Bridging Loans
Flexible bridging finance to suit your needs


or call us on
01244 389304

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Over 250 funding lines

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Decisions within 48 hours

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Funds in as little as 48 hours from acceptance

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Borrow from £50,000

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3 month to 3 year terms

Bridging Finance

Bridging Finance literally means ‘to bridge the gap’, this can be taken in a number of ways; to bridge the gap before entering into a long term mortgage, or to bridge the gap between contracts where cashflow will be an issue.

Whether you are private individual or a UK registered business, bridging loans can be secured on a range of property and land, providing it is located within the UK.

If you are looking for quick completion of a property purchase, to raise capital for cashflow or to help repay adverse debt then bridging finance can be a suitable option.

How to apply for a bridging loan?

  1. Fill out our application form in less than 5 minutes
  2. Your application will be allocated to your dedicated case manager
  3. Your case manager will be in touch within 4 working hours
  4. They will collect all required documents to process your application
  5. You will receive a decision within 48 hours in most circumstances
  6. You will receive your funds within 48 hours of acceptance in most circumstances

Frequently Asked Questions

How much does bridging finance cost?

Bridging finance has become a very competitive market in recent times with all the major banks looking to gain a foothold in lending in this sector. Each lender has a key USP that helps them become tailored in the market space.

Some have gone for the low pricing model, however this impacts the speed for completion whilst others look at a very quick turnaround whilst charging higher rates. Rates start from 5% flat rate per annum.

What bridging loan terms are available?

Bridging loan terms are available from 3 months to 3 years.

How do I repay a bridging loan?

There are two main options for repayment of a Bridging loan and they are:

  • Serviced – This means you pay the interest of loan only on a monthly basis, with the full capital due at the end of the term.
  • Retained/ Rolled – This means all capital and interest is kept back until the end of the term where you will pay both in one bullet payment.

What type of charges can I take and what do they mean?

  • 1st Legal Charge – this means that the Lender takes first position on the title deeds. This is the strongest position a Lender can be in and will usually offer better rates to be lodged in this position.
  • 2nd Legal Charge – This means that the Lender will sit behind the first charge holder on the title deeds offering a premium rate due to higher risk if the LTV becomes tight. We will need consent from the first charge provider to place this charge.
  • Equitable Charge – This is a very specialist type of lending and does not require the consent of any of the legal charge holders. This can be an expensive option however is useful when dealing with banks who do not wish to grant the 2nd charge. Very rarely are Equitable Charges granted when a 2nd charge is in place.

How long does it take before my bridging loan is paid out?

We can have funds ready for you within 48 hours of acceptance of the loan, however for the more complicated cases this can take up to 4 weeks.

Each case is different, and it will very much depend on a number of variables.

Using Bridging Loans

We assist investors and borrowers to increase their spending power by obtaining the best funding options and facilities, quickly and easily.

What can be used to secure bridging finance?

RLA Capital have over 40 years of experience in providing specialist bridging finance facilities. This coupled with our outstanding customer services levels and extensive funder panel leaves us best placed to benefit your business in this area. Please do not hesitate to contact a member of our dedicated team to discuss further.