About Bridging Finance

A Bridging Loan is a short-term loan or interim financing usually taken out to bridge the gap for a pending arrangement. This is usually to acquire a commercial or residential property while another commercial/residential property is due to be sold. The term of these bridging loans can vary from 1 month to 3 years.

Decimal Factor can only help you with Bridging Loans for Commercial Property.

Loan-to-value (LTV) ratios are generally around 65% to 70% for commercial properties, based on appraised value.

A first charge bridging loan is generally available at a higher LTV than a second charge bridging loan due to the lower level of risk involved. Decimal Factor can look at second and third charges as well.

Bridging Loans can be provided from £100,000 to £10million.

Reasons for Bridging Finance:
  • Investment purchase
  • Distress purchase
  • Expand your business in to a new territory
  • Add a new restaurant or office location
  • Property development
  • Buy to Let commercial property
  • Auction Finance
How it works:
  • Contact Decimal Factor on info@decimalfactor.com
  • We will fill out your application form along with all the relevant supporting documentation
  • An internal assessment is done by our Lending partners. Their underwriting team will examine your application to see if you meet the criteria
  • An independent valuation is conducted
  • An official offer is produced and you will be asked to sign the final offer forms
  • A solicitor is instructed, a charge registered on your property and:
  • Funds released to your account

If you would like a Decimal Factor Funding Specialist to contact you regarding Bridging Loans, please email us at info@decimalfactor.com

Fill the below form and we will get back to you.