This website is owned and operated by Reform Financial Ltd – company number 13084762. Registered address – 124 City Road, London, England, EC1V 2NX. Licensed under the Information Commissioners Office (ICO) for data Handling; DPA No ZA840802.
Bridging Finance
Unlock up to £50m fast when you need it most with Bridging Finance. Check your eligibility for free.
- Whole of market panel
- Preferential rates
- Terms between 1-24 months
- Tailored to your industry
- Lender arrangement fees as low as 1%
- Whole of market panel
- Preferential rates
- Terms between 1-24 months
- Tailored to your industry
- Lender arrangement fees as low as 1%
Our Bridging Finance Options
Residential Bridging Loans
Ideal for purchasing or renovating residential properties, including buy-to-let investments.
Commercial Bridging Loans
Perfect for acquiring or upgrading commercial properties, from offices to retail spaces.
Auction Finance
Enables quick funding for properties purchased at auction, with fast approval to meet tight deadlines.
Refurbishment Bridging Loans
Supports light or heavy refurbishments to increase property value before resale or refinancing.
Development Bridging Loans
Provides interim funding for property developers during construction phases.
Bridge-to-Let Loans
Smoothly transition from a short-term bridge loan to a buy-to-let mortgage, easing property acquisition stress.
Second Charge Bridging Loans
Unlock additional funds by securing a second charge loan on an already mortgaged property.
Land with or without planning
Finance the purchase of land, whether or not planning permission is in place, to keep your project on track.
Chat with our friendly team today to see what’s possible for your business.
- Free quote
- Tailored to your business
- No obligation
Bridging Finance Solutions Tailored to Your Goals
At Reform Financial, we offer fast and flexible bridging finance tailored to meet your unique needs. Whether you’re securing property, managing cash flow, or funding a refurbishment, our expert team delivers efficient solutions to help you act quickly on opportunities or resolve short-term financial challenges.
What is Bridging Finance?
Bridging finance is a short-term loan designed to cover immediate funding gaps, often used to:
- Purchase property quickly.
- Finance refurbishments or developments.
- Manage transitions like refinancing or resolving cash flow issues.
Our bridging loans are tailored for speed and flexibility, helping you navigate financial complexities with confidence.
Getting Bridging Finance with Bad Credit
Struggling with credit issues? At Reform Financial, we believe your financial history shouldn’t stop you from achieving your goals.
Our bad credit bridging loans provide:
- Inclusive Lending Criteria: Our focus is on the value of your property or assets, offering solutions even if your credit history isn’t perfect.
- Fast Access to Funds: We provide quick approvals, ensuring you receive the support you need, even in challenging financial circumstances like CCJs or defaults.
- Customised Options: We partner with lenders experienced in offering flexible finance tailored to unique situations.
Whether you’re purchasing property, resolving cash flow issues, or refinancing, we’re here to help you overcome financial barriers and seize opportunities.
Explore Bad Credit Finance Options Today
- Free quote
- Credit-friendly
- No obligation
Our Bridging Finance Process
Discovery Call
We’ll discuss your goals, assess your needs, and search the whole market to find the best lender with the right terms for you.
Property Valuation
We’ll arrange an online or physical valuation, depending on the lender’s requirements, to keep things moving quickly.
Fast Funding
Once valuation is complete, we’ll take your case through the legal process with precision and efficiency to get you funded.
Get your free, bespoke, no obligation quote in minutes
Bridging Finance - Your Questions Answered
Bridging Finance is a very quick and versatile finance solution which means it can be used for a variety of different business projects and solutions. We answer some of your Bridging Finance questions:
That’s what we’re here for. Ask us questions and we’ll give you the information you need to make a decision. We will never push you into anything, instead we will present you with all of your options so you can decide if a Bridging Loan is right for you.
The short answer is none, as the majority of Bridging Loans are secured by a charge on your property or properties.
This all depends on how quickly we can work together to get the necessary documents but if that process is speedy then in a lot of cases funds can be with you in as quick as 5 working days. However, the average amount of time to complete the whole process is 2 weeks.
We can usually provide an indicative quote without anything other than top level information (annual turnover, years trading etc). Each lender requires different documents which will usually include include annual accounts, business bank statements, and directors ID.
