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Funding options


Business Bridging

  • 1 to 24 months
  • No Minimum or Maximum amounts
  • Competitive monthly rates
  • Non-status and full status

Fast, Expert Support

  • Dedicated, Specialist Account Manager throughout the transaction
  • Funding available within 3 working days
  • Bridge short-term funding gaps
  • Adverse Credit – no problem


  • Fund time sensitive deals
  • Any business use
  • Can be used for re-finance
  • Enhanced financial flexibility

Talk to Rangewell – the business finance experts

Bridging finance can help you secure a property or fund a major business deal. We know the bridging finance providers that can provide the high level funding you need, fast.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

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Bridging Loans

Arrange your FREE 30-minute consultation today with our Bridging Loan experts.

Bridging loans are often used to fund property purchases, but there is no restriction on how funds can be used. So if you are faced with a sudden expense, or if you need finance to take advantage of an opportunity, a bridging loan secured on a property you already own could provide the answer.

Table of Contents

What is a bridging loan?

A business bridging loan is a short-term loan secured against property.

The property can be residential, such as buy-to-let flats, or commercial, such as offices, factories or warehouses. The loan can be used to buy the property itself, or as funding for any other business purpose.

It's called a bridging loan because it is designed to bridge a short-term funding gap. Bridging loans are usually repaid quickly, either by the sale of the property or by another finance product designed for the long-term, such as a mortgage.

The loan can be as short as one day and run up to a maximum of 12 months. Loan amounts start at around £25,000, and there is no maximum.

Looking for quick funding?

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How does a bridging loan work?

Typically, you can borrow between £50,000 and £10 million with a bridging loan. The amount you can lend will depend on how much equity you have. The maximum loan is usually linked to 75% loan to value. The loan is then secured on the property or multiple properties to raise the required funds. 

A bridging loan is either paid back by the sale of the property or by raining finances through a traditional mortgage route.

If you're thinking about growing your residential property portfolio, speak to Rangewell today.

Short Term Bridging Loans

Bridging loans are intended to let you deal with urgent needs or to take advantage of opportunities as they come up so will be ideal when buying a property at auction. It is essential that you can have the loan agreed and the funds you want in the shortest possible time. Bridging Loans can be arranged within a matter of hours, and funds released in as little as 72 hours, under certain conditions.

Large amounts are involved, and lenders offering bridging finance will carry out detailed checks and apply conservative lending criteria, but are able to make rapid decisions because they can work without the bureaucracy that slows down many traditional lenders.

Who can get a bridging loan?

Typically, bridging loans are aimed at landlords and amateur property developers. However, lenders will focus on the situation rather than the buyer. 

A bridging loan would be ideal for people looking for the following:

  1. A fast property purchase - Bridging funds can become available within a week, much shorter than a mortgage application process. 
  2. Property refurnishment - If a property has no kitchen or bathroom and needs a complete overhaul, it can be challenging to get a mortgage. A bridging loan will make it possible to apply for bridging finance then refinance on to a long term option.
  3. Breaking the chain - a loan will be granted against the property you wish to sell for you to transfer your mortgage to a new property. Then, when the property sells, you'll redeem the loan. 
  4. Auction purchases - you should have the funds available before raising your number paddle when you purchase at auction. Bridging finance can be secured in a matter of weeks while long term finance is secured.
  5. Quick cash - A bridging loan can be used to make actual payments such as tax and VAT and support the business in temporary cash flow requirements. 

What do bridging loans cost?

Interest rates charged will vary, depending on your circumstances and your business, and the deal to be funded. Current rates can range from 0.7-1.5% per month, with even higher rates for more difficult propositions.

In addition, there may be a number of fees, including an arrangement fee which can be 2% of the loan amount, an exit fee which can equal one month's interest and surveyors' and legal fees. If the loan runs over the agreed term there will also be substantial penalty fees.

We can find many bridging solutions - from high value bridging loans to 100% bridging finance and other property and refurbishment finance. Our experts can work with you to understand your needs and use our network of contacts to find the lender with the most competitive solution.

To find out more about loan cost and loan interest rates, speak to Rangewell today. 

Types of bridging loans

There are different forms of bridge finance, and here are a few examples.

Closed bridge loans

A closed bridge loan is only available for a fixed period of time. However, these seem to be more accessible as lenders have a higher level of certainty regarding repayment of the loans. 

