TFG Capital bridging finance review
TFG Capital offers unregulated bridging finance for business purposes, secured against residential, commercial, mixed-use or land assets. This guide sets out published product mechanics, costs and eligibility criteria so business owners can weigh up whether a written quote is worth requesting.
By Funding Fred · Sources checked 19 September 2026
Our enquiry compares selected Funding Fred partners. It is not an application directly to TFG Capital. Funding Fred is an introducer, not a lender.
Potential fit
Who could consider TFG Capital?
- Sole traders, partnerships, companies and SPVs seeking short-term finance secured against property, where the loan is for a business purpose rather than personal use.
- Borrowers who hold sufficient equity in residential, commercial, mixed-use or land assets, potentially including cases where a second charge is being considered.
- Applicants who can evidence a clear repayment route within the typical facility term, since bridging lenders generally require this as standard practice.
Worth weighing up
When to consider other options
- If the funding requirement is unsecured or below the advertised £50,000 minimum, a bridging facility secured against property may not be the appropriate structure.
- If a longer-term repayment schedule is needed beyond the typical bridging window, a different finance type may fit the cash flow better.
- If there is no defined exit strategy, such as a sale, refinance or incoming receivable, this product type is unlikely to be suitable regardless of security offered.
Understand the offer
Costs and repayments
Bridging finance from TFG Capital involves interest that can be serviced monthly or retained within the facility, depending on how the loan is structured. Borrowers should confirm which basis applies before proceeding, since retained interest is deducted from the advance upfront, reducing the net funds available.
Upfront costs referenced in the provider's published information include valuation fees and legal fees. These are separate from the interest charged on the facility itself and should be checked for when they become payable and whether they are refundable if the loan does not complete. Anyone comparing bridging options should ask for a full breakdown of these costs in writing before committing.
One detail worth flagging: TFG Capital's valuation approach reportedly uses a 180-day basis, which differs from an unrestricted open-market valuation. This can affect the loan-to-value calculation and, in turn, the amount available against a given asset. Rates, fees and any early repayment terms are not published here and should be confirmed via a direct quote, see the bridging loan costs guide for general context on how these charges typically work.
Eligibility and application
Published information indicates TFG Capital lends to individuals, sole traders, partnerships, companies and SPVs, provided the facility is for business purposes and secured against suitable property, mixed-use or land assets. Second charges are considered where existing equity supports them. The FAQ advertises loans from £50,000 to £5 million and indicative maximums of 75% of residential value or 65% of commercial value on a 180-day valuation basis. It also says adverse credit can be considered. Actual eligibility and advance levels require individual assessment.
Applications are handled through the provider's own channels, referenced via its lending FAQ. Meeting the baseline criteria above does not guarantee approval; each case is assessed individually. Because this is an unregulated business-purpose product, borrowers should read the application checklist for documents, security and exit evidence before applying, so the exit plan and supporting paperwork are ready in advance.
Advantages to weigh up
- Accepts a broad range of borrower structures, including SPVs and companies, which some mainstream lenders exclude.
- Considers second charges where equity supports them, potentially widening the security options available.
- Covers residential, commercial, mixed-use and land assets rather than a single narrow asset class.
Limitations to understand
- The 180-day valuation basis may produce a lower figure than an unrestricted market valuation, which can reduce the loan amount available.
- Interest that is retained rather than serviced reduces the net advance available upfront, which needs factoring into funding and exit planning.
- Published criteria are indicative; confirm the rate, fees, actual advance and repayment terms for the specific case in a written offer.
Look at the wider picture
Comparing the alternatives
Because bridging products vary significantly between lenders, on valuation methodology, interest treatment, second-charge appetite and term length, a like-for-like comparison depends on obtaining written quotes rather than relying on headline positioning. Two facilities that both describe themselves as "business bridging" can carry materially different total costs once valuation basis and fee structure are accounted for.
Before comparing offers, it helps to understand how bridging finance works as a category. The bridging loans overview and the bridging loans blog hub cover general mechanics, typical term structures and exit routes, which provide useful context for interpreting any written quote received from a lender such as TFG Capital.
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 TFG Capital 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 TFG Capital — Business-purpose bridging. Other products may have different terms.
Sources checked 19 September 2026. Your written offer determines your actual costs and conditions.
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