bridging


Bridging loans & Short term property finance

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What is bridging finance?
How does bridging finance work?

A bridging loan is a short term loan, secured against property. Used for a variety of situations, typically for speed or to finance an unmortgageable property.

Interest is typically part of the loan so that there are no required payments during the term.

Learn more

Are bridging loans expensive?
Costs and interest rates for bridging loans

Taking a bridging loan means paying a monthly interest rate of between 0.45% and 2%. The interest rate will depend on a number of factors but the cost should be mitigated by the overall profit of the transaction.

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Can you get 100% bridging finance?
100% Bridging loans

100% funding in any situation is rare – but in bridging finance it is possible. Where a property is being purchased under-value or you have other property or business interests in the background it can be possible.

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What can a bridging loan be used for?
Uses for bridging finance

Bridging finance can be used for a number of issues which make a regular term mortgage unsuitable; time-sensitive purchases (especially auctions), refurbishments, conversions, chain-break funding and downsizing, raising funds for business purposes and below market value transactions.

Learn more


What can a bridging loan be used for?


Time sensitive purchases
How does bridging finance work?

A bridging loan is a short term loan, secured against property. Used for a variety of situations, typically for speed or to finance an unmortgageable property.

Interest is typically part of the loan so that there are no required payments during the term.

Learn more

Refurbishments
Costs and interest rates for bridging loans

Taking a bridging loan means paying a monthly interest rate of between 0.45% and 2%. The interest rate will depend on a number of factors but the cost should be mitigated by the overall profit of the transaction.

Learn more

Conversions
100% Bridging loans

100% funding in any situation is rare – but in bridging finance it is possible. Where a property is being purchased under-value or you have other property or business interests in the background it can be possible.

Learn more

Chain-breaking & downsizing
Uses for bridging finance

Bridging finance can be used for a number of issues which make a regular term mortgage unsuitable; time-sensitive purchases (especially auctions), refurbishments, conversions, chain-break funding and downsizing, raising funds for business purposes and below market value transactions.

Learn more

Business lending
Uses for bridging finance

Bridging finance can be used for a number of issues which make a regular term mortgage unsuitable; time-sensitive purchases (especially auctions), refurbishments, conversions, chain-break funding and downsizing, raising funds for business purposes and below market value transactions.

Learn more

Below market value transactions
Uses for bridging finance

Bridging finance can be used for a number of issues which make a regular term mortgage unsuitable; time-sensitive purchases (especially auctions), refurbishments, conversions, chain-break funding and downsizing, raising funds for business purposes and below market value transactions.

Learn more


Can I get a 100% bridging loan?


100% bridging loans
How does bridging finance work?

A bridging loan is a short term loan, secured against property. Used for a variety of situations, typically for speed or to finance an unmortgageable property.

Interest is typically part of the loan so that there are no required payments during the term.

Apply now


Bridging loan rates and costs



What is bridging finance?

What is bridging finance?
Pubs, hotels & restaurants without the requisite accounts

Sometimes you find the perfect business but the current owners just are not trading it to give us the proof we need that you can repay a commercial mortgage.

That can be for a number of reasons;

  • The unit is closed
  • The unit is being run by tenants or relief management, meaning that the vendor does not have access to the accounts (this is the case when a pub company is selling)
  • The unit has under-traded, due to the retirement of the owners or ill health
  • It’s a brand new site being developed

Whatever the reason, as long as you can produce a comprehensive business plan (we can help with this) then the funding can be arranged to make the purchase.

Over the years we’ve known customers double the value of outlets by buying at the very bottom of the market and being able to trade them successfully.

The failure of the previous owner does not need to make a pub, hotel or restaurant site unviable, it may mean that they had the wrong business model or were the wrong operators.

If you are the right operator with the right plan – funding will be available.

Apply now



Contact us


The Acorn.finance FUNDED process

To ensure every Acorn.finance customer gets the same access to the very best funding sources we’ve developed a 6 step sequence that we’ll work through with you to ensure you get the funding you need, for both now and for the future of your business.

F – Facts – before we start it’s important for all the business facts, financials and background to be available.

U – Understanding – only by understanding you and your business will the solution be the best for your growth plan.

N – Needs – by fully understanding your plans we’ll work with funders who will meet your needs both now and for the future.

D – Discuss – working with our panel of the best funders in the market we’ll work through your case with them to ensure they understand your needs in detail.

E – Execute – by using Acorn.finance to arrange your funding you save hours of time spent on calls and applications. We work with the finance company to streamline every finance case.

D – Deliver – we work hard with all the professionals involved to ensure you get the funding you need, in good time.


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