Bridging Finance

What Bridging Finance does

Bridging Finance is a UK-based bridging loan broker operating as a trading style of UK Property Finance Ltd, an FCA-authorised and regulated private limited company (FRN 667602) founded in 2004 and headquartered in Leicester. The firm intermediates between borrowers needing short-term, property-secured finance and a panel of UK lenders, structuring typically 1-18 month bridging loans with rolled-up interest, no monthly payments, and LTVs up to 75%. Customers span property investors, developers, homeowners (including distressed scenarios such as repossession prevention and chain breaks), businesses with short-term cash flow needs, and self-employed individuals.

Name

Bridging Finance

Legal name

UK Property Finance Ltd

Website

https://bridgingfinance.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Bridging Finance is a UK FCA-authorised bridging loan broker (trading style of UK Property Finance Ltd) arranging short-term, property-secured loans for property investors, developers, homeowners, and small businesses, operating via phone/email advisory and a 4-step application process.

Ownership category

akta.pro rank

Headquarters

HQ city

Leicester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Broker/Arrangement Fees: Bridging Finance acts as an intermediary broker between borrowers and lenders. The company earns revenue through arrangement fees (typically 1-2% of the loan amount), broker fees, and potentially referral fees from lenders. They also handle both regulated and unregulated bridging finance cases.
2. Interest on Brokered Loans: As a broker, the company facilitates loans where lenders charge monthly interest rates (typically 0.55%-1.5% per month), arrangement fees, valuation fees, legal fees, and exit fees. While the interest is paid to the lender, the broker's role in structuring and placing the loan generates revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Bridging Finance is a UK-based bridging loan broker that connects borrowers with multiple lenders for short-term, property-secured loans typically lasting 1-18 months. The company operates a 4-step advisory process (indicative quotation, decision-in-principle, valuation and application, completion) and earns revenue through arrangement fees and broker commissions. Use cases include auction purchases, second charge loans, property refurbishment, buy-and-sell chain breaks, capital raising, stop repossession, divorce settlements, inheritance tax payment, and business finance.

Product overview

Bridging Finance operates as a UK-based bridging loan broker, providing short-term secured financing solutions. The core offering is bridging loans for property transactions, supported by a loan calculator tool and facilitated through a 4-step process (indicative quotation, DIP approval, property valuation, and completion). The company offers various loan use cases including auction property purchases, second charge loans, stop repossession, buy-and-sell scenarios, property refurbishment, business finance, capital raising, divorce settlements, inheritance tax payments, and bankruptcy situations. The service is available 7 days a week with UK-based advisors.

Differentiator

Problem solved

Functional benefit

Products and services

• Bridging Loans Short-term secured loans designed to bridge financial gaps in property transactions for UK borrowers, including property investors, developers, homeowners, businesses, and self-employed individuals. Available with terms of 1-18 months, rates of 0.55%-1.5% per month, LTV up to 75%, and arrangement fees of 1-2%.

Quantifiable outcome

• Fast decision in principle within 1-2 hours
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• UK Property Finance LtdcoreChannel Partner/ Reseller/ DistributorUK Property Finance Ltd is the parent/connected company of Bridging Finance (bridgingfinance.com is a trading style of UK Property Finance Ltd). UK Property Finance Ltd is FCA authorised (FRN 667602) and handles regulated bridging loan cases forwarded from bridgingfinance.com. The partnership is a core operational relationship where regulated cases and cases outside bridgingfinance.com's scope are referred to the connected company.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Emerging players

• Market Financial Solutions (MFS): UK specialist bridging lender with strong digital origination capability. Overlaps with Bridging Finance on product and customer, but differs in being a principal lender with balance-sheet exposure rather than a broker.
• Blue Square Capital: UK specialist bridging lender with growing direct-to-borrower origination. Comparable on bridging loan product, target property-borrower segment, but operates more as a principal lender than pure broker — represents a potential disruptor rather than pure peer.

Direct peers

• Pure Bridging Finance: UK bridging loan broker offering short-term property-secured finance with a similar multi-lender panel approach. Directly comparable on product (bridging loans), customer (property investors, developers), and distribution (advisor-led brokerage).
• Clifton Private Finance: UK bridging and specialist finance broker connecting borrowers with lenders across property-secured short-term loans. Highly comparable on broker model, use-case range (auction, refurbishment, chain break), and target customer (SMB property investors).
• Fluent Money: UK specialist lender and broker offering bridging loans, second charge mortgages, and short-term property finance. Overlaps with Bridging Finance on bridging loan products, target segment, and FCA-regulated distribution model.
• Optimum Commercial Finance: UK commercial finance broker handling bridging, development, and short-term property lending. Comparable on multi-lender panel, advisor-led GTM, and use-case breadth (auction, business, refurbishment).
• Time Finance: UK specialist finance provider and broker offering bridging loans, asset finance, and invoice finance. Direct peer on bridging product and target SMB/mid-market property customers needing short-term capital.
• Sourced Capital: UK bridging and development finance broker with a multi-lender panel. Comparable on broker model, FCA-regulated status, and use-case coverage (auction, refurbishment, buy-to-sell).
• Octagon Capital: UK bridging and development finance broker with multi-lender panel and FCA regulation. Comparable on broker model, target customer (property developers, investors), and bridging product suite.

Broad incumbents

• Knight Frank Finance: Property advisory arm of Knight Frank offering residential and commercial finance including bridging. Overlaps on bridging products and high-net-worth property customer base, but operates as part of a broader property services franchise rather than a specialist broker.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ukpropfinance

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bridging Finance