Short Term Bridging Loans

Table of Contents

*Rates and fees may need to be amended to reflect current market conditions.

Welcome to Fast Forward Finance

Fast Forward Finance is a well-established bridging finance broker in the UK.

As a bridging broker for short-term loans in the UK, we are committed to providing our clients with consistency in operation and absolute accountability.

We strive to have access to the best prices in bridging loans, development financing, and commercial short-term loans, allowing us to offer fast funding that is sustainable.

If you need a short-term bridging loan for your business or investment project, don’t hesitate to get in touch to take advantage of our expert services.

A Trusted Capital Source for over Xnumber of Businesses

At Fast Forward Finance, we try to maintain a commitment to developing tailor-made bridging loan solutions that fulfil business owners’ needs for short-term financing across a wide variety of industries.

Since our inception, we have strived to develop into a reliable source of capital for a great range of UK companies.

When it comes to finding short-term funding, you too can take advantage of our expertise.

A Proven Track Record in Providing Bridging Loans

Fast Forward Finance is committed to providing fast and convenient access to a wide variety of short-term loan products that deliver straightforward and succinct information on bridging finance to UK borrowers.

Fast Forward Finance strives to maintain an established track record of supplying consumers with short-term loan options for over XXX years, and to have an experienced team of professional case handlers well-positioned to deliver a tailor-made approach for each case.

Our Bridging Finance Specialist Team

We aim to be known as one of the leading bridging experts in the UK for our ability to arrange even in the most complex situations, such as for clients with CCJ default, insolvency cases, and even bad credit.

A blend of expertise, industry knowledge, and world-class customer service is what we strive toward, so as to provide our customers with access to industry leading lenders.

Therefore, using Fast Forward Finance, you should be assured that we can provide excellent support and all the benefits of dealing with a professional and approachable bridging finance broker.

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What is a Short-term Bridging Loan?

Short-term bridging loans are short-term loans backed against properties or assets that are used to bridge the gap in capital shortage before long-term funding can be negotiated.

Short-term bridging loans are ideal for businesses, investors, developers and homeowners who quickly need cash in the short-term to meet project funding until they can sell a property or raise the cash from somewhere else.

The secret to short-term lending performance is ensuring a successful exit plan is securely in place before applying.

What is a Short-term Bridging Loan Secured Against?

Short term bridging loans can be secured against almost any form of property asset including commercial property, residential property, buy-to-let homes, properties under development, and land, and can be obtained as a first or second charge as long as there is sufficient equity in the property to be used as security.

Loan contracts usually last up to 18 months, with cumulative interest paid monthly; as such, they’re much costlier than other forms of guaranteed home loans.

Can you get an Unsecured Short-term Bridging Loan?

Sure, you can. Unsecured bridging loans are more difficult to get hold of because lenders usually insist on protecting the debt against some form of property or asset. Unsecured loans can, however, can be given to those with a decent or, better still, excellent credit score. This is because as an unsecured loan, the burden is greater for the lender, because it is not backed by any guarantees. If you need an unsecured bridging loan and have an excellent credit record, we may be able to work out something for you. Why not get in touch to explore the options available to you.

Borrow up to £XXX with Fast Flexible Short-term Bridging Loans

At Fast Forward Finance, we may arrange short-term bridging loans of amounts up to £XXX for borrowers that meet the lenders’ criteria. These loans typically run for periods of three months to eighteen months.

If you need such an amount to meet business or project obligations, get in touch to see if we can organise such an amount for you.

Short-term Bridging Loans for your Short-term Finance Needs

A short-term bridging loan is a short-term lending product primarily designed for borrowers who need immediate cash for a limited amount of time and have a well specified exit path, i.e. a secure way of repaying the debt before the end of the loan term.

When you need a fast fund for one or another initiative and you have a clear and viable repayment plan in place, we might be able to provide you with a loan package suited to your closed finance needs. Get in touch to discuss more.

Why use Short-term Bridging Finance?

The property market can change very quickly, and opportunities can expire within a few days.

