Bridging Loans: Fast Access To Funding When Timing Matters

Capify’s Bridging Loans offer short-term finance to cover funding gaps, seize opportunities, and keep your plans moving while longer-term finance is arranged.

20,000+
UK Businesses Funded

Capify Bridging Loans Keep Business Moving While Long-Term Funding Is Arranged

Business opportunities rarely arrive at the perfect time.

Whether you’re managing a temporary cash flow gap, funding a business acquisition, purchasing assets, supporting expansion plans, or waiting for a longer-term finance solution to complete, delays can slow progress when action is needed most.

Capify’s Bridging Loans provide fast, flexible funding of between £10k – £3m designed to help businesses access capital when timing is critical.

We provide the funding you need today, giving you the flexibility to move forward while arranging your next stage of finance.

Bridging Loans How It Works

From Funding Need To Business Opportunity

We’ve simplified the process to help businesses access funding quickly when opportunities arise.

Tell Us About Your Requirement

Share details about your funding need, how the funds will be used, and your proposed repayment plan.

Receive An Initial Decision

Our team reviews your application and assesses the available options.

Funding Is Arranged

Once approved, we work to complete the process and release funds as quickly as possible.

Repay Through Your Exit Strategy

The loan is repaid through an agreed repayment route, such as refinancing, asset disposal, incoming business funds, investment proceeds, or another approved source.

Why Use A Bridging Loan?

Access Funding Quickly

When opportunities or challenges require immediate action, bridging finance can provide access to capital without waiting for traditional lending timelines.

Flexible Use Of Funds

Funding can support a wide range of business requirements, including acquisitions, growth initiatives, working capital support, asset purchases, and refinancing.

Short-Term Solution For Immediate Needs

Bridging loans are designed to help businesses manage temporary funding gaps while arranging longer-term finance.

Support From Experienced Specialists

Our team works closely with businesses to understand their requirements and structure a funding solution that fits their objectives.

What are Bridging Loans used for?

Commercial Property Purchase

Businesses may require quick access to short-term capital for the purchasing of a new commercial property or the land on which a new property is to be built.

Funding a tax bill

Bridging loans can be used to cover corporate tax bills. Funding is secured against your property asset and gives businesses quick access to funding to cover an HMRC tax bill within a short time-frame.

Business acquisitions & expansion

Bridging finance can be used for purchasing stock in bulk, capitalising on a time-sensitive growth opportunity, or just to cover a cash flow gap.

What are the eligibility criteria for businesses looking for a Capify Bridging Loan?

Bridging Loans - Terms Snapshot

We offer flexible short-term funding designed to support businesses when timing is critical.

Funding Purpose

Business growth, acquisitions, working capital support, refinancing, asset purchases, and other commercial funding requirements.

Funding Structure

Short-term finance designed to bridge the gap for up to 24 months until a longer-term solution or repayment event is completed.

Security

Funding for Bridging Loans is secured against bricks and mortar property or personal assets, depending on the circumstances.

Repayment

Repayment is typically linked to an agreed exit strategy or future funding event.

Start Your Funding Application

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Frequently Asked Questions

What is a bridging loan?

A bridging loan is a short-term funding solution designed to provide access to capital while a longer-term finance arrangement, repayment event, or business transaction is being completed.

Bridging finance can support a range of business needs, including acquisitions, working capital requirements, refinancing, growth opportunities, asset purchases, and temporary funding gaps.

The timeframe is typically 24-48hrs to fund, but this is dependent on the complexity of the application and supporting information provided. Bridging loans are designed to provide faster access to funding than many traditional lending solutions.

Yes. Capify have assisted companies with adverse credit previously. We take a holistic approach in reviewing every application. A Bridging loan will be secured on bricks and mortar property and therefore this will add value into the overall offer/application. All our loans need to be affordable for the business. You cannot apply with an active IVA/Bankruptcy

Capify’s Bridging Loans are repaid in more frequent payments – either daily or weekly. They are automated via your business bank account or other linked payment systems, meaning business owners do not need to manually transfer the payments or set aside large sums for a monthly payment.

Keep Your Business Moving Forward

Don't let funding delays slow growth, disrupt plans, or cause missed opportunities. Access the short-term funding you need today while putting your longer-term finance strategy in place with Capify.

Start Your Funding Application