Fast bridging loans from £50,000 to £50 million. Decisions in principle are usually issued the same day – and our fastest completion took just 48 hours from start to finish.
We have whole of the market access allowing us to find our customers the best possible deal.
A fast bridging loan is short-term finance, secured against property or land, arranged at the speed a deal demands rather than the weeks or months a mortgage can take. It is used when a purchase, refinance or business need simply can't wait – an auction deadline, a below-market-value opportunity, or a property no mainstream lender will touch.
We arrange fast bridging finance from £50,000 up to £50 million over terms from 1 day to 24 months, secured on residential investment, commercial and semi-commercial property, and land. Monthly rates start from 0.55% for loans under £1 million and 0.49% for loans over £1 million.
In most cases we can issue a decision in principle the same day you come to us, so you know where you stand before you commit.
Our fastest case went from first enquiry to funds in just 48 hours, start to finish.
Straightforward cases can complete in days; most complete within a few weeks, depending on the valuation and legal work.
Bridging is usually released as a single advance on completion, so the full funds are available from day one.
A property developer needed to move quickly to buy a house. We arranged the bridging finance and the deal completed in 48 hours from start to finish.
Completions this fast are the exception rather than the rule – they need a straightforward property, a clear exit and everyone ready to move – but they show what is possible when the case is packaged properly and taken to the right lender from day one.
A quick decision in principle. We assess your case and, in most cases, give you a decision in principle the same day, so the lender and valuer can be instructed straight away.
The right valuation. A full physical valuation can take a week or more to book. Where the property and loan size allow, a desktop or automated (AVM) valuation can cut that to hours or days.
Legal work running in parallel. Instructing your solicitor on day one, with ID, title and searches ready, removes the most common cause of delay.
A clear exit. Lenders move fastest when they can see exactly how the loan will be repaid – a sale, a refinance or the end of a development.
Choosing the right lender. Lenders' speed varies enormously. Part of our job is knowing which lenders can genuinely deliver on your timescale – not just quote the lowest rate.
Have ID and proof of address ready for every applicant and director, the property details and purchase price, and a clear explanation of how you'll repay the loan. Instruct a solicitor experienced in bridging as early as possible, and tell us your deadline on day one – we'll build the whole process around it.
Fast bridging finance is for property investors, developers and businesses. We arrange unregulated bridging only and never lend against a property that is or will become your or your family's home. Need a larger loan? See our large bridging loans page.
Our fastest completion took 48 hours from start to finish, for a property developer buying a house. Straightforward cases can complete in days; most complete within a few weeks, depending on the valuation and legal work.
In most cases we can give you a decision in principle the same day, so the valuation and legal work can start straight away.
Instruct a bridging-experienced solicitor early, have ID and property details ready, set out a clear exit strategy, and ask whether a desktop or AVM valuation is possible for your property.
From £50,000 to £50 million, over terms from 1 day to 24 months.
Any legitimate purpose — common uses include buying below-market-value or auction property, buying unmortgageable property that needs refurbishment, paying a tax bill, buying out a business partner, or staving off a repossession on an investment or commercial property.
Delays usually come from the valuation, the legal work, or waiting on documents. Instructing a solicitor early and having ID, property details and your exit strategy ready makes the biggest difference.
No. Raise Commercial Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange unregulated commercial and investment property finance only. We never lend against a property that is or will become the borrower's or their family's home.
