Bridging Finance
Short-term support that keeps businesses moving.
Bridging Finance
Bridging finance is a short-term loan designed to provide quick access to funds when timing matters most. It is often used when purchasing a new property before selling an existing one, funding a renovation, or supporting a business opportunity that requires fast action. Unlike traditional mortgages, bridging finance is more flexible and far quicker to arrange. It provides breathing space and financial freedom to move forward without unnecessary delays. Typically, the loan is repaid once longer-term finance is in place, such as the proceeds from a sale or the completion of a mortgage. In short, bridging finance provides confidence and stability at a crucial stage, allowing businesses to focus on their plans with peace of mind.
At OSBF, we know that financial challenges do not always reflect how someone manages their money. Circumstances can change, and opportunities do not always wait for perfect timing. That is why we take the time to understand your story – the how, the why and what comes next – so we can find the right way forward, together.
CASE STUDY 1
Turning risk into opportunity.
Our clients owned 16 buy-to-let properties and, due to personal circumstances, missed several mortgage payments. The bank appointed receivers, and the client’s family company wanted to buy back the properties but needed funding to complete. OSBF provided a £265,000 bridge for six months, allowing the purchase of the debt and giving the family time to arrange longer-term mortgage finance.
CASE STUDY 2
From receivership to recovery.
Another client needed bridging finance to remove his farm from receivership and repay a high-interest unsecured loan. The bridge was secured against his farm and surrounding land, with an exit plan of refinancing through development loan or selling the land once planning permission was granted for 113 dwellings.
CASE STUDY 3
Bridging finance to keep business moving.
Our client, a pallet manufacturer, was facing a winding-up petition from HMRC. Time was critical, so we acted fast. Within two weeks, we arranged a valuation of the property and completed a transaction to release enough cash to refinance their existing lender and settle to HMRC debt in full. Our funding gave the business breathing space to continue trading while marketing the premises for sale – a prime site that will ultimately provide the exit route for repayment.
Our Other Products
Working Capital Loans
SME business owners are often familiar with the constraint of day-to-day operations if cash flow is limited. At One Stop Business Finance, we understand the requirement for flexibility and are, therefore, able to offer our services to those who require additional help when their bank is unable to.
Read more about Working Capital LoansRevolving Credit Facilities
A Revolving Credit Facility allows businesses to draw down working capital, repay it, and withdraw again when it suits their unique requirements. Similar to an overdraft or credit card, interest will only be payable on the funds that are used, making this product a popular and highly cost-effective choice.
Read more about Revolving Credit FacilitiesDevelopment & Refurbishment Lending
At One Stop Business Finance, we are proud to have an excellent and established history of providing Development Finance solutions to Limited Companies across England and Wales.
Read more about Development & Refurbishment Lending
