Can you get a bridging loan with an IVA?
Yes — an IVA, ongoing or completed, doesn’t automatically rule out a bridging loan. Berkeley Credit lends on the asset and the exit, so an individual voluntary arrangement is considered case-by-case. Loans from £50,000 to £25,000,000 across England and Wales, for business and investment purposes, with a same-day decision.
An IVA closes most mainstream lending down, but it doesn’t change the fundamentals of a good asset-backed deal. Where an IVA is still running, the arrangement and your insolvency practitioner may need to be factored in, so tell us early. A completed IVA is generally more straightforward and assessed like any other adverse marker — context for the decision, not a barrier to it.
As with every adverse case, disclose the IVA up front and bring a clear exit. Acceptance is subject to underwriting.
Can I get bridging during an IVA?
Possibly — an active IVA may need to involve your insolvency practitioner, but it’s worth a conversation. We’ll give you an honest same-day view on whether it can be structured.
What about after the IVA completes?
A completed IVA is treated as historic adverse credit and considered on the asset and exit. It may affect terms but won’t automatically rule out a loan.
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.