BRIDGING FINANCE

Real Estate | Commercial | Corporate Transactions

Fast Execution • Clear Terms • Defined Exit Strategy

BRIDGING FINANCE

Real Estate | Commercial | Corporate Transactions

Fast Execution • Clear Terms • Defined Exit Strategy

What is Bridging Finance?

Bridging finance is a short-term funding solution secured against property or business assets, designed to provide immediate capital where speed and flexibility are critical. It is typically used to “bridge” a funding gap until longer-term finance, sale proceeds, or refinancing is arranged.

Typical Uses of Bridging Finance

1.Time-Sensitive Property Acquisitions: Funding for auction purchases, off-market opportunities, chain breaks, and urgent completions where speed of execution is critical.

2. Refurbishment, Development & Asset Enhancement: Capital for renovation, extension, repositioning, planning-led projects, and short-term development phases designed to unlock asset value prior to refinance or sale.

3. Refinance, Restructuring & Ownership Changes: Short-term refinancing of existing debt, partnership buyouts, family transfers, capital restructuring, or bridging to longer-term funding solutions.

4. Business & Operational Liquidity (Asset-Backed): Working capital, cash flow support, inventory purchase, expansion funding, and strategic liquidity requirements secured against property or business assets.

5. Special Situations & Distressed Scenarios: Capital solutions for creditor settlements, HMRC/VAT obligations, preventing repossession, or resolving urgent financial pressures with a structured exit plan.

Esteema Bridging Finance Expertise Delivers

Structured & Layered Short-Term Capital : Bridging finance structured across senior debt, junior/mezzanine layers, private capital and club arrangements, enabling flexible solutions for mid-to-large, complex transactions requiring speed and precision.

Acquisition & Planning-Led Bridging: Short-term capital for acquisitions, planning gain, repositioning and refurbishment projects, designed to unlock asset value while preparing for refinance or exit.

Integrated Exit Strategy & Refinance Planning: Exit routes structured from day one, including development finance, investment term loans, or long-term refinancing to ensure a seamless transition from bridge to permanent capital.

Institutional Underwriting & Risk Discipline: Disciplined, institutional-grade underwriting with clear terms, transparent pricing and defined covenants, enhancing certainty of execution and transaction confidence.

Multi-Sector Bridging Capability: Bridging solutions across real estate, hospitality, healthcare, mixed-use and special situations, structured through UK and international SPVs aligned with regulatory and tax considerations.

Complex & Time-Sensitive Transactions: Execution of bridging facilities for time-critical completions, auction purchases, refinancing deadlines, and strategic asset repositioning.

We deliver a flexible bridging finance with clear, transparent terms and support clients in securing exit facilities, ensuring a smooth transition from short-term funding to long-term finance.

ESTEEMA BRIDGING FINANCE TERM		OTHER LOANS
✓ Any Loan Amount	100K to 100M	Restricted
✓ Any Purpose	Purchase, Refinance, Debt Settlement, Refurbishments, Developments, or any legal purpose	Restricted
✓ Any Real Estate	Residential, Commercial, Mixed, Land etc	Restricted
✓ Any Borrower	UK or International (Personal or Any SPV)	Restricted
✓ Any Location	UK, Europe and Major Location Globally	Restricted
✓ Any Background	Prime or Subprime (Adverse Credit)	Restricted
✓ Any Term	1 day to 36 Month (extendable)	Restricted
✓ Any Special Reasons	✓ 48 hours’ financing for emergency purpose ✓ 100% with or without additional security ✓ Repossession stopped bridging ✓ Non-Status – Non-Recourse ✓ No maximum age ✓ Interest roll-up facilities or pay monthly ✓ No valuation bridging ✓ 1st, 2nd, 3rd, equitable and unilateral charges	Restricted

Esteema Bridging Finance Special Pricing

Standard Bridging Finance

Rates from:
0.49% pm

Up-To
80% Loan to Value
100% with Additional Security

Refurbishments Bridging Finance

Rates from:
0.49% pm

Up-To
70% Loan to Value
90% with Additional Security

Credit Line Bridging Finance

Rates from:
0.49% pm

Up-To
70% Loan to Value
.

