Bridging Loans

Table of Contents

Welcome to Fast Forward Finance

Fast Forward Finance is a specialised bridging loans broker in the UK, able to arrange some of the most affordable bespoke bridging loan products on the English market.

In addition to this, we are able to arrange tailor-made loan deals that are not widely available across the market.

As a market-independent bridging loan broker with over XXX years of experience in the industry, we have built over the years long-term relationships with both lenders and property developers. This enables us to provide financing solutions for even the most complex circumstances.

A Trusted Capital Source for Over Xnumber of Businesses

Here at Fast Forward Finance we have access to more than XXX lenders in the financial industry and run unrestricted due to our independent status.

We have kindled close relationships with credit institutions, banks, and private lenders. As a result, a large number of companies and individuals trust us to quickly meet their short-term finance needs, without resorting to the potentially complex process of traditional lenders.

Owing to the high trust factor that we have maintained over the years with many lenders, our processing times are often extremely short. We know the information, the format, and the best structure for all individual loan applications.

A Proven Track Record in providing Bridging Loans

At Fast Forward Finance, our specialised property finance team can help you create bridge loans that are tailored made for your specific needs.

With XXX years of experience in sourcing fast bridging loans, we have built a strong network of the country’s most flexible lenders to get you the best possible result you’re looking for.

Our Bridging Finance Specialist Team

With a proven track record of success, our team of specialists has been arranging bridge loans for our clients across the UK for several years. Structuring deals that range from one month to two years, with sums that range between £50,000 to millions, we endeavour to be able to fast-track the application and payment process once you meet the lenders’ criteria.

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What is a bridging loan?

Bridging loans are typically a short-term financing solution that can be used to complete a quick purchase or refinance an existing asset, usually a property. It is used to bridge the gap between the time a payment is due and when long-term funding can be secured.

Fast Forward Finance Solutions understand that quick turnarounds are of the essence, and our team of specialists will use their network of lenders to find the best deal available for you.

What is the difference between a Bridging Loan and a Business Loan?

A bridging loan is a short-term loan used to bridge the gap between when cash is needed and when a long-term loan can be secured. Bridge lending comes as a standard in the property industry.

Property owners who need short-term funding to pay for one property while waiting for another one to be sold can make use of bridge funding to raise the required payment amount.

Business loans can be either short-term or long-term, but they tend to have often a long period of waiting. The banks spend a lot more time checking your credit history and background before even taking into consideration your loan application.

What is the Difference Between a First and Second Charge Bridging Loan?

The first charge means that the property used for security does not have an outstanding mortgage balance to pay and that the house is owned outright without loans being secured against it. A second charge loan is one where an outstanding mortgage balance still remains to be paid.

Can you get a 100% Bridging Loan?

Absolutely. In the right circumstances, bridge funding can be done at 100% of the purchase price, but it does not extend to every transaction.

The two different categories of Bridging Loans:

There are two main types of bridging loans: closed bridging and open bridging loans.

What is a closed bridging loan?

When applying for a closed bridge, you agree to repay the bridging loan by a specified date. This is an ideal solution for something like buying a property with an agreed completion date.

What is an open bridging loan?

An open bridging loan, on the other hand, gives you the flexibility to fully repay the loan when you are ready, subject to the actual loan terms. This could work well for a project that comes without a fixed completion date.

Can you Get an Unsecured Short-term Bridging Loan?

Yes, as long as you can meet the lender’s criteria, we are able to help you access an unsecured short-term bridging loan.

Unsecured loans are types of loans that do not require collateral to apply for. Lenders will not ask you to pledge an asset as security but, however, they will check to confirm that you have a stable source of income and a credible credit rating; this means that you can apply only if you meet their desired criteria.

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Borrow Up to £XXX with Fast Flexible Bridging Loans

Fast Forward Finance can work to arrange bridging finance for property developers up to £XXX, taking the borrowers’ financial circumstances into consideration to ensure that they get the best interest rates. Also, bridging loans are typically processed faster than regular loans, which means that once everything is in place, you’ll receive your money in the least amount of time.

