StreamBank
A newly licensed specialist bank writing residential and commercial bridging, refurbishment and development finance from £100k to £5m through intermediaries, with fast-track products priced from 0.65 per cent a month.
What they do
StreamBank lends against UK property through a broker and intermediary panel: residential and commercial bridging, refurbishment finance, development finance and commercial mortgages, from £100k up to £5m. Its StreamLine and StreamEdge products use automated valuations for properties up to £1m and desktop valuations to £2m, which compresses the time from enquiry to offer, and price from 0.65 per cent a month. Interest is retained or rolled rather than serviced monthly, and every case is underwritten on a workable exit. Coverage is England, Wales and Scotland.
Where they fit in a lower-mid-market raise
Bridging is a timing instrument, and this is where StreamBank earns its place: a property purchase that has to complete before a longer facility can be arranged, a refurbishment that will lift a building into mortgageable condition, or a site that needs funding while planning or a sale completes. For a corporate borrower the relevant case is almost always property held alongside the trading business rather than the business itself.
Where they are not the fit
There is no operating-company cashflow lending and no appetite for sponsor-backed buyouts, both stated explicitly. Loan to value above 75 per cent on residential security is out, adverse credit is out on the fast-track products, and every case needs a clear exit before it is underwritten. Bridging is expensive held long, so a facility that cannot be refinanced or repaid on schedule is the wrong instrument rather than a cheap one.
Published terms
- Pricing
- Bridging: 0.65%–0.66%/month on clean fast-track products (StreamLine/StreamEdge); standard range unquoted but market-rate ~0.75%–1.1%/month
- Speed to terms
- Not published
- Sponsored or sponsorless
- Corporate only (SME property companies and developers). No private equity/sponsor-backed deal appetite identified. No operating-company cashflow lending
- Where they lend
- England, Wales, Scotland (GB). Intermediary network national. No Northern Ireland coverage confirmed
- How they decide
- Broker/intermediary panel model; direct underwriter access; BDM-led regional coverage; common-sense case-by-case underwriting. No pure credit-score automation stated. 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
StreamBank lends through 7 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether StreamBank lends, but which of these would own it.
Residential bridging (standard)
- Facility
- £100k to £3m
- Security
- First charge; combined first+second accepted; clear exit required
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Loan to value above 75% on residential security; No monthly repayments - retained/rolled interest model; Must have clear and workable exit; Adverse credit (on fast-track products)
Streamline (high-value residential bridging)
- Facility
- £500k to £1.5m
- Security
- First charge; AVM up to £1m, desktop valuation up to £2m property value
- Funds
- Acquisition · Refinance
- Rules out
- Loan to value above 65%; Loan below £500k; Adverse credit; Non-residential security
Streamedge (residential/commercial bridging)
- Facility
- £400k to £1m
- Security
- First charge; title insurance included; £1,000 legal fee contribution
- Funds
- Acquisition · Refinance
- Rules out
- Loan to value above 65%; Adverse credit; Drawdowns not permitted; Re-bridges not permitted
Commercial bridging (standard)
- Facility
- £100k to £3m
- Security
- First charge; up to 70% loan to value on commercial; combined charges accepted
- Funds
- Acquisition · Refinance
- Rules out
- Loan to value above 70% on commercial security; No monthly repayments - retained/rolled interest model; Must have clear and workable exit
Refurbishment bridging (light & heavy)
- Facility
- £100k to £3m
- Security
- First charge; loan to gross development value metric used for heavy/complex schemes; light and heavy accepted
- Funds
- Growth · Refinance
- Rules out
- Loan to value above 75% on residential refurb; loan to gross development value limits not published for heavy schemes
Development finance
- Facility
- £250k to £5m
- Security
- First charge over development site; LTC and loan to gross development value limits unpublished
- Funds
- Growth
Commercial mortgage
- Facility
- from £250k
- Security
- First charge over commercial/investment property; owner-occupier and portfolio refinance
- Funds
- Acquisition · Refinance
- Rules out
- Max facility and loan to value limits not published
Limits that apply across the firm
Stated limits, taken from StreamBank’s own published criteria, beyond the ones each desk carries above. A limit is where a lender starts from, not where it always ends: several of these move on a strong enough credit.
- Heavy works - only light internal works accepted
- No appetite in adverse credit or operating business cashflow
How they sit against the category
- Its published ceiling is £5m; 33 of the 42 challenger and specialist banks here go at least as high.
- 18 of the 42 publish an indicative price at all; it is one of them.
- It lends through 7 distinct desks, where most firms here run one or two.
Counted across the 42 challenger & specialist banks 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 StreamBank 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.
Does StreamBank lend to search funds or ETA buyers?
Not on the published evidence. StreamBank 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.
Where does StreamBank lend?
England, Wales, Scotland (GB). Intermediary network national. No Northern Ireland coverage confirmed.
What does StreamBank lend?
The published product set is residential bridging, streamline, streamedge, commercial bridging. Published sector focus is commercial property, investment property, mixed use, mixed use development, residential development.
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.