Unregulated & Commercial Bridging
Investment, refurb and exit bridges from £100K – £25M.
Speed and flexibility for investors and developers — including light/heavy refurbishment and re-bridges.
Ticket size
£100K – £25M
Turnaround
5–14 day completion
Capital partners
34+
Composes with
3 sectors
Key highlights
What sets this apart.
Heavy refurb
Re-bridge
BMV purchase
The problem
Why this capability exists.
Investors lose deals because their finance can't move at deal speed.
Our approach
- 01
Standing facility lines with our most-active funders.
- 02
Day-one valuer and solicitor instruction.
- 03
Pre-modelled exit on day of drawdown.
Outcomes you can expect
- Median completion 9 working days
- Standing lines with 6 funders
- Re-bridge facility within 24h
Typical structures
How unregulated & commercial bridging deals are commonly built.
Indicative structures we orchestrate across our capital partners. Final terms depend on borrower profile, asset and exit.
Closed Bridge
Defined exit (sale or refinance dated). Lowest pricing tier.
Open Bridge
Flexible exit window up to 18 months; pricing reflects uncertainty.
Refurb / Heavy Refurb
Tranched drawdown against works, with monitoring surveyor.
Library OS
Live signal · stack ideas · audience fit.
Three modules that turn this capability page into an orchestration view, not a brochure.
Lender appetite right now
What our desk is seeing on this capability this week.
- up
Specialist bridging house · Refurb-to-let bridge
Reopened postcode list across NW + Yorkshire. Faster valuations via desktop AVM.
Now lending to 80% LTV (was 75%)
- down
Tier-1 challenger bank · Senior development
Credit committee re-priced post-MPC. Repeat sponsors with delivered comparables only.
−25 bps on 65% LTGDV
- down
Family-office mezzanine · Stretched mezz on resi dev
Rotating out of equity into debt. Wants £3–8m strips, full QS oversight.
Hurdle IRR cut 150 bps for repeat sponsors
Who this fits
Audience fit, scored from the brief.
Property developers & investors
100%
Bridging, development finance, BTL portfolios, refurb-to-let.
SME founders & CFOs
100%
Working capital, growth funding, asset finance, invoice finance.
Brokers & intermediaries
0%
Lender intel, criteria shifts, packaging playbooks.
HNW & family offices
0%
Structured credit, complex cases, cross-border, tax-efficient capital.
Composes well with
Stack ideas our desk has placed before.
Property & Landlord Insurance
Cover that fits the asset, not a template.
BTL & Portfolio Lending
Portfolio refinances, SPV structures, mixed-use HMOs.
Commercial Mortgages
Owner-occupier and investment commercial property finance.
Ground-Up Development Finance
Senior debt for ground-up residential and mixed-use schemes.
Test the fit
Two interactive tools, no credit footprint.
Score your eligibility and model the deal economics before you ever talk to us.
Eligibility quick-check
Get an instant indication.
Five quick questions. No credit footprint. We'll show you a fit score and what to do next.
- Is the asset based in the UK or selected EU jurisdictions?
- Do you have a clear exit (sale, refinance, term loan)?
- Have you completed a similar transaction in the last 5 years?
- Can you contribute 25%+ equity / deposit?
- Is borrower credit history broadly clean?
0/5 answered
Answer to see your fit score
Scenario calculator
Model the deal.
Indicative only — final pricing reflects your actual lender quote.
Monthly
£89k
Total interest
£103k
Arrangement fee
£30k
Effective APR
9.83%
What happens next
Lender panel preview & document checklist.
Indicative lender match
Who we'd quote on day one.
Anonymised preview from our 90+ lender panel. Real allocations are tuned to your file.
- Tier-1 Clearing Bank ATier 1
Term & RCF
Indic. BoE +1.95%
- Specialist Bridging Bank BSpecialist
Bridging / Refurb
Indic. 0.79%/mo
- Private Bank CPrivate
Lombard / Mortgage
Indic. BoE +1.30%
- Alt Lender DAlt
Stretched Senior
Indic. 9.25% pa
- Specialist Dev Lender ESpecialist
Senior Development
Indic. 10.45% pa
- JV Equity Partner FAlt
Mezz / JV
Indic. 12% pref + share
Document checklist
What we'll need.
Indicative pack to get you a credit-quality answer in days, not weeks.
- Photo ID + proof of address (all parties)
- Last 3 months bank statements
- Asset / scheme summary or sales particulars
- Schedule of works (if refurb / dev)
- Personal asset & liability statement
- Latest filed accounts (if SPV / corporate)
- Source of deposit evidence
- Exit evidence (sale memo / refinance AIP)
FAQs
Frequently asked
The questions clients always ask.
Same business day for clean bridging cases; 24–48 hours for development senior debt; 3–5 days for complex private-bank mortgages.
No. Enquiries are soft-search only until you formally accept terms.
Yes — selected jurisdictions across the EU, Channel Islands, and prime international markets via private-bank partners.
Brokerage is paid by the lender on completion in most cases. For complex structuring engagements we agree a success fee in advance.
Short enquiry
Tell us about your unregulated & commercial bridging requirement.
A specialist will respond within one business hour. No credit footprint.