When opportunity knocks, be it property acquisition, auction purchase, or urgent cashflow waiting weeks for bank approval just won’t work. Our private-capital bridging loans move fast so you can too.
Submit details of the property or asset you want to secure the loan against.
We assess and issue indicative terms—often within 24 hours.
Once legal checks are done, funds are released quickly—typically within 3–7 days.
Decisions within 24–48 hours. Perfect for auctions or urgent needs.
We fund from our own reserves—no need to tick institutional boxes.
Short durations from 1–18 months. Exit strategies built to suit your project.
Clear pricing. No arrangement fees, hidden penalties or lock-ins.
A bridging loan is a short-term, asset-backed finance solution designed to cover funding gaps until longer-term finance is arranged or a transaction completes. It is commonly used for property purchases, refinancing, auction acquisitions, development opportunities, or time-critical business needs. Fifth Finance provides fast, flexible bridging loans secured against property or other qualifying assets, giving you immediate access to capital when traditional lenders are too slow.
Funds can be released in as little as 72 hours once legal checks are completed. In most cases, Fifth Finance issues an initial offer in principle within 24 hours, enabling you to proceed quickly with purchases, refinancing, or urgent cash-flow requirements. Our private-capital model cuts out institutional delays, ensuring decisions and completions happen at pace.
Bridging loans can be secured against a wide range of assets, including residential property, commercial property, mixed-use buildings, land with or without planning, and certain high-value assets depending on the project. Fifth Finance assesses each case individually to maximise your available leverage and deliver the structure that best supports your transaction.
Whether a bridging loan is regulated depends on the type of property and how it is used. Loans secured against your primary residence fall under FCA regulation, while most commercial, investment or business-purpose bridging loans are unregulated. Fifth Finance provides clear guidance from the outset so you understand exactly which category your loan falls into and what that means for your project.
