International Commercial & Business Finance

Bridging Loan Criteria

Loans available (UK only) from $1,000,000 USD on a case by case basis

Prior to your loan application, please make sure that your valuation report has been done by one of the following companies:

  • Ashdown Lyons            
  • DTZ
  • Savills
  • Knight Frank
  • CBRE
  • Kings Sturge
  • Jones Lang LaSalle
  • Cushman & Wakefield
  • Lambert Smith Hampton
  • Gerald Eve
  • Allied
  • DM Hall (Scotland)
  • Price Waterhouse Coopers
  • KPMG

If your valuer is not on this list, then please call us on +44 (0)2921 287111 and we will advise on a case by case basis if your valuer is acceptable.


Maximum Loan to Value is 75% of the Open Market Value (OMV) - less fees, costs and interest.

The most important point to remember when applying for bridging finance is that the proposal makes sense.

The criteria listed here are a general example of a normal set of conditions, but if your enquiry does not meet all of these but makes good business sense then please still enquire as it is more than likely we will still be able to help.

criteria is simple:

* Any legal purpose loan.
* Collateral security to be provided.
* A first legal charge over any asset provided as security.
* Lend to limited companies, PLCs, SPVs, Trusts, or Partnerships.
* A valuation is required and credit report.
* There must be a clear exit for repayment of the loan.

In all bridging loans an exit strategy is paramount. If the loan is at a high loan to value, then proof of the exit will be required.

Examples of exits are:

  1. A concluded missive to sell on
  2. A mortgage offer
  3. A decision in principle letter from a bank
  4. Development finance offer letter for post acquisition
  5. Any proof of ability to repay loan after term



Other Criteria & Fees

Loan Term: 1 Month – 12 Months
Rate: From 0.99% per month
Entry Fee: From 1% (Subject to variation on a case by case basis)
Exit Fee: From Nil to 1 Months Interest depending on bank
Legal Fees: On a case by case basis
Adverse Credit: Usually accepted but explanation required if heavy
Bankruptcy: Accepted as long as discharged