Can you get a bridging loan after bankruptcy?
Yes — discharged from bankruptcy and need fast property finance? Berkeley Credit considers bridging loans after bankruptcy on the strength of the asset and a clear exit, rather than your credit history. Loans from £50,000 to £25,000,000 across England and Wales, for business and investment purposes, with a same-day decision.
A prior bankruptcy puts most mainstream finance out of reach for years. Asset-led bridging works differently: once you’re discharged, a sound asset and a credible exit can carry a deal that a bank’s scoring would reject outright. We’ll want the background — when you were discharged and the circumstances — but it’s assessed in the round.
Cases where the borrower is still an undischarged bankrupt need particular care and may involve the trustee; talk to us early so we can tell you quickly whether and how it can work. Acceptance is subject to underwriting in every case.
Can I get bridging while still bankrupt?
It’s more complex and may involve your trustee, but it’s worth a conversation — tell us the situation and we’ll give you an honest same-day view on whether it can be structured.
Will a past bankruptcy change my terms?
It may affect the rate or LTV, but for discharged bankrupts the asset and exit are what drive the decision. We assess each case individually.
Berkeley Credit Limited is registered in England & Wales (Company No. 16111009) and with the FCA under the Money Laundering Regulations (No. 1029007); not fully FCA authorised; no regulated advice. All lending is for business and investment purposes only, on property the borrower does not occupy, and subject to valuation, legals and underwriting.