Can A Limited Company get a Bridging Loan, are Bridging Loans available to any legal entity?

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Can you get a bridging loan for a limited company?

Yes Bridging Loans are available for limited companies and also private individuals and LLP Partnerships, the basis of a bridging loan is secured only on the Property which the lender will fall back on to if the loan should need re-paying in this situation they would simply take the property and put it up for auction to recover their loan so in effect loans are too the property the same way that a mortgage is secured against a property, we deal with many lenders who are quite happy to offer to fund to all legal entities in the UK. A bridging loan is a short-term funding line that bridges the gap between what you have now and some future income, many ltd companies will use a property they own it could be their business premises or even the directors home, or buy to let portfolio, a bridge comes in handy when no other source of cash flow can be found, business owners use them to raise capital that is locked up in an asset, this could be because they cannot get an overdraft on an extension on their current overdraft, perhaps they need working capital or need to buy some plant or machinery and have been refused credit elsewhere, the loan is taken out against the property and repaid either by future sale  or it could be that some funds are due in from another source.


How Long Can a Limited company take a loan for?


Bridging loans are a short-term solution so you should only ever consider one if you are confident that you will have the means to repay the loan when it falls due, the standard term is 12 months with some lenders willing to extend for another 6 months when the term expires, after this they will want the loan repaying in full, so when you initially apply you need to be very clear what your exit strategy is going to be the lender will also need convincing that this is achievable, it is no good just saying that it will be from you profit or turnover as this is not a given that it will happen, so you need to look forward and plan ahead if it is from the sale of a property then it will need to be on the market at a realistic price so that you sell within the loan term, if it is from another source then it will need to be clearly attainable and the lender will need to be comfortable that the funds will be coming in to clear the loan.


What Loan to Value can I get?


The amount you can borrow with a bridging loan is all based around loan to value and the amount a lender will offer is based on many factors such as the type of property, where it is located in the country, how saleable is it, and what type of charge, the first charge is always the best and will get you the highest loan to value, this could go up to 80% of the total value, with a second charge it can be as low as 65% due to the increased risk to a lender should the loan go into default, each case is unique so there are no hard and fast rules, there are many lenders who offer this type of loan and the key is to find one that is the most suitable for your circumstances.


What Are the Costs?


What ever your legal entity the costs are going to be the same, this consist of Interest repayments, legal fees and a surveyor to evaluate the value of the property, Interest is calculated daily and is always quoted as a monthly rate so if you are quoted 5% per month then the true annual rate is going to be 6% 12 x 5% the rate you are offered by the lender depends on the loan to value you want, type of property and location with the best rates obviously being offered where the loan has a low loan to value ratio, second is the type of property, residential being the cheapest and commercial the least, although some good rates are on offer for prime commercial properties, legal fees will also be charged for both sets of solicitors yours and the lenders these start at around £500 for each, you will be required to foot the bill of the lender’s legal fees but you can agree on these beforehand, finally the cost of a surveyor to value the property for the lender these start at from £250, for a small loan, so all of these will need to be taken into account, note you should never pay any upfront fees to a broker, the only time you will be asked to pay anything is when the valuer has been instructed and then again for the lender’s legal fees.


UK Bridging Loans are one of the UK’S leading bridging loan brokers and can search all of the loans on the market to source the perfect deal for your circumstances.


Contact us now to discuss your proposal and we can assure you of the very best advice and service, call us now 0800 138 6001 or use the contact form on this page to compare loans.


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