Bridging loans for your short term finance needs

Bridging loans are a great way to raise funds when a quick, short-term solution is needed to fix a difficult situation, such as a temporary cash-flow problem, or meeting a tight deadline.

We endeavour to be experts at finding the most suitable lender suited for your short-term financing needs.

Why use Bridging Finance?

Bridging finance gives you more bargaining power when buying a new property. You can raise the funds you need to buy your dream home immediately after it appears on the market before selling your existing one, or quickly solve a property chain problem with minimal disruption.

Bridging finance is not just for property-related transactions. It can also be used to meet tax and VAT commitments, solve cash-flow problems in your business, and even buy business equipment and assets.

Who are bridging loans for?

Bridging loans are most commonly used by landlords, property developers, and investors to secure a property while waiting for an already existing property to be sold.

Nowadays, these types of loans are also used more often by prosperous individuals who want to benefit from a simple form of lending when buying residential properties or businesses that require fast funding for expansion or are facing cash-flow problems.

How Bridging Loans can help your Business

Short-term loans can be used to fulfil a variety of business obligations. For example, if your company receives a tax claim and is unable to raise the funds within the required period, a bridging loan may be an appropriate solution to the problem. Buying inventory and equipment could also benefit from bridging finance.

If you would like advice on whether a bridging loan is suitable for your circumstances, contact our team anytime.

When Should You Use a Bridging Loan?

Bridging loans are more and more used by borrowers as a supporting form of financing alongside longer-term loans. This form of lending should ideally be used to bridge the gap between when financing is needed and when proper funding can be secured.

How Bridging Loans can help your Business

Short-term loans can be used to fulfil a variety of business obligations. For example, if your company receives a tax claim and is unable to raise the funds within the required period, a bridging loan may be an appropriate solution to the problem. Buying inventory and equipment could also benefit from bridging finance.

If you would like advice on whether a bridging loan is suitable for your circumstances, contact our team anytime.

Types of Bridging Loans we Offer

Commercial Bridging Loans

A commercial bridging loan will help if your company needs short-term financing for a big purchase or office move. We take the trouble of finding an appropriate bridging loan and getting one of our experienced brokers to quickly arrange commercial bridging financing tailored to your needs, to match the criteria of the lender.

Short-term Bridging Loans

If you need a short-term loan and require the funds quickly, we can help you arrange funding for a legitimate purpose over a loan period of one day to twenty-four months.

Obtaining short-term bridging finance is an easy process, and loans can be secured for both residential and commercial properties, as well as for rural development areas. In some cases, other assets can be used as collateral for the loan, e.g. luxury cars, art, jewellery or other expensive personal items.

Cash-flow Bridging Loans

Cash-flow bridging financing can be beneficial for your business if you need to fund certain operations in it or if you plan to expand your business. In such cases, cash flow can help cover your short-term costs for investments, for which you expect a return in the near future.

Tax bridging loans

Businesses can use a bridging loan when a tax claim is made and the amount cannot be obtained elsewhere within the required timeframe. A bridging loan could be used to quickly raise money against a property to pay the tax bill.

VAT bridging loans

VAT bills impose a tremendous burden on businesses. Thankfully, businesses can use VAT bridging loans to mitigate their effect on the viability of a project.

We at Fast Forward Finance know how important it is to solve problems with cash flow as quickly as possible. Our brokers have extensive experience in helping businesses with their financial problems; we can help organise bridge loans for VAT purposes from £ XXX to £XXX million.

Equipment Bridging Loans

As a growing company, you may need funding to buy a new office or equipment.

Bridging funding can give you the cash injection you need to get the equipment you need; afterwards, you can repay the loan when you have generated more income.

The loan can be secured against the business premises, the equipment, or even the equity of the business.

Property Bridging Loans

If a property comes on the market that you want to buy, but you cannot wait until you sell an already existing property to raise the required funds for purchasing it, you may want to apply for bridging finance before the opportunity passes. In most cases, people look for a bridging loan to raise funds for property purchase while their current property is still up for sale.