More often than not the answer is ‘no’. This is due to the nature of the loan and how quickly a Bridging Facility can be set up. However, this is not always the case so it’s always worth having a chat with us to see what’s possible.
As previously mentioned, we are an ethical broker. We will only ever put you in front of one of our lenders if we believe you and your business are in healthy order and there is minimal risk involved when taking out a Bridging Loan. With this in mind we are yet to experience a client that has not completed the term of their Bridging Facility.
Why Bridging Finance is the Smart Choice
Time-Sensitive Property Purchases
Secure the deal before traditional funding options are ready.
Project Flexibility
Finance refurbishments, developments, or unexpected costs seamlessly.
Credit Challenges
Access solutions tailored for those with less-than-perfect credit.
Your Bridging Finance Journey Starts Here
- Free quote
- Tailored to your business
- No obligation
FAQs
Our job is to listen to your business needs and source you the most appropriate funding. Here’s some reasons why behind every exceptional business is an exceptional broker…
1. Brokers offer expert financial guidance
Over 60% of the clients we work with think they need one type of finance when another type of finance would be much more suited. Allow us to explain your options to you so you can choose the most appropriate finance for your business.
2. Brokers save you time and money
This is our job: we listen to what you need and then go to the market to find you the best deal. We have preferential rates and superb relationships with our lenders so we won’t be beaten on price or customer service.
Shopping around for the perfect finance is a full time job that most business owners find takes too much time and is often too confusing. Allow us to work on your behalf and save yourself time and money.
3. Brokers are on your team
Dealing with a broker means dealing with an individual. We take the time to build a relationship with you and always have your best interests at heart – when you win, we win! We hate being passed pillar to post as much as you do so at Reform you will only ever deal with one person who will get to know you and be on your side at all times.
Our process is the most friendly and efficient you will find. There’s no obligation, and we won’t perform credit checks, give you false hope, or waste your time. 99% of the time we can come back to you within 60 minutes of your enquiry.
1. Quick and easy consultation – our experienced and helpful team will ask some top-level questions including information about your business and needs
2. Shortlist and indicative terms – We use our expertise to match you with the very best and most appropriate lenders and come back to you with initial offers
3. Once you are happy with an initial offer, and you want to discuss your needs in more detail with your desired lender, we will connect you. We are here to help throughout the whole process, so you can contact us any time you have a question or need any help
Unlike the majority of other brokers, we never charge any fees. We are extremely confident about the service we provide, so there is no need for us to rely on hidden or unnecessary fees.
Instead we receive a commission upon completion of a job, when you are happy. This commission is offset against the lenders commission, so it will never cost you more to use our service. And because we get paid after we’ve done an exceptional job, it’s always in our best interests to go above and beyond.
We have spent a considerable amount of time building strong relationships with our lenders. We decided to choose quality over quantity with our panel while making sure you have enough options.
Currently we have 200+ trusted lenders who have all delivered exceptional results time and time again. We also have specialist lenders within each sector. Our panel ranges from high street banks, challenger banks, tier 1, 2, and 3 lenders, private funds, debt/equity partners, and Super High Net Worth Individuals.
Never! We are not here to make a quick buck. Instead, we are in it for the long game and will continue to build a business that stands head and shoulders above the competition when it comes to customer service and respect for our clients.
You will receive the same friendly, caring service whether you need your funds yesterday, have a potential project in 6 months, or are just window shopping. Feel free to use our service to benefit you and your business and we will always be more than happy to help.
Reform Financial help thousands of companies and individuals to find the right financial support. The main benefit of speaking with us is that we do not offer advice, but instead we can give you a comprehensive understanding of all of our services, and guide you through the process should you decide that one of our solutions is for you. If you need more information please feel free to visit our Complaints Policy and Privacy Policy.
Contact Us
Reform Financial Limited
124 City Road
London
England
EC1V 2NX
Reform Financial Limited is registered in England and Wales under company number 13084762. Reform Financial Limited does not administer or provide advice relating to any business finance products. Reform Financial Limited can introduce applicants to a number of finance providers based on the applicants circumstances. Reform Financial Limited do not charge for this service but may receive a commission from lenders or other brokers for such introductions.