Flexible Short-Term Finance for Property & Business Needs
At CAS Bridging & Commercial Finance Ltd, we specialise in securing fast and flexible bridging loans for both residential and commercial property transactions across the UK. Whether you need quick funding for a property purchase, refurbishment, or business expansion, we help you access the right short-term finance solution.
About Bridging Loans
- Our approach
What Is a Bridging Loan?
A bridging loan is a short-term, typically arranged for 1 – 24 months, flexible loan designed to “bridge” the gap between transactions, like buying a new property before selling your current one. It’s ideal for quick funding needs and can be used for property purchases, renovations, building projects, or business cash flow while you wait for longer-term financing.
Bridging finance is typically repaid through:
- Refinancing with a long-term mortgage
- Selling a property or asset to clear the loan
-Alternative funding solutions based on your exit strategy
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Loan terms range from a few weeks to up to 24 months, offering flexibility for investors, developers, and business owners.
Key Features of Bridging Loans
- Short-Term Duration: Loan terms typically range from a few weeks up to 24 months.
- Flexible Use: Ideal for property purchases, refurbishments, building projects, and business cash flow.
- Fast Approval & Funding: Designed to provide quick access to funds, often within days.
- Interest-Only or Rolled-Up Interest:
- Most bridging loans are unserviced, meaning no monthly repayments are required.
- Interest and fees are rolled up and added to the loan balance.
- These costs are deducted from the gross loan up front, so the borrower receives the net loan amount.
- The full repayment (including interest and charges) is made at the end of the term.
- Secured Lending: Loans are typically secured against residential, commercial, or investment property.
- Flexible Repayment Terms: Terms are tailored to your exit strategy, whether that’s through sale, refinance, or other means that are acceptable to the lender.
Does this service fit my business?
Bridging loans can be a powerful tool for unlocking opportunities that require fast, flexible funding. Here are some of the most common ways our clients put bridging finance to work:
- Property & Land Purchase – Quickly secure residential, commercial, or investment property, even before your current sale completes.
- Property & Land Development – Finance new builds, conversions, or large-scale developments from the ground up.
- Property Refurbishment – Fund upgrades or renovations to increase property value before sale or rental.
- Restructuring Existing Finance – Consolidate or refinance current borrowing to access better terms or free up capital.
- Business Growth & Expansion – Use short-term funding to seize time-sensitive business opportunities.
- Bridge to Let – Buy now and bridge the gap until your buy-to-let mortgage is in place.
- Development Exit Finance – Release equity from nearly completed projects before they’re sold or refinanced.
- Client success in Risk Management and Compliance
Expected loss reduction
We assisted a leading merchant acquirer in the travel and airline industries with risk management and compliance, resulting in reduced exposure, lower expected losses, and increased profitability in high-risk sectors during a crisis. We successfully reduced the client’s exposure by over one-third and mitigated expected losses by approximately 85% during this turbulent period.
Uplift
A global USA bank partnered with us to enhance their treasury, asset and liability management operating models, as well as their liquidity and interest rate risk management process. Through this transformational engagement, we made revisions to the client’s behavioral models and hedging strategy
Automotive industry
We designed and implemented a global integrity and compliance program for a world-leading automobile manufacturer. The program focused on implementing processes and inspiring people, strengthening governance and processes across more than 500 legal entities worldwide. Through diverse communication, training, and enablement initiatives, we engaged all employees on the path to achieving sustainable culture change.
Client results
Explore our success stories to see how we have helped businesses like yours overcome challenges and achieve tangible results.