Atlas › Finance we arrange › Bridging finance
Bridging finance
A bridging loan is short-term finance secured on property, used when timing matters more than long-term cost: buying before a sale completes, meeting an auction deadline, or funding works before a property can be refinanced. What lenders care about most is the exit, so Atlas checks it before your deal goes anywhere.
What it's used for
- Auction and time-critical purchases
- Light and heavy refurbishment before refinance or sale
- Buying commercial or semi-commercial property
- Raising short-term capital against property you own
- Breaking a chain or settling a liability quickly
What lenders look at
- The security: property type, condition, location and value
- Loan to value, including any retained interest
- The exit route and how credible it is in the time available
- The borrower's experience and any adverse credit
- For refurbishment: the cost schedule and the end value
What you'll need to send
You don't need everything on day one. Start with what you have; Atlas tells you what's missing as the deal is underwritten.
- Property details and any valuation already held
- Purchase contract, auction pack or title information
- Evidence of the exit (sale agreement, refinance terms or agent's appraisal)
- Schedule of works, if applicable
- Company and borrower details
How Atlas handles it
- Describe the deal. In your own words, online or on WhatsApp. Rough figures are fine.
- We underwrite it. Atlas checks the figures, asks the questions lenders will ask, and builds a complete pack.
- We match it. Your deal goes to the lenders on our panel whose criteria it fits, not to everyone.
- You compare terms. Lenders respond on the platform, and we help you through to completion.
Have a bridging finance deal? Start it on Atlas in a few minutes. Introducers and brokers can submit on behalf of clients.
Start a dealCommon questions
How long is a bridging loan?
Terms are commonly from a few months up to around two years, set by how long the exit needs. Atlas looks for an exit that fits comfortably inside the term.
Does Atlas arrange regulated bridging?
No. Atlas arranges unregulated, commercial bridging only, for example loans to companies or against investment and commercial property. If your enquiry is regulated we will offer to refer you to a regulated partner.
How quickly can a bridge complete?
Speed depends on valuation and legal work. A complete, underwritten pack removes the back-and-forth that usually slows the start.
Other finance we arrange
- Development financeFunding for ground-up builds, conversions and refurbishment schemes.
- Invoice financeFunding released against your sales ledger.
- Asset financeFunding for vehicles, plant, machinery and equipment.
- Business loans and working capitalGrowth, working capital and acquisition funding.
- Football financeTransfer fees, receivables, media advances and club funding.
- Infrastructure and project financeSenior debt for energy, infrastructure and large projects.