UK SHORT TERM CAPITAL AND BRIDGING FINANCE
Fast, flexible bridging finance, built for speed.
When time-sensitive property deals or unexpected delays put pressure on your plans, waiting months for standard bank funding isn't an option.
Bridging finance provides short-term capital designed to secure property acquisitions, fund refurbishments, or bridge chain breaks without losing momentum. At TrustTree Commercial Finance, our instant rate-matching technology and hands-on expert support helps you compare real-time options across 150+ UK bridging lenders.
What is a bridging loan & how does short-term capital work?
A bridging loan is a short-term, asset-backed loan designed to "bridge" a financial gap until long-term funding (such as a commercial mortgage) is secured or the property is sold.
Unlike traditional mortgages that focus heavily on historical trading accounts, bridging lenders prioritize the value of the underlying asset and a viable exit strategy.
Loan Term Length: Short-term facilities typically structured from 1 to 24 months.
Flexible Interest Structures: Interest can be retained (rolled into the loan so there are no monthly payments), rolled-up, or paid monthly to protect cash flow.
Loan-to-Value (LTV): Typically up to 75% LTV (and up to 100% LTV with additional property security).
Repayment via Exit Strategy: The loan is repaid through an agreed "exit"—most commonly selling the asset or refinancing onto a long-term commercial mortgage.
Compare real-time bridging rates across 150+ UK lenders.
Bridging rates vary widely based on property location, loan size, LTV, and exit route. Approaching a single bank limits your options.
The TrustTree Live Rate Tracker scans established banks, specialist non-bank funders, and private capital pools to find facilities tailored to your timeframe.
Instant Indicative Rates: View live monthly interest rates, arrangement fees, and exit costs matched to your property profile.
Whole-Market Transparency: Complete visibility across 150+ UK lenders with zero hidden fees.
When should you use bridging finance?
Auction Property Purchases: Secure property funding within strict 28-day auction completion windows.
Property Chain Breaks: Prevent a property purchase from collapsing when a buyer in your sale chain drops out.
Unmortgageable Properties: Fund acquisitions for properties in poor repair that traditional banks won't lend on until refurbished.
Property Refurbishments & Conversions: Fund light-to-heavy refurbishments or commercial-to-residential conversions before refinancing.
Time-Sensitive Commercial Acquisitions: Lock down prime real estate or business assets before competitors step in .
From rate comparison to completion, fast.
1
You See Live Rates
Input your details, loan amount, and estimated loan term into our rate tracker to see matching options.
2
We Review All Info
A specialist commercial broker will review your details and be in touch within 24 hours to discuss and gather any further information.
3
We Go to Market
We coordinate property valuations and legal solicitors to streamline underwriting.
4
You Get Approved
Funds are transferred directly to your solicitor so you can complete your purchase or project without delay.