Can an SPV or limited company get a bridging loan?
Yes. Berkeley Credit lends to special purpose vehicles (SPVs) and limited companies borrowing against property in England and Wales. Corporate ownership is the norm for property investors, not an obstacle: we underwrite the asset and the exit and take security over the SPV and its property. Loans from £50,000 to £25,000,000, for business and investment purposes, with a same-day decision.
What is an SPV bridging loan?
A special purpose vehicle is a limited company set up to hold property, and an SPV bridging loan is short-term finance secured against a property held in that company. Lending to a clean, single-purpose company is often simpler than lending to a trading business, because the security and the borrower are ring-fenced. This is an exact-match companion to our complex ownership structures hub, which covers trusts, partnerships, layered groups and offshore holding companies.
How we lend through corporate structures
We are asset-led, not affordability-led. We look first at the property — a sound asset, realistically saleable within a 180-day window — and then at the exit, whether a sale, a refinance or business proceeds. We take a legal charge over the property and a debenture over the SPV, usually supported by a personal guarantee from the directors or shareholders. Newly-formed SPVs with no trading history are fine, because the underwriting is on the asset and the exit. Every case is subject to underwriting.
Who we work with
- Property investors and developers holding assets in an SPV or limited company
- Newly-incorporated SPVs set up for a specific purchase
- Group structures and holding companies
- Brokers placing corporate-borrower deals that need to move quickly
Lending is on England and Wales investment property only, for business and investment purposes.
Fast decisions on corporate deals
Corporate borrowing does not have to be slow. Give us the company details, the property and the exit and we will come back with an honest same-day decision in principle and indicative terms, then work with your solicitors to complete at the pace the deal needs.
Related bridging finance
How SPV bridging loans work
- Tell us about the deal. Share the company, the property and your exit, and we give an honest same-day decision in principle.
- Terms and company checks. We issue indicative terms and complete company and security checks.
- Legals and completion. We take a legal charge over the property and a debenture over the SPV, usually with a director’s guarantee, and complete with your solicitors.
Because we underwrite the asset and the exit, a newly-formed SPV with no trading history can still borrow. You can verify any UK company at Companies House.
Talk to us about an SPV deal
Borrowing through an SPV or limited company? Tell us about the company, the property and the exit and get an honest, same-day decision. Loans from £50,000 to £25,000,000.
Frequently asked questions
Can a newly-formed SPV with no accounts borrow?
Yes. Because we underwrite the asset and the exit rather than trading history, a newly-incorporated SPV can borrow, typically with a director’s personal guarantee, subject to underwriting.
What security do you take from an SPV?
Usually a first legal charge over the property and a debenture over the company, supported by personal or corporate guarantees as appropriate.
Do the directors need to give a personal guarantee?
In most cases yes — a personal guarantee from the directors or shareholders is expected. The exact structure is agreed case by case, subject to underwriting.
Is this regulated lending?
No. Berkeley Credit lends for business and investment purposes only, on property the borrower does not occupy, and is not fully FCA authorised. We do not provide regulated advice.
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.