What they are, how they work, and when developers should use them.
Bridging loans remain one of the most useful financial tools for developers and asset-rich businesses, offering fast access to capital when timing is critical. Yet despite their value, they’re often misunderstood.
What is a bridging loan?
A bridging loan is a short-term, asset-backed funding option that helps “bridge” the gap between purchase and exit – whether that exit is sale, refinance or completion of works.
“Bridging isn’t just a finance product – it’s a strategic tool. The right facility gives developers the freedom to act quickly and the confidence to manage projects on their terms.”
– Steven Campbell, Group Director
This speed and freedom are what make bridging so powerful.
When should developers use bridging?
Bridging loans are particularly useful for:
- fast acquisitions
- auction purchases
- refinancing to release equity
- completing refurbishments or conversions
- temporary finance between purchase and sale
They offer developers the agility needed in today’s market.
Benefits of bridging finance
- 7–14 day decision-making
- Flexible terms aligned with the project
- Security-based lending for asset-rich businesses
- Short commitments with clear exit routes
- A powerful tool for building pipeline momentum
Final Thoughts
Bridging loans can unlock opportunities that would otherwise be missed – especially when paired with a partner who understands the urgency and complexity of development.
→ Want to understand how bridging could support your next deal? Contact us.