Short-dated capital — fast, when the deal won't wait.

Bridging is short-dated finance — typically 3 to 12 months — used to cover a gap. The classic gap: you've sold a property but settlement is 90 days out, and you've found the next site that needs unconditional contracts inside 14 days. Bridging covers the purchase, you settle on the new site, and when the old property settles you pay the bridge out in full. Clean, fast, expensive. Where bridging gets misused is when developers reach for it as a substitute for proper site or construction finance. Bridging at 9–12% for three months is fine. Bridging at 9–12% for eighteen months, rolled over and over because the exit didn't happen, is ruinous. We use bridging where it's actually right and structure proper finance everywhere else. The lender shortlist is short and specialised. The specialist non-banks write bridging at the lower end of the price range (8–10%) with terms up to 12 months. Private and specialist short-term lenders write the faster, more bespoke deals — settlement in 7–14 days, terms 3–6 months, rates 10–15%. We sit across both. Most bridging files settle inside 3 weeks of the first call; some inside 7 days when the file is clean and the security is straightforward. The exit is the entire story on a bridging loan. We don't write bridging without a contracted exit — a property sale on contract, a refinance term sheet in hand, a construction lender already approved. Bridging written without a documented exit is where borrowers get stuck rolling short-term debt at high rates. Every bridge we structure has a contracted exit before settlement.