Bridging Loans

A short-term fix for fast financing. Secure up to £10 million with minimum fuss today.

Product highlights

Residential bridging loan

Commercial bridging loan

Applying for a loan is easy. Here’s what to expect:

Make an enquiry

Guided application

Our team will be in touch to discuss your needs and help you complete the full application.

Swift access to funds

Once your loan has been agreed, we aim to provide you with your funding as quickly as possible.

Ongoing support

Enjoy access to your dedicated relationship team throughout the life of your loan.

Start your journey with Recognise Bank

Check if you’re eligible for a bridging loan by making an enquiry today.

Before we start, please confirm the following:

The property is located in England, Wales or Scotland.
You currently live in the UK, or your company is registered in the UK, Isle of Man or Channel Islands. The Centre of Main Interest must be in the UK.
Your company has been trading for a minimum of 2 years.
Maximum five satisfied CCJ’s within the last 3 years and no missed secured loan repayments within the last 12 months.
You have not been declared bankrupt or entered an IVA / CVA in the last 3 years.

I confirm these statements are correct.

Please provide details of your request:

Which of the following applies to you:

What is the purpose of your loan?

What type of bridging loan are you looking for?

How much would you like to borrow?

You’ll need to have the following when completing your full application:

Minimum 2 years of full financial accounts.
Management information, reports, or forecasts giving insight into your business operations and financial health.
6 months' business and personal bank statements.
Completion of our Asset and Liabilities/Income and Expenditure from (provided during the application process).
Proof of identification and address.

I confirm I will have access to these records.

Contact Details

First name

Last name

Telephone

Company name (if applicable)

Postcode

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What is a bridging loan?

Bridging loans are a short-term option for property investors and business owners who require quick finance. We’ve designed this loan for several business types including Sole Traders, Partnerships, Limited Companies and LLPs. Businesses can use a bridging loan for:

Recognise your potential

We believe business shouldn’t be held back by a bank.

That’s why we’ve made it our mission to create a fully licensed digital bank which puts relationships first.

We work with businesses not against them. And we aim to be as flexible as possible with all of our offerings and services, no matter what your business needs. It’s why our customers, brokers and partners love working with us.

Explore our range of award winning savings accounts, business loans, and specialist mortgages today and let us help your business thrive.

Explore our range of lending products

Commercial mortgages

Flexible borrowing from £250,000 to £7.5 million allowing you to expand your business with loan terms of up to 10 years.

What our brokers say

It has been a great pleasure to work with Ian, Heather and Stephen to complete this deal and support our client. The Recognise Bank team crafted a bespoke solution, provided timely responses and maintained great communication throughout. We look forward to working with the team again in the future.

– Sam Monk, Director, Archway Capital Partners

Recognise Bank brought exactly the kind of insight and responsiveness our client needed in order to navigate a complex brief. Ian and the team demonstrated a clear understanding of both the challenges and potential of the deal. Their collaborative and agile approach helped us to deliver a strong outcome – and a very happy client. We look forward to working with Recognise again in the future.

– Colin Anderson, LDN Finance

I want to extend my thanks to Paul, Heather and the wider team. This was a complex case, with many hurdles to overcome and it required a commercially minded lender which I am pleased to have found in Recognise Bank. The speed and efficiency with how this deal was executed puts Recognise a cut above the rest.

– Chirag Sheth, Director, Infinite Finance

This has been a fantastic first deal with Recognise Bank – Courtnay, Stephen and the wider lending team have been a great support and showed a real understanding of the borrowers needs. Their professional and proactive approach has been crucial, our mutual client was delighted with the service received and we look forward to working together again in the future.

– Sinead Cowgill, Eight Finance Group Limited

– Sam Monk, Director, Archway Capital Partners

– Colin Anderson, LDN Finance

– Chirag Sheth, Director, Infinite Finance

– Sinead Cowgill, Eight Finance Group Limited

Common questions about bridging loans

Who can apply for a bridging loan?

Our bridging loans are unregulated and designed for business purposes only. We currently accept applications from the below entities:

Sole trader
Partnership
Limited Company
PLC
LLP
Trust
SIPP
SSAS

How long does it take to complete a bridging loan?

The time it takes to secure a bridging loan varies depending on your business’ specific circumstances. At Recognise Bank, we offer a streamlined application process and typically make quick decisions. Our dedicated team is also available to guide you through the entire loan application process, ensuring you receive the necessary support.

In general, applying for a bridging loan involves these steps:

Enquiry: Send us a simple enquiry today – it takes just 2 minutes. Click here to start yours.
Full Application: We’ll be in touch to help you complete and submit the required paperwork.
Evaluation: We’ll review your loan application, review your credit history and assess your exit strategy for repaying the bridging loan.
Approval and Funding: Once approved, we will work with you to complete your loan as soon as possible.

What fees will I have to pay on a bridging loan?

Bridging loan fees may include arrangement fees, valuation fees, legal costs, broker fees or early repayment charges.

The fees we charge are determined on a case-by-case basis in accordance with our terms and conditions.

Please send us an enquiry and a member of the team will be able to discuss these with you in detail.

How much can I borrow on a bridging loan?

The loan amount we can provide will be assessed when we receive your application for a bridging loan. The minimum loan size is typically £250,000 up to a maximum of £10 million for residential bridging loans and £7.5 million for commercial bridging loans.

Do I need a deposit for a bridging loan?

We’ll finance up to the quoted Loan to Value percentage, and you will be responsible for covering the remaining balance required to meet the property’s purchase price.