Short-term property finance
Bridging finance for moments that matter.
Funds are coming — but you need capital while you wait. Aldgate Capital bridging loans plug the gap at heavily reduced rates, funded in as little as 72 hours.
Loans from £150k to £1m
Save up to 65% vs. secured loans*
Funded in as little as 72 hours
Cash flow-friendly repayments
£800M+
Funded to UK SMEs
24 hrs
Typical funding time
9 of 10
Approval rate
£800M+
Funded to UK SMEs
Overview
What is a bridging finance loan?
A bridging loan is a short-term form of finance that bridges the gap between needing to pay for something now — typically a property — and the funds you're expecting later, usually from a sale or refinance.
It's secured against property and offers fast access to capital. Bridging typically carries higher headline rates than long-term lending, but at Aldgate Capital we work hard to keep them market-leading — and there are no penalties for early exit.
Eligibility
Bridging finance, made simple.
We’re committed to saying “yes” more often. To qualify for an Aldgate Capital Bridging Finance Loan, you’ll need:
An active UK company number
Sole traders, Ltd companies and LLPs welcome.
To own UK property
Residential, commercial or mixed-use, first or second charge.
A clear exit strategy
Sale, refinance or another credible source of repayment.
How it works
From application to completion , fast.
Application
Apply online in under 5 minutes. We’ll need the property, the purpose and your exit.
Assessment
Our specialists assess the deal quickly, with no initial credit check.
Funding
On approval, drawn funds can land in your account in as little as 72 hours.
Use cases
When a bridge makes the difference.
Auction purchases
Hit the 28-day deadline with finance ready before the hammer falls.
Chain breaks
Don't lose the property because of someone else's delay.
Light refurbishment
Add value before refinancing onto a long-term mortgage.
Business expansion
Release equity quickly to fund new sites, kit or working capital.
Why Aldgate Capital
The UK's most open-minded SME bridging lender.
Get funds and move on
Application and approval streamlined so you can focus on running the business.
Fast and friendly
Approved within 3 hours, funded in as little as 72 hours.
High approval rates
We assess the deal, the security and the exit — not just the score.
No credit checks to apply
A conditional offer without a hard footprint on your file.
Cash flow-friendly repayments
Interest-roll-up and serviced options to suit your project.
Early payment discounts
Exit early, save more. No early settlement penalties.
Trusted by UK SMEs
The lender business owners
actually recommend.
Frequently Asked Questions
Get answers to common questions about our loan process
Bridging finance is a short-term loan, usually secured against UK property, designed to 'bridge' a temporary funding gap. It's used when speed matters more than term — typically while you wait for a sale to complete, refinance to land or another inflow of cash to arrive.
Aldgate Capital provides bridging loans from £150,000 to £1,000,000. Loan size depends on the value of the property offered as security, the loan-to-value, and the strength of your exit strategy.
Once approved, funds can typically be released in as little as 72 hours, subject to valuation and legal work. Auction-deadline cases are our bread and butter.
Your exit is how you'll repay the bridge — usually the sale of a property, a refinance onto a long-term mortgage, or a known inflow of capital. A clear, credible exit is the single most important factor in any bridging decision.
We typically take a first or second legal charge over UK residential, commercial or mixed-use property owned by you or your business. We'll talk you through what's possible during application.
Yes. Bridging is asset-led, so we focus on the property and your exit. Adverse credit, missed payments and existing borrowing can usually be considered.
Apply in 5 minutes
Bridge the gap, today.
Apply for bridging finance in under 5 minutes. Decisions in 3 hours, funded in as little as 72.