Bridge Help: products, terms and eligibility

Bridge Help is a UK provider of bridging loans. The legal entity named on its site is Bridge Help Limited, company number 11066746. It is based in Chesterfield. It gives its founding year as Established November 2017.

Bridge Help Limited was established in November 2017 by solicitor Chris Sellars, property development expert Andrew Parker and finance specialist Sam Wood. Its site says Sellars started it after seeing clients face unnecessary red tape when trying to access commercial finance. It is headquartered in Chesterfield (company number 11066746), says it uses a national network of RICS-approved valuers, and says decisions are made by people rather than a computer. It also operates Bridge Help Ventures, an investment arm for investors.

In its own words on scale:

• Says it has lent £124,504,613 to date (figure on its site in October 2026).

Everything on this page comes from what Bridge Help publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Bridge Help publishes one product for UK businesses. The table above gives the amounts and terms as it states them.

• Bridging loans (auction, acquisition, commercial property and buy-to-let finance): Retained or serviced interest options; repaid by sale, refinance or investment funds within the agreed term; up to 75% of Open Market Value.

Bridging loans (auction, acquisition, commercial property and buy-to-let finance)

Four short-term bridging products: auction finance, acquisition finance (commercial or conversion opportunities), commercial property finance for business premises, and buy-to-let finance bridging to a long-term mortgage. Loans run from £100,000 to £3m, up to 75% of property value, secured on retail, commercial or buy-to-let property. Interest can be retained or serviced. Its FAQ says terms typically range from two weeks to two years, and it lends to individuals and companies.

Bridge Help says its finance is used for:

• Auction purchases
• Acquiring commercial or conversion opportunities
• Buying business premises
• Bridging to a buy-to-let mortgage
• Refinancing with an existing lender

Sectors and business types it says it funds:

• Residential buy-to-let property investors
• Commercial and semi-commercial property investors

What it says it does not fund:

• Family homes are not accepted as security.

Bridge Help publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Individuals and companies.
• Security required: commercial premises, mixed-use, buy-to-let and residential investment property or building plots.
• Property in England and Wales.
• Cases with a reduced credit rating or no regular income may be considered.

Bridge Help describes its process like this:

1. Apply through the contact page or contact the team directly.
2. People at the lender assess the application, including site visits and meetings where needed.
3. Valuation and legal due diligence follow on the security.
4. Brokers can register as an introducer and are assigned a Business Development Manager.

Every application is subject to status and the lender’s own criteria at the time.

A bridging loan is short-term borrowing secured on property, used to bridge a gap until a sale or longer-term finance completes. Interest is often rolled up or retained and repaid with the loan at the end, so the plan for repaying it, known as the exit, matters as much as the property.

Lenders lend up to a share of the property’s value and will want to see that exit. Bridging costs more than long-term borrowing, so it is worth understanding how lenders differ before you compare offers.

Points Bridge Help publishes that are worth knowing:

• Offers unregulated lending only.
• Will not accept the borrower’s family home as security.
• Loans are secured against property; lends up to 75% of Open Market Value, varying case by case.
• Specialist in complex deals; decisions made by people rather than a computer.

Security and guarantees

Loans require asset security: retail, commercial and buy-to-let property, mixed-use developments and building plots are accepted, but family homes are not. Borrowing is up to 75% of open market value. Its FAQ says no early repayment penalties apply, though full interest remains due under the loan agreement.

Bridge Help’s site states: “Bridge Help offers unregulated bespoke short-term financing solutions that are not standard, 'off the shelf' options, but flexible and tailored to your needs and circumstances.”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of bridging loans with profiles here include Bridging Finance Solutions (BFS), Colenko and Funding Guru. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.