Residential Bridging Loan: Fast & Flexible Property Funding
At Active Business Finance, we specialise in delivering residential bridging loans tailored to meet urgent financial needs. Whether you’re purchasing a property, financing a development project or resolving a temporary cash-flow gap, our bespoke bridging loans offer fast, reliable access to funds with flexible repayment terms designed to fit your business goals.
We understand that timing is critical when financial opportunities arise. That’s why our bridging loans are structured to provide short-term funding solutions to businesspeople. They come with competitive rates and tailored terms. From auction purchases to commercial property renovations, our lending experts work closely with you to ensure a seamless application and approval process.
Our commitment to offering the best bridging loans on the market means providing clear terms, efficient service and expert support throughout the loan lifecycle. With Active Business Finance, you’ll benefit from a funding partner dedicated to helping your business succeed, no matter how complex the project or urgent the timeline.
Short-Term Residential Bridging Loans for Property and Business Growth
Bridging loans are an essential financial tool for businesses looking to fund urgent projects like property purchases, renovations or commercial expansions. At Active Business Finance, we offer residential bridging loans designed to provide fast, short-term funding when timing is critical. Our flexible loan structures enable businesses to secure essential capital without long-term commitments.
Whether you’re buying property at auction you intend to rent out, financing a development project or covering operational expenses during a transition, for example, our bespoke solutions are tailored to your business’s needs. With expert guidance and a streamlined process, we ensure you access the funds you need quickly and efficiently. Trust us to help you move forward without financial delays.
Apply now for a bridging loan
Best Bridging Loan Terms for Every Borrower
At Active Business Finance, we tailor residential bridging loans to match your specific financial needs. Loan terms are customised based on your business’s borrowing capacity, including loan-to-value (LTV) ratios, repayment timelines and secured collateral. This bespoke approach ensures businesses receive the most suitable funding solution without unnecessary restrictions.
Our lending specialists work closely with you to structure loans that fit your project’s requirements while keeping costs manageable. We focus on transparency and efficiency, streamlining the approval process to help you access funds without delays. With our expertise, you can proceed confidently, knowing your financial plan is built around your business’s success.
Supporting Businesses with Rapid Funding Solutions
When time-sensitive opportunities arise, bridging loans from Active Business Finance provide fast, tailored financial support. Our expert team delivers quick approvals and immediate funding, allowing businesses to act on pressing projects like property acquisitions, refurbishments and growth initiatives.
We understand that speed and reliability are crucial when managing financial challenges. That’s why our bridging loan services are designed to bridge funding gaps while ensuring a straightforward lending experience. Trust us to deliver the right funding solution, helping your business grow without disruptions.
Unlock your business’s potential with the best bridging loans we can offer. Contact Active Business Finance today for a custom funding solution tailored to your unique financial needs. Also discover our other business finance.
What is a bridging loan?
A bridging loan is a short term loan that’s secured against property, typically to bridge the gap until another source of funding comes in. In terms of business uses, this could be anything from starting a business, funding a new contract/ VAT bill to managing cash flow as they include the option of no monthly repayments. They are also the quickest form of secured lending and an ideal option if you need to release cash quickly.
The key benefit to a bridging loan is that the assessment is just based on the property and they only need to understand the exit strategy. This means that the funding could be used for anything business related, including starting a business. Poor credit, affordability, trading history etc. is irrelevant for a bridging loan, as long as there is a clear exit strategy. This could be profits from the business, increased income from a new contract, sale of the property etc.
A bridging loan is typically up to a maximum 2-year term and will have a first or second charge against your property. If the property is one that you currently reside in or intend to reside in, the lender will only be able to place a second charge against the property behind an existing mortgage. If the property is an investment property e.g. a buy-to-let property, then they can take a first charge against the property.
Bridging loans are all based on the property and not the business making it a sure-bet form of finance with the added benefit of no monthly repayments.
The typical costs for a bridging loan is around 0.80 – 1% /month dependent on the property. Some bridging loan lenders work exclusively with brokers who then have access to cheaper rates which we can give you access to.
It’s important to note that some lenders have lower interest rates but add in higher fees including a large exit fee. We only use reputable lenders with all costs involved clearly stated in layman’s terms so that you fully understand the agreement.
Serviced vs Retained Bridging Loan
Serviced
Serviced bridging loans are structured like your typical business loan where you have a fixed monthly repayment each month over the term of the loan until the loan is repaid.
Retained
Retained bridging loans are unique as there are no monthly repayments. You simply have to repay the loan in full by the end of the term. This can be in multiple payments or in full on the last day. This is a great option to ease cash flow or start a business.
It’s worth noting that both options allow you to pay off the loan early including part repayments. If you pay back part of the loan early or make an over-repayment, the interest is calculated on the outstanding amount and so the total cost of the loan will be less.
Get in Touch
020 4525 2521
info@activebusinessfinance.com
Golden Cross House,
8 Duncannon St,
London WC2N 4JF
Apply now for a bridging loan
Best solution
Not sure which option is best? We will identify the best option for you or provide you with multiple options for you to decide on how you would like to proceed.
No fees
We charge no fees on all our finance options as the lenders pay us, not you. It is therefore in our best interests to find the best possible option for you.
Quick funding
We can get you funding within a few hours, but on average it will be within 2-3 working days. It is also dependent on the finance option that you’re looking for.