About Our Lenders
As Structured Property Finance Specialists, Bridging Finance London connects you to over 250 lenders, offering unrivalled access to bespoke lending solutions.
Our network spans traditional banks, innovative fintech firms, and private individuals, enabling us to secure optimal financing for high-net-worth clients, business owners, and companies.
Here’s an overview of the types of lenders we work with.
High Street Clearing Banks
Barclays, Lloyds, HSBC, and NatWest (the big four) form the foundation of mainstream UK finance.
These established banks offer stability and extensive services. While their lending criteria is generally conservative, they excel in providing large, long-term loans at competitive rates.
For clients with straightforward financial profiles seeking substantial mortgages or business loans with low LTV’s, high street banks offer attractive terms and the assurance of working with a recognised name.
Specialist Challenger Banks
Challenger banks like Metro Bank, Aldermore, and Starling Bank have reshaped UK finance with their innovative, often digital-first approaches.
These institutions focus on specific financial areas, using technology to expedite decisions and processes.
Their flexibility shines when considering unique financial situations or unconventional income structures.
Entrepreneurs, small business owners, and individuals with complex finances often find tailored solutions here that traditional banks might overlook.
The responsiveness of challenger banks makes them ideal for time-sensitive deals, whether you’re eyeing a quick property purchase or need rapid business financing.
Private Banks
Private banks serve high-net-worth individuals, typically those with over £1 million in investable assets.
They offer personalised service beyond standard banking, often combining comprehensive wealth management with lending services.
Their lending approach is highly tailored, considering a client’s entire financial picture, including complex income structures and diverse asset portfolios.
This holistic view enables creative financing solutions often unavailable elsewhere.
Private banks offer Asset Under Management (AUM) lending and dry lending.
AUM lending involves placing assets with the bank, often securing better loan terms. Dry lending provides financing without requiring asset transfer, offering flexibility for clients preferring to maintain existing banking arrangements.
For high-value property transactions, business investments, or bespoke financing needs, private banks offer unmatched solutions, particularly for clients with international financial interests.
Non-Bank Lenders
Non-bank lenders, including peer-to-peer platforms, private equity firms, and specialist property lenders, operate outside traditional banking frameworks.
This allows for greater flexibility in lending decisions and can include non-status bridging loans.
These lenders excel in areas like bridging loans, development finance, and mezzanine funding.
Their ability to structure bespoke deals and act quickly proves invaluable for complex or time-critical transactions.
Property developers, investors dealing with unconventional assets, or businesses needing swift growth capital often find non-bank lenders to be pivotal in solving their debt requirements.
Family Offices
Family offices are private wealth management firms that serve ultra-high-net-worth individuals (UHNWIs) and their families. These specialised organisations handle the financial and investment affairs of wealthy families, typically those with assets exceeding £50 million.
The family office invests the family’s money, manages all of their assets and liabilities, and disburses payments to family members as required.
Single-family Offices (SFO)
A single-family office is a private entity established to manage the wealth, investments, and personal affairs of one affluent family.
As well as investment management, a family office will often engage in direct lending, particularly for secured property loans or bridge financing.
Their ability to make quick decisions and structure bespoke deals proves valuable for complex, high-value transactions.
Multi-family Offices (MFO)
Multi-family offices provide economies of scale, allowing families to access a broad range of expertise and resources at a lower cost compared to setting up their own SFO.
While services remain highly personalised, they are not entirely bespoke to one family, but instead offer a comprehensive approach to managing wealth for various high-net-worth individuals and families.
Secured Property Lending
Both single-family and multi-family offices are interested in bridge loans and secured property lending, but their motivations and approaches differ:
Single-family offices
Single offices tend to favour these investments for their customisation, high returns, and asset-backed security, allowing them to actively manage risk and align with the specific goals of the family.
Multi-family offices
While still drawn to the attractive returns and security, multi-family offices may take a broader and more diversified approach, focusing on managing the collective risk of multiple families and ensuring steady returns across a wider range of investments.
Hedge Funds
Hedge funds are increasingly active in property finance and bridge lending, attracted by high returns and portfolio diversification opportunities.
These sophisticated investment vehicles bring substantial capital and willingness to engage in complex deals.
Their involvement often increases market liquidity, particularly for large-scale property developments or commercial real estate transactions.
Hedge funds can be suitable partners for ambitious projects that might struggle to secure traditional financing.
Borrowers can benefit from larger loan sizes, quicker decision-making, and more flexible terms, albeit often at higher costs and with stricter security requirements.
Wealthy Individual Lenders
High-net-worth individuals increasingly view direct lending as an attractive investment.
These private lenders, often successful entrepreneurs or experienced investors, bring unique perspectives to the lending process.
Individual lenders offer exceptional flexibility, making rapid decisions based on a deal’s merits without institutional constraints.
This proves particularly valuable for unconventional proposals or situations requiring speed.
While terms may sometimes be less competitive than institutional options, the ability to negotiate directly and structure truly bespoke deals can be invaluable, especially for complex scenarios or deals requiring high confidentiality.
UHNW individuals may lend personally or via a joint venture company, pooling money with other business partners.
This would be a form of peer-to-peer lending.
Our
Approach
Our extensive lender network allows us to match you with the most suitable financing options for your unique needs.
We consider the entire context of a deal, including time constraints, long-term financial goals, and specific project requirements.
Our expertise in complex, high-value finance deals means we can navigate the intricacies of various lending options, from traditional mortgages to complex mezzanine financing structures.
We consistently secure competitive terms, even for the most challenging scenarios.
But it doesn’t stop there
We are committed to providing our clients with the best possible financing options.
That’s why we’re constantly reviewing and expanding our network of lenders.
Our reputation in the debt advisory sector means we’re often approached by new lenders eager to work with us.
These include emerging fintech companies, specialist property lenders, and private individuals looking to diversify their investment portfolios.
We carefully evaluate each potential lender, assessing their offerings, terms, and track record.
Only those who meet our stringent criteria for reliability, competitive rates, and flexibility are added to our network.
Every month, we onboard new lenders, expanding the range of financing solutions available to our clients. This ongoing process ensures we stay at the forefront of the lending market, offering you access to the latest and most innovative financial products.
Our proactive approach to lender relationships means we’re often among the first to know about new lending products or changes in criteria.
This insider knowledge allows us to identify opportunities that others might miss, potentially securing you better terms or access to niche financing options.
By continuously growing and refining our lender network, we ensure that no matter how complex or unique your financial needs, we have the right connections to make it happen.
