Bridging loans for UK SMEs
Need quick access to short-term property finance? Bridging loans offer a fast and flexible funding solution, ideal for purchasing property, covering urgent expenses, or securing opportunities before long-term finance is arranged. Whether you’re a property developer, landlord, or business owner, a bridging loan can help you complete time-sensitive property purchases, renovate or refurbish properties, prevent property chain breaks, and access capital while awaiting a sale or remortgage
Designed for speed and flexibility, bridging loans in the UK are typically secured against property and can be arranged in days, not weeks. With loan terms from 1 to 24 months and competitive interest rates, this short-term finance option is perfect for bridging gaps when timing is critical.
What is a bridging loan, and how does it work?
Bridging finance is a short-term, secured funding option that helps bridge the gap between needing capital quickly and securing long-term financing. It’s commonly used when purchasing, refurbishing, or refinancing property, especially when speed is crucial. ​Bridging loans are usually set up over a term of 3 to 24 months.
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UK businesses and property investors use bridging loans to secure commercial property or land swiftly, complete fast purchases, such as at auction, finance refurbishment or development projects, and prevent chain delays or collapse in property transactions.
Why choose Prospera Funding for bridging loans?
Full access to UK lenders
Access tailored business finance from £5,000 to £25M, with rates from 4.5%. Prospera Funding connects UK SMEs with both traditional and alternative lenders for flexible, fast business finance solutions.
Protecting your credit
We prioritise protecting your credit score by leveraging our lender network and industry expertise to assess your funding options without formal applications or credit checks.
Fast decisions
Our lenders offer faster funding than traditional bank loans, ideal for businesses needing quick access to working capital, cash flow, or growth. Decisions and funds in as little as 24 hours.
Transparent costs
You know your business best, and whether business finance makes sense to achieve your goals. At Prospera Funding, we simply present the best funding options, fully explain the costs, and let you decide. No risk, no commitment, and no broker fees.
Industry specialists
Our business finance specialists have expert knowledge and proven experience across multiple industries, ensuring tailored funding solutions aligned with your business goals.
Flexible options
Our lenders provide flexible loan terms, repayment options, and requirements, helping businesses find funding that aligns with their goals
Aftercare support
With expert finance specialists and a vast lender network, we deliver tailored business funding solutions and ongoing support, ensuring your company always has access to the most cost-effective finance options on the market.
Industry compliant
We work with FCA-regulated lenders and ensure full compliance with all industry rules and regulations.
Bridging Loan Calculator, Estimate Your Monthly Repayments
Rate from 4.5%, loans between £5,000 to £25,000,000.
360 overview of the whole UK lending market, all types of legal businesses considered.
Fast decisions, funding from as quickly as 24 hours.
No cost, risk or commitment...and no credit searches.
How to apply for a bridging loan
We make business funding fast, simple, and tailored to you. Our advanced platform intelligently matches your business with the most relevant finance solutions from a wide panel of UK lenders. Whether you’re expanding, managing cash flow, or investing in growth, we’re here to help you access the funding you need, without the hassle.
Get funded in 3 easy steps
1. Tell us about your bridging loan requirements
Let us know how much you’re looking to borrow, what it’s for, and a few key details about your business. No lengthy forms, just straightforward questions.
2. Review bridging loan options
We scan over 120 trusted lenders to deliver options tailored to your specific funding needs at the best rates you are eligible for.
3. Receive your bridging loan within 24 - 48 hours
Once you’ve chosen the best option, we’ll support you through the application, right through to the funds landing in your account.
