Can a company group raise bridging finance against its property?
Yes — company groups can use bridging to release capital against UK property held within the group, for business purposes. Berkeley Credit underwrites the asset and the exit, and structures the security across the group as needed. Loans from £50,000 to £25,000,000, with a same-day decision.
Group structures — a holding company over trading or property subsidiaries — are common and often need finance secured on an asset held by one entity to support the wider group’s working capital, an acquisition or a time-sensitive opportunity. We are comfortable structuring a charge over the relevant property with cross-guarantees and debentures across the group, so the security reflects how the businesses actually relate to each other.
This is business-purpose lending; the property must be one the group doesn’t occupy as a residence. We verify the group entities and beneficial owners as standard. Acceptance is subject to underwriting and AML checks.
Can a holding company borrow against a subsidiary’s property?
Yes, with the security and guarantees structured across the group. We document the charge and cross-guarantees to reflect how the entities relate.
What can the funds be used for?
Business purposes — working capital, an acquisition, or a time-sensitive opportunity. The exit is typically a refinance or sale, assessed at underwriting.
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.