Business Finance Guides
Plain-English guides to UK business loans, asset finance, invoice financing, and business credit cards. Compare lenders, check what you'll qualify for, and walk into a funding decision already knowing the answers.
Business Loans
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Bridging Loans
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Bridging Loan Extensions: What Happens if Your Exit Takes Longer Than Planned
Most bridging loan extensions add 3-6 months to your original term at higher interest rates and additional fees. Lenders evaluate your exit strategy viability, financial position, and payment history before approving extensions, with costs typically ranging from 0.5-2% of the loan amount plus increased monthly interest charges.
Bridging Loans for HMOs and Multi-Unit Freehold Blocks: Complete UK Guide 2026
Bridging loans for HMOs and multi-unit freehold blocks provide short-term funding from £25,000 to £25 million for property investors acquiring, converting, or refinancing multi-tenanted properties.
Buy-to-Let Bridging Loans: Refurbish, Refinance and Let
Buy-to-let bridging loans provide short-term financing to purchase, refurbish, and refinance rental properties before securing a traditional buy-to-let mortgage. These loans typically offer 1-24 month terms with rates from 0.75% per month, allowing investors to move quickly on opportunities while preparing properties for long-term rental income.
Second Charge Bridging Loans: Raising Funds Without Replacing Your Main Mortgage
Second charge bridging loans sit behind your existing mortgage as additional security against your property, letting you access funds quickly without disrupting your current mortgage arrangements. They're faster than remortgaging and ideal for time-sensitive opportunities like property purchases, refurbishments, or business funding needs.
Bridging Loan Application Checklist: Documents, Security and Exit Evidence
A bridging loan application requires personal ID, proof of address, property details, a professional valuation, and clear exit evidence, typically a sale agreement or mortgage offer. Lenders move fast, but only when your paperwork is ready.
Bridging Loans for Downsizing: Buying Your Next Home Before the Sale Completes
Bridging loans for downsizing allow you to purchase your new property before selling your current home, using the equity in your existing property as security. These short-term loans typically last 6-18 months and cost 0.5-2% monthly, giving you time to sell without losing your dream home or accepting below-market offers.
Bridging Loans with Adverse Credit: Can You Qualify After Defaults or CCJs?
Yes, you can qualify for bridging loans with adverse credit including defaults and CCJs. Bridging lenders focus on property value and exit strategy rather than credit history, making them significantly more flexible than traditional mortgage lenders.
Bridging Loan Valuations: What UK Lenders and Surveyors Check
UK bridging lenders require property valuations to assess loan security and determine maximum lending amounts. Surveyors check property condition, market value, location factors, and exit strategy viability.
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