Where such opportunities come on the market, only investors and developers that have access to ready cash will be able to take advantage of them. This is why it’s crucial to have the correct financing available to you first.

Apart from property business, a time may come when you need extra capital to handle non-property transactions in your business.

Our specialised land finance department can be of assistance at Fast Forward Finance.

With years of experience in securing fast bridging loans, we have tried to build a strong network of the UK’s quickest and most reliable lenders and aim to provide you with the best possible options in a very short time.

Who are Short-term Bridging Loans for?

In general, short-term bridging loans are targeted at homeowners and property developers who wish to purchase, build or renovate a home; however, a lender’s focus is more on the situation than on the borrower himself.

If you are looking for an immediate cash injection and you have a proven strong, secure credit background, property with sufficient equity and a viable repayment plan, a short-term bridging loan may be just what you need.

For more information on the bridging loans we offer, please fill out a free quote request in our easy inquiry form or call PHONEXXX to speak to someone.

When Should you use a Short-term Bridging Loan?

There are a number of situations when getting a short-term bridging loan could be the ideal solution to your funding problem.

Bridging loans can be used for a number of purposes. Commonly we see this finance used for:

  • Property purchases
  • Property refinancing
  • Fixing short-term cash-flow problems
  • Paying a deposit or full amount for property bought in an auction
  • Renovation, conversion, or development of building projects

Every situation is unique and each loan is handled as such, but we are committed to providing a high quality and straightforward service to all.

How Short-term Bridging Loans can help your Business

Short-term bridging loans can allow business owners make strategic acquisitions, acquire properties, or make other useful purchases.

Borrowing in this fashion can often be an ideal solution for a small or medium sized business., helping to bridge the gap between cash-flow problems and when a cash infusion is expected from one source or the other.

Bridging loan lenders can lend in cases where more conventional lenders will not, and can offer loans in a much quicker time span if it needs a fast completion, as long as all the criteria are met.

That way, your business can easily collect the cash it wants, and you don’t miss a decent sales opportunity or suffer from business interruption.

How to get the Right Short-term Bridging Loan for your Business?

For a number of purposes, short-term lending backed against a property is commonly used by property buyers and developers as well as business owners.

Rates can vary greatly, however, and choosing a lender who can provide the most favourable terms for your business will mean looking at the deals of other lenders across the entire industry.

But this is not always easy. Which is why you need an expert bridging loans broker such as Fast Forward Finance. We can explore all the available rates in the market to find the one that best suits your circumstances.

That said, the following will boost the odds of obtaining the right bridging loan for your company in the short term:

  • A reasonable exit strategy
  • Good credit rating
  • Experience in property
  • A suitable source of security or collateral

What’s the Typical Interest Rate for a Short-term Bridging Loan?

The bridging loan rate is the interest charged while the loan is outstanding. The rate can be determined by many factors such as whether the bridging loan is closed or open, secured or unsecured, and so on.

Other factors that can affect interest rate are: the size of the loan, the type of property, and credit rating of the borrower. The interest rates on bridging loans range from 0.49% to 1.5% depending on these circumstances.

Because each lender’s rate is different, you may have to compare multiple lenders in order to get a suitable deal. At Fast Forward Finance, we can use our expertise, industry knowledge and experience to source out great short-term bridging loans for you.

Get in touch with us to talk about your financial situation so we can explore options together.

Short-term Bridging Loan Calculator

As a result of the many new bridging loan providers entering into the market, getting the right option is more difficult. That’s why we’ve created an easy-to-use calculator to make things easy for you.

Before applying for a bridging loan, use our bridging loan calculator to get a fair idea of the projected rates and interest costs. This way, you can have an idea of what to expect when you get a short-term bridging loan.

What Kind of Fees are Involved in a Short term Bridging Loan?

Short-term bridging loan payments can vary significantly based on the case, with many factors affecting bridging financing rates, such as the form of security and the loan value of the property.

