Bridging loan specialists
Fast, funding solutions.
Access the funds you need from £25K to £20M.
At Bridgewater Acceptances, we understand the urgency of financial needs, which is why our lending partners can release funds within 5 days in certain circumstances. Our bridging loan solutions are designed for businesses and individuals seeking fast funding with minimal fuss. Whether it’s for the purchase or refinance of commercial, semi-commercial, or residential buy-to-let property, refinancing a current loan or a 2nd charge loan secured on your home, or even for auction purchases, we’ve got you covered!
Bridging loan specialists covering a broad range of financial needs.
With loan terms up to 24 months, Bridging loans can be used to pay off urgent debts such as tax, VAT, trade creditors or bankruptcy notices. They are ideal for fast purchases, property development or refurbishment, capital raising or cash flow injection. Using Bridgewater as your bridging loan specialist, you can achieve your financial goals quickly and efficiently.
Loans funded within 5 days in certain circumstances.
Why choose Bridgewater?
Speedy, personal service
Bridgewater stands out for it’s speed and personal service, providing access to a designated underwriter.
Extensive loan cover
Our loans cover up to 75% of the property value, with 100% available if adequate additional security is provided, and up to 60% of land value.
All difficult cases considered
Cases with adverse credit, including CCJs and discharge bankrupts, are considered and in most cases funded.
No proof of income required
We require no proof of income in certain circumstances and offer loans ranging from £25K to £20M.
Development loan options
For development loans, we offer up to 60% of land value and up to 100% of build costs, with the maximum loan not exceeding 65% of Gross Development Value.
No proof of income? No problem!
We know that not every borrower can provide traditional financial documentation. That’s why we proudly offer bridging loans without the need for accounts or bank statements in certain situations, allowing more flexibility for our clients.
All property types
As bridging loan specialists, Bridgewater caters for various financial needs, including the purchase of commercial or residential buy-to-let properties, refinancing current loans or 2nd charge business loans secured over the borrowers home. Auction purchases, paying off urgent debt, property development or refurbishment and capital raising or cash flow injection are all things we can fund for you.
Bridging loan criteria & terms
Loan Criteria & Terms
Our interest rates start from 0.85% per month, with loan terms up to 24 months. Repayment options include deducting all interest from the loan, rolling it up or making monthly payments via Direct Debit. A first or second charge will be required over the security being offered, with extra security sometimes necessary.
Regulation & Eligibility
All our loans are non-regulated, which means that when the loan is secured by a second charge over the borrower’s residential property, the funds can only be used for business purposes. We offer loans from £25K to £20 million secured on various types of commercial, semi-commercial (including shops with flats above), or residential properties in England, Scotland, and Wales. We also secure loans on farms, land, and developments.
Status or non-status borrowers
We welcome UK and non-UK limited companies and individuals, pension and trust funds, and borrowers with adverse credit histories. Whether you are a status or non-status borrower, Bridgewater can provide the bridging loans support you need.