Can an SPV or limited company get a bridging loan?
Yes — UK property held in a special purpose vehicle or limited company can be financed with a Berkeley Credit bridge, including newly incorporated SPVs. We underwrite the asset and the exit, not a trading history. Loans from £50,000 to £25,000,000, for business and investment purposes, with a same-day decision.
Holding investment property in an SPV is now the norm rather than the exception, and it doesn’t complicate things for an asset-led lender. The security is a legal charge over the property, typically supported by a debenture over the company and personal guarantees from the directors. A brand-new SPV with no accounts is perfectly fine — we are lending against the asset, not the company’s balance sheet.
We will verify the directors and ultimate beneficial owners as part of standard due diligence. Acceptance is subject to underwriting and AML checks.
Do you lend to newly formed SPVs?
Yes. A new SPV with no trading history is fine — we underwrite the asset and exit, so the absence of company accounts isn’t a barrier.
Do directors give personal guarantees?
Usually yes. SPV lending is typically secured by a charge over the property plus a debenture and personal guarantees from the directors, structured to fit the deal.
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.