and mainland Scotland, with a decision in principle inside two working hours.
What they do
OakBridge lends its own balance-sheet money, with no disclosed institutional warehouse behind it, across regulated and unregulated bridging, commercial bridging and auction finance on terms of one to twenty-four months. Residential pricing runs from 0.79 to 0.84 per cent a month and commercial from 0.75, with arrangement fees from one per cent and interest charged daily rather than compounded, which reduces the cost of an early repayment. A decision in principle comes within two working hours with no credit search at enquiry stage, and funds can follow within three days.
Where they fit in a lower-mid-market raise
Daily interest and no credit footprint at enquiry make this an unusually low-friction lender to approach and an unusually fair one to exit early, which matters on a bridge that is repaid the moment a sale completes. Coverage extends into mainland Scotland, which many small principals do not offer.
Where they are not the fit
Facilities cap at around £4m, so only the bottom of a £3–15m raise is reachable, and there is no development finance product at all. Northern Ireland and the Republic are excluded. The firm is small and owner-managed, which is both the source of the speed and a limit on capacity.
Published terms
- Pricing
- Residential from 0.79-0.84% per month (approx 948-1,008 bps pa); commercial from 0.75% per month (900 bps pa); arrangement fee from 1%; interest charged daily, not compounded; fees can roll up to redemption
- Speed to terms
- Not published
- Sponsored or sponsorless
- Corporate and individual borrowers accepted; no upper age limit stated. No sponsor-backed or private equity appetite identified
- Where they lend
- England, mainland Scotland, and Wales. Northern Ireland excluded. No Republic of Ireland
- How they decide
- Owner-managed; in-principle decision within two working hours; no credit search at enquiry stage. Authority is delegated below committee on at least part of the book
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
OakBridge Financial Services lends through 4 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether OakBridge Financial Services lends, but which of these would own it.
Regulated bridging finance
- Facility
- £150k to £4m
- Security
- First or second charge over main residential property; first charge max 65% loan to value, second charge max 60% loan to value
- Funds
- Acquisition · Refinance
- Rules out
- Property security required; Mainland UK only (no Northern Ireland); FCA regulated product - main residence security only
Non-regulated bridging finance
- Facility
- £150k to £4m
- Security
- First or second charge over residential investment or commercial property; first charge max 65% loan to value, second charge max 60% loan to value
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Property security required; Mainland UK only (no Northern Ireland)
Commercial bridging finance
- Facility
- £150k to £4m
- Security
- First or second charge over commercial property; first charge max 65% loan to value
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Property security required; Mainland UK only (no Northern Ireland)
Auction finance
- Facility
- £150k to £4m
- Security
- First charge over auction-acquired property
- Funds
- Acquisition
- Rules out
- Property security required; Mainland UK only (no Northern Ireland)
How they sit against the category
- Its published ceiling is £4m; 72 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 4 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 OakBridge Financial Services write?
Published facilities reach £4m, 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.
Where does OakBridge Financial Services lend?
England, mainland Scotland, and Wales. Northern Ireland excluded. No Republic of Ireland.
What does OakBridge Financial Services lend?
The published product set is regulated bridging finance, non-regulated bridging finance, commercial bridging finance, auction finance. Published sector focus is commercial, property, real estate, residential.
Sources
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.