Development Bridging Loans

By acquiring a bridging loan for property development, you can afford to buy the property first and then turn it into a viable source of income, whether by renting it to tenants or selling it for profit. This is one of the most popular bridging finance applications.

Auctions Bridging Loans

If your auction bid is successful, things will tend to move fast. You will have to pay the deposit on the property that same day and the balance within 28 days. This comes as a big demand for most people, and they may not be able to raise the full balance within the allotted period of time. This is where short-term bridging financing helps, to bridge the gap until you can obtain a long-term loan.

Bridging Loans of up to £50,000

Fast Forward Finance are experts in arranging bridging financing up to £50,000. The term of the loan is usually up to 12 months but can be extended in a number of certain circumstances.

Bridging Loans of up to £100,000

We help UK customers arrange bridging finance of up to £100,000. You don’t need a first-class credit rating to deal with our lenders. Our lenders are primarily interested in your ability to repay the loan and your exit strategy.

Large Bridging Loans

Fast Forward Finance is a specialised broker for large bridge loans. Our dedicated UK-based team of financial advisors specialise in sourcing and brokering the best possible bridging and development finance facility offerings in excess of £XXX million.

Unsecured Bridging Loans

Unsecured bridging loans are harder to obtain since banks usually insist on securing your loan against a property/asset. However, at Fast Forward Finance, we may be able to arrange this option for you.

No-credit-check Bridging Loans

At Fast Forward Finance, we ensure a flexible approach to our bridging loans and, in most cases, arrange financing for people, including those with poor credit ratings and no income verification.

How to get the right bridging loan for your business?

Getting the right bridging loan for your business is not as difficult as most people assume it to be. You simply apply on our website, indicate how much you want to borrow and for how long, the purpose of the loan, the property you want to secure the loan against, and how you plan on paying back the loan (exit plan).

If your application is considered by a lender, the next phase of the process will involve the valuation of your property and an offer. To make sure that you have access to great loan deals and reasonable terms, get in touch with us on PHONEXXX to discuss your bridging loan requirements.

What’s the typical interest rate for a Bridging loan?

The typical interest rate on a bridging loan ranges from 0.43% – 1.5% per month.

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Bridging Loan Calculator

Our bridging loan calculator provides you with a good idea of the expected interest rates and repayment costs when applying for a bridging loan.

Not only can you use our bridging loan calculator to find out what a bridging loan entails, but you can also use it to compare rates between the top available lenders on the market.

What kind of fees are involved in a Bridging loan?

Processing fees: Usually approx. 1-2% of the borrowed amount.

Monthly interest: 1%.

Exit fees: approx. 1% or more.

Brokerage fee: 1% or more after completing the loan.

Other fees to be aware of include legal fees, valuation fees, and VAT.

What are the Term Lengths for a Bridging Loan?

A bridging loan is by definition a short-term facility from 1 day to 12 months. Most bridging lenders, however, offer maturities of up to 18 months (maximum 12 months for regulated bridging loans). Some lenders also offer short-term credit facilities for up to 36 months.

What’s the eligibility criteria for a Bridging Loan?

Bridging lenders usually require collateral in the form of property. Loans can be secured on the value of one property or multiple combined properties.

The lender and the borrower enter into an agreement, whereby the service provider takes ownership of the property if the loan is not repaid as agreed.

Advantages and disadvantages of a bridging loan

Advantages of bridging loans include:

  • Sometimes available to those with bad credit
  • Can improve credit profile if repayments are made on time
  • Enables the quick purchase of a property while long-term financing is being worked out
  • Can quickly finance auction purchases
  • Sometimes more flexible than getting funding from established lenders
  • A bridging loan can be taken out within a very short time, usually a few days, which is generally faster than financing from other traditional lenders.

Even though bridging loans can be the quick ideal solution for cash-flow problems, they do have some disadvantages:

  • They can be quite expensive – typical rates range from 0.5% to 3% depending on the lender
  • Associated fees can be very expensive
  • Lenders are not flexible when it comes to the issue of late payments
  • For each month, the loan remains unpaid and attracts compound interest
  • It depends on the borrower to ensure long-term funding or to have an appropriate exit strategy. If the borrower falls behind schedule, it will adversely affect their credit profile.