Bridging Finance Guide

Bridging Finance Documents

Bridging Finance is of two types:

1. Status Bridging Finance: Borrower profile and his credit profile is also an essential factor. So all documentation is required about the borrower.

2. Non-Status Bridging Finance: Assets based (Collateral) finance for quick financing. Borrower profile is ignored. Non-Status Finance is a little more expensive than the status of Finance because of higher risk factors.

The following is the standard list of documents required for bridging finance for the Status-Bridging Finance

KYC: ID, Address proof, Personal & Professional Profile, Credit Report for all the Borrower, Director, Partners & Major Shareholders
SPV Structure: Directors, Shareholders, UBO, and the registered address ( UK or offshore)
Money Laundering Documents: Assets & Liability Statements, Income & Expenditures Statements, Equity (deposit) proof
Income proof (may be required): Last 3-year accounts/tax return, 3 Month Bank Statements (Personal & Business)
Collateral: Full descriptions, brochure, valuation report (if available), tenancy schedule (if applicable)
Purpose of finance: Purchase, Refinance, Restructure, Investments, Developments, Business purpose, Refurbishments
Exit Strategy Proof: Some satisfactory proof/explanation about the loan to pay off?

Bridge Finance FAQ

How much bridging loan can I borrow?

You can borrow up to 75% against the single asset and up to 100% with the additional asset (1^st charge or 2^nd Charge)

Do I need an Income to get the bridging Loan?

Not necessarily as the loan will usually be for a specific purpose to plug a short term capital requirement with the release of capital from the sale of an asset being the means of repayment, income requirements do not exist in the same way as they do for mortgages and other loans.

Will I have to make a monthly payment for the bridging loan?

No, with almost all bridging loans you will only be required to make a payment when you close off the loan. The interest will be added to the loan each month, so the longer you hold the loan the more interest you will pay.

How to use the bridging loan?

It can be used for any legal purpose such as ‘quick purchase, finance restructuring, debt consolidation, repossession stopped or any legal debt settlement”.

Can my Adverse credit affect the bridging loan?

The non-Status bridging loan does not take into consideration your income & credit profile.

Lending decisions as the repayment mechanism will be the sale of an asset.

Is my home at risk, if I do not keep my repayment on time?

A non-regulated bridging loan is on investment property only. Your house is usually safe even for any non-repayments of the bridging loan because the lender recovers the loan from the sale of the investment property.

Bridging Finance Costs

The following costs should be considered at the time of availing the Bridging Finance:

Arrangement Fee: The arrangement fee or the facility fee, is usually charged by the lender as a set-up fee for the loan. This is added to the loan.
Exit Fee: The fee is payable to the lender when repaying the loan. This is paid on completion of the loan.
Broker Fees: These are the fees payable to the Broker for finding the best lenders and managing the application to completion. This is added to the loan.
Valuation Fees: This is the fee that has to be paid to the valuer, who shall be instructed by the lender to furnish a report on the collateral/project. This is paid upfront.
Legal Fee: Usually, the borrower would have to pay the legal fee for their own solicitors as well as the lender’s solicitors fee. This is paid upfront.

Completion Timeframe

We always aim to bespoke the ‘Financing Time Plan and Finance T & C, to meet the individual requirement. Our standard indicative timeframe :

Initial Finance Terms: We usually provide Initial Finance Terms within 3 hours.
Emergency Finance: We can complete the finance within 48 hours in case of any emergency or distressing situation.
Standard Finance: We usually complete Standard Finance within 3-4 weeks.

Notes: Financing time frame & Finance T &C are always subject to providing all satisfactory documentation, full credit underwriting, valuation and legal.