Other additional expenses you should be mindful of include: a surveyor’s valuation fee, an exit fee (for lenders that require exit fee), an arrangement fee, and a legal fee for both lender and borrower, usually paid for by the borrower.

It is important that you know what fees you will be paying before going forward with any bridging loan plan. If you are not sure how to proceed, get in touch to talk with an expert on our team.

What are the Term Lengths for a Short-term Bridging Loan?

Most bridging loans are expected to be repaid within 6 to 7 months, but the terms can range from only 24 hours to a full year, depending on the specific lender.

However, bridging financing can also be structured for a period of 18 months or more based on the conditions of the person borrowing.

What’s the Eligibility Criteria for a Short-term Bridging Loan?

Bridging lenders usually require that short-term bridging loans be secured against fixed property assets. Loans can be secured against one or more property. Additionally, the borrower will have to be at least 18 years of age, a UK resident, have good credit, and be able to show proof of a viable repayment strategy.

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What Type of Security can I use when Applying for Short-term Bridging Finance?

Most bridging loans providers are very flexible when it comes to the security requirement for a bridging loan.

Examples of property assets that may be used as collateral include primary homes, office properties, projects for mixed use and construction plots, buy-to-lets, and even landed properties.

Advantages and Disadvantages of a Short-term Bridging Loan

Advantages of a Short-term Bridging Loan

  • No long-term complications unlike a mortgage from a bank or building society
  • Applicants with adverse credit rating may also apply
  • Can improve credit profile if repayments are made on time
  • Can provide quick finance for property purchase either on the open market or in an auction.
  • More flexible and easier to obtaining finance from mainstream lenders
  • A loan can be completed in a matter of days to a number of weeks which is generally quicker than obtaining finance from traditional credit sources.

Disadvantages of a Short-term Bridging Loan

  • Can be very expensive. Typical rates from 0.5% to 3% depending on the lender
  • Additional fees can make the total figure quite expensive
  • Lenders are not very flexible when it comes to defaults and late payments
  • The borrower must secure long-term finance or have a suitable exit strategy in order to qualify for a bridging loan.
  • If the borrower defaults, it will adversely affect their credit profile and their security may have to be forfeited.

To avoid making expensive mistakes when taking out a short-term bridging loan, it is advisable that you get financial advice from an independent financial advisor or bridging loans broker before considering a bridging loan.

What can you use a Short-term Bridging Loan for?

Usually, a short-term bridging loan is used for property construction projects and may be used for industrial or residential purposes.

It can also be used if you want to purchase a home while waiting for an old one to be rented. Alternatively, you can use a bridging loan if you want to purchase commercial premises but do not have funds available immediately.

A short-term bridging loan may also be used to fill the difference between where the cash-flow issue is acute and when financing is required. For example, it can be useful if you want to purchase products but can’t wait until payment from current clients is due. There are so many situations where a short-term bridging loan can be the ideal solution.

If you are not sure whether a short-term bridging loan is right for you, contact us on PHONEXXX to talk more about your options.

Why Choose Fast Forward Finance for a Short-term Bridging Loan?

Wondering why you should choose Fast Forward Finance for your bridging loan process? Here are some reasons why you should choose us.

Unsecured Loans Available

Unsecured loans are non-collateral bridging loans. The lender may not require you to pledge any property as security but they will carry out a series of background checks to determine whether or not you are an acceptable risk.

Unsecured loans are typically for applicants with good credit rating; however, they are more expensive than secured loans.

If an unsecured loan is what you want, we may be able to put something together for you. Get in touch with us to talk more about your options.

No Early Repayment Fees

The rewards of bridging finance are numerous, but the most notable is that the borrower typically does not suffer any penalties for early repayment.

However, while we do our best to get lenders who do not charge early repayment or exit fees, certain lenders may have this as part of their policy. You will be informed if there are such fees before you proceed with the loan.

Flexible or Fixed-term Payments

At Fast Forward Finance, we aim to arrange either a fixed short-term loan, or a flexible short-term loan according to your requirements. It all depends on your loan situation and what you intend to achieve, as well as your exit strategy.

