SPV Bridging Loans
Bridging Products — SPV
We lend to special purpose vehicles and limited companies borrowing against property in England and Wales, corporate ownership is the norm for property investors, not an obstacle. £50,000 to £25,000,000, with a same-day decision.
What is an SPV bridging loan?
Newly-Formed SPVs Welcome
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. We verify the directors and ultimate beneficial owners as part of standard due diligence, and acceptance is subject to underwriting and AML checks.
Who we work with
Corporate borrowing, at deal pace.
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.
- 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
How it works
Three steps to completion.
1: Tell us about the deal
Share the company, the property and your exit, and we give an honest same-day decision in principle.
2: Terms and company checks
We issue indicative terms and complete company and security checks.
3: 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.
Common questions