Bridge loans for small businesses and individuals in the UK

Our Products

Standard Rental Loan

  • Up to three years
  • From £250k to £25m
  • Up to 75% LTV
  • Interest rates from 0.55% PCM
  • First and second charge
  • Acceptance of non-UK residents
  • Residential and commercial
  • Individuals and companies
  • No rental track record required
  • Pound Sterling and Euro

Business Bridge Loan

  • Up to three years
  • From £250k to £25m
  • Up to 70% LTV
  • Interest rates from 0.57% PCM
  • First and second charge
  • Domestic and foreign security
  • Multi-drawdown facilities
  • Residential and commercial
  • Individuals and companies
  • All types of commercial property
  • Pound Sterling and Euro

Light & Heavy Refurb Loan

  • Up to three years
  • From £250k to £25m
  • Up to 75% LTV
  • Interest rates from 0.57% PCM
  • First charge
  • Multi-drawdown facilities
  • Residential and commercial
  • Individuals and companies
  • Flexible interest options
  • Pound Sterling and Euro

Development Loan

  • Up to three years
  • From £250k to £25m
  • Up to 75% LTV
  • Interest rates from 0.61% PCM
  • First charge
  • Multi-drawdown facilities
  • Residential and semi-commercial
  • Individuals and companies
  • Speculative development
  • Pound Sterling and Euro

Our lending process

01

ENQUIRY

We receive a request which covers all the key loan requirements, as well as information on the borrower, the proposed security and the exit strategy.

02

IMMEDIATE RESPONSE

We provide feedback immediately, including confirmation of where the request falls within our pricing matrix. You will be assigned a dedicated relationship manager. For more complex and bespoke transactions, you will receive direct input from one of our specialists on the same day.

03

PROPOSAL

We issue a term sheet based on the information you have provided and circulate legal, valuation and, if applicable, project monitoring quotes. This allows the borrower to decide whether to proceed with the application.

04

INSTRUCTION OF SOLICITORS

You instruct your solicitor to provide an undertaking and to deliver the required information as per our lender requirements.

05

ASSET VALUATION

We instruct a surveyor to value the asset which will serve as security for the bridging or development loan.

06

ONBOARDING AND DUE DILIGENCE

We perform due diligence on you and/or your company, including anti-money-laundering and know-your-customer checks. We request information on your financial status and track record.

07

EXECUTION OF FINANCE DOCUMENTS – RELEASE OF FUNDS

We issue and you sign the full suite of legal documents, such as the facility agreement, debenture, legal mortgage, guarantees and other applicable finance documents. Our solicitors then release the agreed loan amount.

Why use secured credit?

Supporting rapid business expansion 

Growth in itself can tie up quite some capital; secured bridging finance can help to overcome this constraint until traditional bank finance lines have been increased.

Taking advantage of opportunities

As every entrepreneur knows, opportunities are sometimes short-lived and require fast action. The opportunity may simply have gone by the time the entrepreneur has obtained a traditional bank loan after a lengthy application process.

Reducing long-term financing costs

It may be difficult and expensive to take out a traditional bank loan on short notice, particularly when a track record still has to be established. Hence it may be more economic to first take out a bridge loan, and once one or two years of financials are available to replace this bridge loan with a competitive traditional bank loan or commercial mortgage.

Large loans 

Whilst it may be easy to obtain small unsecured business loans through peer-to-peer platforms, when financing needs are larger the most efficient way to obtain a business loan is by providing security

Strategic flexibility

Many entrepreneurs only want to dispose of certain assets when they are certain they no longer strategically need them or when the time is right. Secured credit allows them to raise money against such assets in the meantime. Furthermore, many entrepreneurs do not want to rely solely on their bank line and therefore want to diversify funding sources.

Dealing with information asymmetry

For small and medium-sized enterprises it is sometimes difficult to gain investor confidence. Investors often do not have the time to properly analyse the financials of small and medium-sized enterprises.  Secured loans offer a way to overcome such investor concerns.

Chain breaking

Once you acquire a new asset you may be able to dispose of another asset, however you may need temporary finance to bridge between the acquisition and disposal.

Second charge lending

It may be economically more attractive to take a second charge over a certain asset instead of renegotiation the first-charge loan if the financing need is short-term.

  • Case study

    Helping a popular venue to weather the Coronavirus lockdowns

    Amongst the most heavily impacted industries, by the pandemic and subsequent lockdowns, was the hospitality sector. Drenagh Country Estate in Northern Ireland, a specialist wedding and conference venue, faced a year with little income due to the reduced size, postponement and cancellation of many events.  Like many businesses, this left it with overheads mounting but no income. Fiduciam granted it a Coronavirus Business Interruption Loan Scheme (CBILS) facility to substantially lower its financing costs during that difficult period.  Fiduciam has handled over £700 million in CBILS loan requests during the pandemic and made a significant and lasting difference to many UK businesses, ranging from pubs to children nurseries, and from house-builders to manufacturers.

