Bridging Finance Solutions (BFS): products, terms and eligibility

Bridging Finance Solutions (BFS) is a UK provider of bridging loans. The legal entity named on its site is Bridging Finance Solutions Group Ltd, company number 05684772. It is based in Wallasey, Wirral. Companies House shows the company was incorporated 2006.

Bridging Finance Solutions Group Ltd says it has operated since 2006 and has funded personal and commercial borrowers across the UK. It says it is 100% privately funded by its own shareholders and acts as a principal lender. Its registered office is in Wallasey, Wirral (company number 05684772). It lends across England, Wales and Scotland, is a member of the BDLA and says it is FCA regulated for mortgage contracts.

In its own words on scale:

• Says its team has over 200 combined years of property and specialist lending experience (figure on its site in October 2026).

Everything on this page comes from what Bridging Finance Solutions (BFS) publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Bridging Finance Solutions (BFS) publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

• Bridging loans (incl. property purchase, capital release, auction, short-term cash flow): Interest serviced monthly, or retained for up to 12 months; up to 70% of open market value; overpayments without penalty after the initial term.

Bridging loans (incl. property purchase, capital release, auction, short-term cash flow)

A short-term loan secured by a charge on residential or commercial property, designed to move a project or meet a funding need within about 12 months. The bridging page gives loans from £50,000 to £2m at up to 70% LTV of open market value, with terms from 1 day to 24 months, while the FAQ gives a £25,000 minimum. Borrowers can service interest monthly or retain interest for up to 12 months. A RICS valuation from its panel and a solicitor firm with two or more partners are required. Other properties can be offered as additional security on a first or second charge basis.

Self build mortgages

Its FAQ says experienced self-builders without a JCT contract or appointed contractor are supported, using the same staged release against surveyor certification as development finance. The homepage describes development finance for residential construction and self-building from £100,000 to £5m.

Bridging Finance Solutions (BFS) says its finance is used for:

• Quick property purchases and auction acquisitions
• Breaking a property chain
• Refurbishment and conversion
• Capital release and short-term cash flow
• Tax liability settlement and probate
• HMO finance and stock purchases

Sectors and business types it says it funds:

• Property developers
• Self-builders
• Property investors at auction
• Borrowers needing probate funding, capital release or short-term cash flow

What it says it does not fund:

• Standalone second charge facilities are not offered, though second charges may be taken to supplement a loan secured on another property.

Bridging Finance Solutions (BFS) publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Individuals, investors, developers, businesses and homeowners.
• Security: property in England, Wales or Scotland (borrower need not live there).
• A clear repayment strategy (usually sale or refinance) is needed on application.
• Regulated mortgage contracts must be submitted through an FCA authorised and regulated intermediary.

Bridging Finance Solutions (BFS) describes its process like this:

1. Submit an application, directly or through an intermediary.
2. Provide the minimum information needed for due diligence.
3. A RICS valuation is carried out by one of its panel valuers.
4. Solicitors are instructed on both sides.
5. Funds are released through the solicitor on completion.

Information it says it asks for:

• Valuation on the security property by a RICS panel valuer
• Solicitor details (firm with two or more partners)
• For refurbishment: full build cost schedule and planning permission for conversions
• For development: structural warranty or architect’s certificate

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 Bridging Finance Solutions (BFS) publishes that are worth knowing:

• Loans are secured on property; property may be repossessed if repayments are not kept up.
• No standalone second charge loans behind an existing mortgage, though a second charge may be considered to top up a loan secured on another property.
• States no upfront fees and no exit fees on standard loan facilities; valuation fees may be payable.
• Regulated lending is offered through BFS Home Loans.

Security and guarantees

Loans are secured by a charge on property, residential or commercial, with additional properties accepted on first or second charge. Its FAQ says penalty-free overpayments are permitted after the initial term, and that an extension may be possible at the end of the facility. Applicants must be 18 to 80 at the end of the loan term; limited companies and LLPs registered and trading in England and Wales are accepted.

Bridging Finance Solutions (BFS)’s site states: “Bridging Finance Solutions Group Ltd. is a member of the BDLA setting standards within the short term finance sector. BFS Home Loans are authorised and regulated by the Financial Conduct Authority in respect of Regulated Mortgage Contracts No. 563325. Think carefully before securing any debt against your property. Your property may be repossessed if you do not keep up repayments on your loan.”

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 Colenko, Funding Guru and Glenhawk. 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.