What can you use a Bridging loan for?

Business expansion is one of the most common reasons for a business owner to inquire about bridging finance solutions. Bridging loans are also highly sought after in the property industry.

It can be a good short-term solution to bridge the gap between selling a property and buying a new one. Similarly, it can support land purchases. Another common use is the purchase of property or land at auctions, where a fast payment is usually needed to close the deal.

Why Choose Fast Forward Finance for a Bridging Loan?

We aim to be one of the much sought-after bridging loan brokers in the country through the following:

Unsecured loans available

We can help arrange unsecured loans from our lenders. An unsecured loan is a useful way to spread the cost of paying for a large purchase. The interest rate on an unsecured personal loan is fixed for the period, and you usually pay monthly. You don’t even have to secure the loan with property or any other form of security.

No early repayment fees

The bridging lenders that we work with have no early exit fees, and this is one of the main advantages of taking out this kind of loan with us.

Flexible or fixed term payments

At Fast Forward Finance, we arrange bridging loans with flexible or fixed payment terms on competitive rates for all of our clients and partners.

Fair decisions

Our partner lenders evaluate every application on a one-on-one basis and on the merit of the project and exit plan. This guarantees that every applicant will benefit a fair decision.

Fast Funding

We understand that speed and flexibility are everything when it comes to bridging loans. For this reason, we make sure that your application is not only tailored to your needs but that it also provides the lenders with all the relevant information that they need to consider your loan application.

We’re easy to work with

The Fast Forward Finance team strives to be always responsive, efficient, have strong communication skills and always available. We know how important tight deadlines are, and we’re there to meet them.

Stellar Customer Service

Our long success is based on our commitment to outstanding service, flexibility, and excellence in customer service, all of which are decisive factors, critical in the short-term loan market.

Transparency Every Step of the Way

We pride ourselves on being open and honest with our service – you know exactly what and when to pay.

Dedicated Account Executives

A dedicated financial broker from our team will be assigned to explain to you in detail how a bridging loan works and what information and processes are required in order for you to submit an application. In addition to that, the broker evaluates each situation and ensures that bridging finance is the right option for you.

Once your loan term has kicked off, this same executive will be with you at every step of the process to make sure that your experience is as seamless as possible.

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Some of the Sectors we lend to:

  • Retail Businesses
  • Bars & Restaurants
  • Hotels and B&B
  • Hair & Beauty
  • Dentists & Opticians
  • Vets
  • Auto Garages & MOT.

How does the application process for a Bridging Loan work?

Step 1: Fill out an application form and submit the relevant documents.

Step 2: We will investigate to ascertain your personal circumstances.

Step 3: We will then provide the lender with all the necessary information to assess and approve the credit risk.

Step 4: The property used as collateral for the loan must be valued to ensure that it covers the loan.

Step 5: If everything stacks up, you will receive an offer from a suitable lender or lenders.

How to apply online for one of our Bridging Loans

You can apply online for a quick answer today by filling out and submitting our short application form. Our loan application process is straightforward and seamless.

Simple Qualifications

The qualification for a bridging loan mainly depends on the strength of the exit. If yours is viable, you have half the battle already won. From there on, you will only have to worry about securing the best deals.

Super-fast Approvals

Bridging loans can be accessed quickly because, unlike traditional mortgages, they do not require extensive paperwork or checks, and are therefore relatively easy to obtain.

Easy Application Requirements

Common criteria such as income and creditworthiness are not so important for bridging lenders. What lenders require is that you are a property owner, are over 18 years old, and that you can show proof of a reasonable exit strategy. The loan amount is then determined and guaranteed by the value of the property.

Want to Check your Eligibility Before you Apply for a Bridging Loan?

We don’t believe in making it difficult for our customers. We never have. For this reason, we have created a suitability test system that you can use to check how eligible you are for a bridging loan before you apply.

Bridging Loans FAQs

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Still have questions?

To discuss your loan bridging requirements, please fill out our inquiry form. A specialist advisor will contact you to offer a free, non-binding initial consultation. Get in touch today!