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Bridging and short term loans case studies

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Bridging Loans: Bridging and short term loans case studies

Bridging and short term loans

Here are some thoughts which may help you spot short term lending opportunities.

The first thing I should say is that there are horses for courses. We now have around 20 preferred short term lenders and no single lender is ideal for everything. Whether the case you are placing is an FCA-regulated first charge, a CCA second charge, a loan on a buy to let, commercial, development, heavy adverse or for business purposes, it is important to know which lender will entertain a particular loan. Whilst rate is important, service also has to be taken into consideration and whilst some lenders provide a very slick service, there are others which are “disappointing”. All of this needs to be thrown in to the melting pot when deciding where to place a bridging loan and we can help you with this.

We find that many of our bridging cases are a spin off from a secured loan or business loan enquiry. Therefore below are some case studies which may demonstrate the diversity of bridging finance and hopefully give you ideas on how a bridging loan could be used to help your clients where cheaper or faster options are not available.

Bridging Loan to prevent bankruptcy

Our client will be made bankrupt if he can’t raise sufficient money to pay off an old business debt. As a sole trader he is personally liable and has arrears and CCJ’s plus limited proof of affordability.

A bridging loan has been arranged with the repayments taken from the advance which is to be repaid from an inheritance in three to six months time.

Bridging loan on development property with agricultural occupancy restrictions

Our client was building a farm workers cottage but had insufficient funds to make the property habitable. Despite the restricted salability, our lender would advance the required amount secured on the building plot and 20 acres of farm land with the loan being repaid from an agricultural remortgage.

Bridging loan as a third charge for a business venture

Our client had a first and second charge both of which were at very competitive rates. A further £100K was needed for business expansion without losing the excellent rates of the current borrowing. We offered his business a third charge loan which could be taken interest only over 2 years or on a capital and repayment basis up to 10 years giving the business adequate time to repay the loan.

Bridging loan to consolidate credit and facilitate a remortgage

Our broker could not arrange a remortgage as his client had over £50K in unsecured debt. He asked us to arrange a bridging loan to clear all the unsecured debt and was then able to obtain an offer of the remortgage to pay off the bridging loan.

Bridge to rebuild an unmortgageable property

Our client’s house had burned down and he had insufficient money from the insurance to complete the build. This was his main residence and he lived in a caravan on site as the house had no kitchen or bathroom. A CCA second charge bridge was arranged to allow completion of the works and then the client would sell to repay the bridge.

Bridging loan to pay off an existing bridge secured on a field

Our client had arranged a bridging loan to erect farm buildings but had under estimated the costs. His existing lender would not advance any more money so the client needed a new loan to complete the build and then sell the land and buildings.

No Equity to support a traditional bridge

Our client wants to buy a new property but is unable to sell his current house quick enough to complete on the purchase. There is insufficient equity for a secured bridging loan so we offered up to £100,000 on an unsecured purchase deposit loan which allows part repayments without penalty.

Secured bridge to buy a residential or Buy to Let property

Yes we like the straight forward cases as well.

We encourage you to talk to us about your clients requirements and tell us the whole story so we can come up with some potential solutions.

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Intermediary Guidance for Bridging Loan Cases

Structuring competitive terms on bridging loan cases for your clients requires direct access to specialist underwriters. In addition, our intermediary lending desk works directly with over 90 specialist lenders across the UK.

Consequently, partnering with Promise Money ensures whole-of-market broker access, transparent procuration fees, and rapid decisions in principle for your client cases.

Specialist Underwriting & Whole-of-Market Access

Because specialist lending facilities require bespoke underwriting, comparing lenders across the UK is essential. Explore our complete guide to Bridging Loans Desk to understand how different lending criteria apply to your requirements.

Promise Money is an independent credit broker authorised and regulated by the Financial Conduct Authority (FRN 681423). Our experienced team reviews your specific circumstances to secure optimal terms across 90+ UK lenders.

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Key Takeaways: Bridging Loan Cases Broker Briefing

Additionally, partnering with Promise Money gives intermediaries whole-of-market access across 90+ lenders with dedicated underwriter support.

Furthermore, direct access to our specialist desk protects your client relationships while ensuring transparent and competitive procuration fees.

Consequently, complex borrowing requirements—such as adverse credit or mixed-use assets—are structured efficiently without delays.

Therefore, introducers can submit case details directly online or via phone to secure rapid Decisions in Principle.

Specifically, non-regulated and regulated bridging facilities are assessed with commercial speed to meet critical completion deadlines.

Moreover, lending criteria checklists ensure your client applications are fully verified prior to formal submission.

In addition, dedicated underwriter communication guarantees updates at every milestone from enquiry through to fund release.

Crucially, flexible exit strategies including development refinance, term mortgages, or property sale are verified from day one.

In practice, our intermediary team handles underwriting hurdles and solicitor liaisons so you can focus on client advisory.

Above all, whole-of-market access allows you to place non-standard property types that mainstream lenders routinely decline.

As a result, your brokerage delivers reliable funding solutions even for the most challenging short-term borrowing scenarios.

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