Large Bridging Finance
Short-term property finance
We arrange large bridging loans within our established £2m to £100m+ transaction range for experienced borrowers buying, refinancing or improving UK property. The facility is built around a credible repayment route, not simply the speed of completion.
Typical use cases
- Time-sensitive acquisitions Purchases where a conventional lender cannot meet the contractual completion date.
- Chain breaks Short-term capital that allows a purchase to complete before an existing asset is sold or refinanced.
- Refurbishment Acquisition and works funding for assets requiring improvement before term finance or disposal.
- Complex refinance Replacing an expiring facility while valuation, leasing, planning or sale matters are resolved.
How we structure the deal
- We establish the purchase or refinance requirement, security value, works budget and the intended exit at the outset.
- The facility may combine an initial advance with retained funds released against monitored works or agreed milestones.
- We compare leverage, interest treatment, fees, covenants and extension provisions rather than relying on headline pricing alone.
- The exit is tested before lender selection, whether it is a sale, investment refinance, development facility or portfolio restructure.
What lenders look for
- Exit certainty Evidence that repayment can occur within the proposed term, with suitable contingency.
- Asset and valuation Current value, marketability, title, condition and any material planning or environmental issues.
- Borrower capability Relevant ownership, refurbishment and delivery experience, plus a clear source of equity.
- Execution readiness A credible professional team and documents ready for valuation, legal and credit review.
Frequently asked questions
What is classed as a large bridging loan?
For this service, we focus on bridging requirements from £2m. Larger facilities may involve a single lender, a club arrangement or a structured capital solution.
Can bridging finance cover refurbishment costs?
Yes. A lender may fund part of the purchase and release further capital against an agreed schedule of works, subject to valuation and monitoring.
How quickly can a large bridge complete?
Timing depends on valuation, legal due diligence, borrower information and the complexity of the security. Early preparation is usually more important than an indicative promise of speed.
Can interest be retained or rolled up?
Often, subject to leverage and lender policy. We model the effect of retained or rolled interest on the net advance and exit balance.
What can repay a bridging facility?
Common exits include sale, investment refinance, a development facility, portfolio refinance or repayment from another evidenced liquidity event.
Offices
Registered and North of England office: Ayrshire Lodge, Brass Castle Lane, Nunthorpe, Middlesbrough, TS8 9EB.
London office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.
Telephone +44 7746 212528. Email som@unicorn-commercial.co.uk
Unicorn Capital Advisory is a trading name of Unicorn Capital Advisory LLP (LLP No. OC459692). Finance is arranged for business purposes only and is not regulated by the Financial Conduct Authority.
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