Reward Funding bridging finance review
Reward Funding, trading name of Reward Finance Group Limited (formerly registered as Reward Capital Limited), offers secured property finance advertised as bridging loans. This guide sets out the published terms, security requirements and costs so business owners can assess fit before requesting a written quote.
By Funding Fred · Sources checked 19 September 2026
Our enquiry compares selected Funding Fred partners. It is not an application directly to Reward Funding. Funding Fred is an introducer, not a lender.
Potential fit
Who could consider Reward Funding?
- Limited companies seeking short-term finance secured against residential or commercial property, where a first or second charge can be granted.
- Sole traders with a property asset available as security, subject to the lender's own assessment of the charge and exit route.
- Borrowers needing a facility term within the advertised 3-12 month range, where availability at the top end (up to £5 million) depends on individual circumstances confirmed at quote stage.
Worth weighing up
When to consider other options
- If the funding need is unsecured and no property asset is available, since this product is specifically secured lending against residential or commercial property.
- If the required term exceeds 12 months, as the advertised range for this facility sits within that window.
- If a clear repayment or sale exit cannot yet be evidenced, since bridging finance of this type is built around a defined exit rather than ongoing trading repayments.
Understand the offer
Costs and repayments
Reward Funding's property finance is a secured bridging facility, meaning the total cost is built from several components rather than one flat rate. Published information indicates monthly interest, along with setup and exit costs, form part of the overall facility pricing. The exact percentages, fee structure and whether interest is serviced monthly or retained within the loan are not detailed in the published summary and would need confirming in a written offer.
Because the loan is secured by a first or second charge over property, the repayment structure is tied to how and when that charge is discharged, typically through refinance, sale, or another agreed exit. Borrowers should treat any advertised amount, such as facilities up to £5 million, as an indicative ceiling rather than a guaranteed offer, since actual terms depend on the property, charge rank and borrower profile assessed by the lender.
Exit cost and setup fees sit alongside interest as separate charges rather than being automatically bundled into a single headline rate. Anyone comparing this product should request a full breakdown, interest calculation method, arrangement fee, exit fee and any charge for a second-ranking position, before treating a quoted rate as the total cost of borrowing. For general background on how bridging costs are typically structured, see this guide on bridging loan costs and UK rates.
Eligibility and application
Published eligibility centres on the availability of residential or commercial property to secure against, with both limited companies and sole traders considered as borrower types. The lender takes a first or second charge, which means an existing mortgage or prior charge on the property will affect how the facility can be structured and ranked.
No further published detail confirms specific credit criteria, minimum trading history or geographic restrictions beyond the property-security requirement, so these points remain unknown to this guide rather than assumed. Applications would proceed through Reward Funding's own channels, and any borrower should verify current terms directly via the official property finance page or the provider's main site before proceeding.
Advantages to weigh up
- A defined term range (3-12 months) gives a clear expectation of facility length rather than an open-ended arrangement.
- Both limited companies and sole traders are stated as considered borrower types, widening who might approach the lender.
- A published ceiling of up to £5 million indicates capacity for larger property-secured transactions, subject to individual assessment.
Limitations to understand
- The facility is secured lending; a first or second charge over property is required, which carries the risk of that asset being tied to the loan.
- Precise interest rates, fee percentages and repayment mechanics are not detailed in published summaries and must be confirmed in a written quote.
- A viable exit, sale, refinance or another repayment route, is central to bridging finance of this type and is not automatically guaranteed by eligibility alone.
Look at the wider picture
Comparing the alternatives
Any secured bridging quote should be compared on total cost, not headline rate alone. That means checking arrangement fees, exit fees, how interest accrues, and whether the charge is first or second ranking, since a second charge often carries different pricing and risk than a first charge. Reading how bridging finance works more broadly can help frame what to check: see this overview of bridging loans and this explainer on bridging loans.
Exit strategy evidence is another area worth comparing carefully across offers. Lenders assessing property-secured bridging finance typically want to see how the loan will be repaid within the term, whether through sale, refinance or another route. This bridging loan application checklist sets out the type of documentation and exit evidence commonly requested, which is useful preparation regardless of which secured lender is approached.
MT Finance
Bridging finance
Uses: Auction purchase, chain-break prevention and equity release.
Read reviewBlack & White Bridging
Short-term property finance
Range: Auction, residential and commercial bridging.
Read reviewProduct features checked against each provider’s UK website. These are comparison pointers, not a price ranking or a promise of eligibility.
Your Reward Funding questions, answered
Costs, eligibility and the details to check before applying.
How we put this guide together
This is a review of published UK product information, not a customer experience or a hands-on test. We have not assigned a star rating. This guide focuses on Reward Funding — Secured property finance. Other products may have different terms.
Sources checked 19 September 2026. Your written offer determines your actual costs and conditions.
More funding guidesOfficial sources
Find funding that fits your business.
Explore selected finance partners with Funding Fred. Free to use, with no obligation.
This is a Funding Fred enquiry, not a direct Reward Funding application. Finance is subject to status and provider criteria.