Open bridge loans

Open bridge loans typically have no fixed repayment date. These will be desirable for those who don't know when they'll need to access the necessary funds to pay off the loan. However, interest rates will be higher due to uncertainty around the repayment terms.

First charge bridging loans 

A first charge bridging loan is when an asset that is being used as collateral has no other encumbrance. For example, it may be owned by the borrower as the mortgage has been fully paid off. 

Get in touch with Rangewell to learn about how a charge loan may be right for you.

Second charge bridging loan

A second charge bridging loan is for those who require finance but have a mortgage on a property used as collateral. 

To find out more about 2nd charges, speak to Rangewell today.

Debt bridging finance

This is when companies take out finance to cover short term costs while waiting for finance. The loan will bridge the borrowing company to debt capital. 

Equity bridge financing

Some companies want to avoid high-interest debts, so they may decide to seek out equity bridge financing. The venture capital firm will provide the company with capital in the form of bridge financing to tide them over while they raise the equity.

IPO bridge financing

The IPO process can be expensive, so bridging finance is designed to cover expenses in the short term. The finance raised from IPO will be used to pay off the loan. 

There are many options when it comes to bridging finance

Speak to our specialist property team to find the solution for you

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Alternatives to bridging loans

Asset financing and invoice financing can be put in place quickly and provide a cheaper option for bridging finance. Other alternative lending methods are development financecommercial loanssecured loanscommercial mortgages and asset loans.

To find out how a loan term works, speak to Rangewell today.


  • Find a bridging finance deal of over £1 million to let a developer secure a property bought at auction - ensuring he could move his project forward and protecting his deposit

  • Source funding to allow an engineering company to buy a competitor - in effect doubling the size of the business overnight

  • Found a lender to advance  finance to allow a manufacturing company to buy a factory

  • Find the most competitive funding arrangement to let a chip shop buy their premises

  • Helped an industrial estate owner secure funds to buy an adjacent property at auction, ensuring scope for growth

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • For property professionals
    Professional landlords, investors and property developers all use bridging finance as part of their overall funding strategy.
  • For businesses with property needs
    Bridging loans can provide help to support all types of property acquisitions, including your own business premises.
  • Funding for any purpose
    Securing funds on your existing property can allow you to raise large-scale funding very quickly, offering a solution to deal with opportunities such as the purchase of another business.
  • For development
    Bridging loans can provide a funding solution for short-term development projects which can be refinanced at a higher value once work is completed.
  • A fast application
    Bridging financiers will look at your credit profile, the value of the asset, and your exit strategy to make a decision in the shortest possible time.
  • A single repayment
    In most cases, all fees, interest and charges can be rolled up into a single repayment made at the end of the loan term, when an alternative fund source has been arranged.

Download Rangewell’s free and detailed guide to Bridging Loans

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Frequently asked questions

Have a question?

Are bridging loans a good idea?

It's essential to weigh up the pros and cons of bridging loans before you apply.

The pros:

  • You can borrow money to keep your property plans on track.
  • You'll be able to borrow large sums.
  • Repayment terms can be flexible.
  • It will be possible to secure lending on properties where high street lenders may not

Cons of bridging loans:

  • Bridging loans are a secure form of borrowing, so you'll need to put up an asset. If you don't make your payments, you'll be at risk of losing that asset.
  • You may pay higher interest rates.
  • Bridging loans can come with fees that make them more expensive.

How long does it normally take to get a bridging loan approved?

Depending on different factors, a bridging loan can take anything from 72 hours to a couple of weeks to complete. However, lenders are experts in this complex market and can speed things up significantly when they have the correct information.

To find out about monthly payments and what you should expect to pay. Get in touch with Rangewell today!

How much can you borrow on a bridge loan?

There isn't really an upper limit on the amount of money you can borrow. The sums of money will be dependant on your situation and the lending criteria. 

If you're looking to expand your portfolio of commercial properties or if you're looking to buy an auction property, speak to Rangewell today.

Can you get a bridging loan with bad credit?

Bridging loans are always offered on a short-term basis. The most essential factor with bridging loans is the exit strategy (how you'll repay the loan at the end of the term). If you have a bad credit history, the main issue for the lenders is if that strategy is put in jeopardy.

It doesn't mean that it's impossible to get a loan when you have bad credit. 

Our brokers have access to many lenders and can put you in touch with someone who specialises in bridging loans for bad credit. 

To find out more about personal loans, mortgage deals, and mortgage advice - Speak to Rangewell today!

Our service is:


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.