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Special Situation Bridging Loan

(Any Purpose – Any Amount – Any Background)

Special Situation Bridging Loan

(Any Purpose – Any Amount – Any Background)

Fast & Flexible “Special Situation Bridging Loan” through Us

Special Situation Bridging loans are temporary loans for a short-term loan for the immediate need.  It is noteworthy Special Situation  Bridging loans need security and collateral to support Them

“A special situation in finance is an atypical situation, which has either already impacted or have potential to alter the future course. It materially impacting the value & growth. This covers any of the following situations”

Esteema provide Special Situation Bridging Loans for ‘Any Background & Any Purpose’

  • Adverse Background Bridging Loan
  • Legal Settlement Bridging Loan
  • SPV Re-Structuring Bridging Loan
  • Distressed, Rescue or Turnaround Bridging Loan
  • Complex Collateral Bridging Loans
  • Cross Border bridging Loans

‘Special Situation Bridging Loan’ can be used for ‘Any Purpose’

  • Refurbishment, Expansion & Renovation, Construction etc
  • Working capital, cash flow, inventory purchase, expansion etc
  • Urgent purchase (Auction), Refinance, Restructuring, Partnership buyout, Family transfer etc
  • Any distressed situation, repossession stopped, or Settlement such as (Creditors, VAT or HMRC tax etc

What makes Esteema Real Estate Bridging Loan DIFFERENT?

  • Real Estate Finance & Investments Experts
  • Syndicate Funding Structure: Lending, Financing & Funds Raising 
  • End to End Funding Structure: Senior Debt, Mezzanine, JV & Equity
  • Exceptional Pool of Funding Line – No Upper Limit
  • Revolving Credit Line for Multiple businesses 
  • 360º Credit Risk Mitigation Underwriting for assured success.

We provide safe, low-cost  & transparent Special Situation Bridging loans for complete peace of mind.  We also assist to arrange the ‘Bridging Loan Exit Finance facilities’ to ensure a complete end to end solution for the client.


✓ Any Loan Amount100K to 100MRestricted
✓ Any Purpose Purchase, Refinance, Debt Settlement,
Refurbishments, Developments, or any legal purpose
✓ Any Real EstateResidential, 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 Term1 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

Esteema Special Situation Bridging Loan Pricing

Standard Bridging Loan

Rates from:
0.49% pm

80% Loan to Value
100% with Additional Security

Refurbishments Bridging Loans

Rates from:
0.49% pm

70% Loan to Value
90% with Additional Security

Credit Line Bridging Loan

Rates from:
0.49% pm

70% Loan to Value

Special Situation Bridging Finance Guide

Special Situation Bridging Finance Documents

Special Situation Bridging Finance is of two types:

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

2. Non-Status Special Situation 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 Special Situation 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 (1st charge or 2nd 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.

Special Situation Bridging Finance Costs

The following costs should be considered at the time of availing the Special Situation 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.

Jargon Buster

Please refer to the Knowledge Bank section for more information

Key Factors Affecting the Special Situation Bridging Loan

Personal Profile

✓ Personal & Business Profile
✓ Credit Profile
✓ Experience & Track Record
✓ SPV Structure & Location

Collateral Profile

✓ Collateral Type
✓ Covenant Type
✓ Location
✓ Purchase Price Vs Market Valuation

Bridge Loan Exit Startgey

✓ Sales
✓ Refinance Option
✓ Other

Esteema Syndicate & Structured Financing Expertise provides the complete peace of mind. Please contact us in confidence for

‘Quick Decision – Quick Financing’

Contact us

Please send us the ‘Detailed Information’,  for the bespoke financing and Quick Financing.

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