  • Case study

    Financing a French vineyard

    In early 2019 Fiduciam funded a Luxembourg-owned vineyard in France.  The vineyard produces a biodynamic wine, with solid distribution, including through Waitrose in the UK.  The three-year loan was structured as a multi-drawdown facility of €3m with an initial drawdown of €750,000.  Fiduciam took a charge over the vineyard, but in addition it also took security over 77,422 bottles of wine and 2,631 hectolitres of wine in barrels.  The loan was taken out by a Luxembourg company, principally owned by a high net worth individual from the United States who had purchased the vineyard several years ago and now needed to refinance some existing debt of the vineyard.  Due to the nature of the borrower’s company and the multi-national shareholders involved, the loan involved five jurisdictions: Fiduciam based in the UK, the vineyard in France, the borrower/guarantor in the US, the borrower’s company in Luxembourg and a pledgor from Australia.

  • Case study

    Financing a British developer in Mallorca

    Fiduciam provided a bridging loan to a successful British entrepreneur who has been developing luxury property in Mallorca for over two decades.  The bridging loan allowed him to extract equity out of a newly completed project whilst marketing the property to potential purchasers.  The loan proceeds allow the British developer to finance three ongoing projects in Mallorca: the construction of a hotel and seven adjoining luxury villas, the construction of several rural cottages and the development of a further four detached houses.  Although the developer has access to development finance from Spanish banks, they were unable to offer as favourable terms and as quickly as Fiduciam.

  • Case study

    Trees grow on money

    In June 2018, Fiduciam granted a €1.3 million, three-year commercial loan to Hatton Farm in the Republic of Ireland.  Hatton Farm, which operates under Hatton Produce Ltd, is one of Ireland’s leading potato producers and is renowned for the high quality of its potatoes.  Like many other Irish farms, Hatton Farm was really let down badly by the traditional banks in the aftermath of the financial crisis.  Marina Hatton commented: “Fiduciam believed in us when the big banks were simply not there anymore. This farm has been in our family for three generations and it’s thanks to the loan that we got from Fiduciam that we can grow our business and secure our children’s future.”  As a thank you for the loan, Hatton Farm offered Fiduciam one of its home-grown Christmas trees for their office. As a bit of fun, Fiduciam sent two of its BDMs to chop down the tree and carry it home, and filmed the whole lot. Please check it out here

  • Case Study

    TVR Automotive – a transformational multi-tranche facility

    Following the take-over and recapitalization of TVR by a group of successful British entrepreneurs, the development of a new high-performance car was commenced in close cooperation with Gordon Murray Design. Fiduciam provided the cornerstone of the second capitalization round, closely working together with the Welsh government and equity investors, in order to finance a new production facility in South Wales, a project representing £30 million of capital expenditure and creating 150 direct jobs and many more in the supply chain. This transaction demonstrates Fiduciam’s ability to successfully complete ambitious transactions.

  • Case study

    Close cooperation with a family-run development and construction firm

    Unlike large homebuilders, smaller development and construction firms often find it challenging to obtain finance. Fiduciam funds many of these smaller firms, particularly those focused on the development of traditional housing stock for middle-class incomes.  One of those firms, run by a husband and wife team, with East London as their focus area, has developed a strong track record and relationship with Fiduciam.  Their testimonial:  “We got to know Fiduciam when our bank was dragging its feet over a new acquisition, for no apparent reason, and we decided we needed to diversify funding sources.  Since then we have been doing all our projects with Fiduciam as they have proven to be efficient and to understand the construction trade; also allowing us to extract equity without any red tape when we need it to roll over into the next project.”

  • Case study

    How exclusive seafront property assists in financing Bladon Jets

    Bladon Jets is a Coventry-based company pioneering and shortly to manufacture world-leading micro turbines – small, light and clean-burning engines. Though originally intended to develop these as range extenders for future electric Jaguar and Land Rover cars, they have been adapted to replace diesel engines in powering the telecom mast towers, as primary or secondary charger units. A City financier and venture capitalist decided to invest in Bladon Jets and instead of disposing of other assets, he chose to obtain a Business Bridge Loan secured on exclusive Sussex seafront property. This approach leaves the investor the flexibility to finance his new capital injection into Bladon Jets either through future business income and capital returns, or by rearranging his portfolio investments. Read about it: The Telegraph

  • Case study

    Funding of well-established London landlord

    An important and family-owned landlord, focused on affordable property for key-workers in London, uses Fiduciam to finance new property acquisitions and portfolio reallocations.  As with other property investors he uses a mix of traditional commercial bank loans and buy-to-let loans, complimented by Fiduciam’s Standard Rental Loans.  When acquiring new property, the high-street banks usually cannot meet time deadlines or simply wish to hold off until a rental track record has been established.  Fiduciam is a constant provider of funding on new acquisitions for this successful landlord as he continues to build out his portfolio.

+44 203 290 1933 (United Kingdom)

+353 85 257 6488 (Ireland)

+31 35 303 1360 (Netherlands)

+44 208 075 9370 (Spain)

+49 173 194 0983 (Germany)

5-7 John Prince’s Street | London W1G 0JN