Why not get in touch to explore all your bridging loan options.

Fast Funding

If you need fast funding to finance for a property development, bridging finance can provide you with a short-term interest only loan with terms that are often more flexible than other types of finance.

Once you can meet all the lender’s criteria, and every other thing checks out, funds can be transferred to you as soon as possible.

Fair Decisions

At Fast Forward Finance, we try to work with lenders that are known to make honest and fair decisions concerning short-term loan applications.

We are Easy to Work With

Fast Forward Finance strives to be very easy to work with. Our numerous customers can testify to the ease of doing business with us.

Don’t take our word for it, check our testimonials page to see what others are saying.

Stellar Customer Service

Our goal at Fast Forward Finance is clear, providing the best, fastest and most user-friendly bridging loan broker services in LOCATIONXXX. Take advantage of our 24/7 customer services to get the help you need.

Transparency Every Step of the Way

As part of our pledge to accountability, we strive to work with bridging lenders whose terms and prices are absolutely transparent from the outset.

Therefore, you can be confident that there will be no unpleasant surprises in the future as everything will be made clear and plain from the very beginning.

Following the FCA rules

As a fully independent loans brokerage company, we follow the FCA rules for loans and other financial transactions. Our partner lenders are also regulated by the FCA, meaning that all the products we provide meet the high standard for quality.

Dedicated Account Executives

Regardless of whether you need an unsecured or secured bridging loan we always try to find the best personalised solution that will meet your requirements.

Our products and services come with expert guidance and a dedicated account manager to guide you at every step of the way.

If you want to explore the finance options readily available to your business, please contact us today.

Some of the Sectors we lend to:

  • Retail businesses
  • Bars and restaurants
  • Hotels and B&Bs
  • Hair and beauty salons
  • Dentists and opticians
  • Vets
  • Auto garages and MOT centres

How does the Application Process for a Short-term Bridging Loan work?

It is our aim to provide expert bridging solutions without the complications associated with regular lending solutions, therefore, we have streamlined the process you will go through when applying for bridging finance.

Basic enquiry: In an introductory phone call, we aim to give free and impartial advice to each of our potential customers, where we can address the particular preferences, personal situations and the choices available.

Detailed quote and loan acceptance: It normally takes us about an hour or two to find an appropriate funding solution. Next, after one of our lenders has agreed to consider your loan application, we give you an email with a comprehensive quote.

Property valuation and legal works: If you decide to move ahead with the bridging loan application, a valuation will have to be carried out on the property you are securing the loan against. This will be done by an RIS approved evaluator and you, the applicant, will be responsible for the cost.

Based on the urgency of the situation, the requisite legal works will be carried out concurrently with the property valuation.

Completion: Once everything checks out and all the conditions are met, the loan will be approved and the funds can be released to the borrower either immediately or as soon as they are needed.

Applying for some sort of credit or loan can be an overwhelming task, but we’re on hand here at Fast Forward Finance to help you through the task and offer support and guidance if you need it.

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Simple Qualifications

At Fast Forward Finance, our partner lenders have a very flexible qualification process for loan applications.

It does not take much to qualify. As long as you reside in the UK and can show proof of income and a viable exit plan, you may qualify for a bridging loan.

Easy Application Requirements

Bridging loans are very fast and easy to apply for, and can be done in a matter of minutes as the whole process is immediately handled online.

Super-fast Approvals

Fast Forward Finance endeavours to work with lenders who quickly evaluate loan applications and provide near instant approvals. This means that you can know your loan status within a few hours of application.

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

We offer a special eligibility test designed to help you identify a lender that not only meets your specific funding needs but is more likely to approve your application based on your personal circumstances.

There’s no background check involved, just answer a few questions and you can find out if you are eligible to move forward with a short-term bridge loan application.

Still have Questions?

If you have questions about bridging loans, we are available 24/7 to provide the information you need and answer your questions. Contact us today and contact us by email or phone. We look forward to hearing from you.