Lendhub: products, terms and eligibility

Lendhub is a UK provider of bridging loans. The legal entity named on its site is Lendhub Limited, company number 10389118. It is based in London. It gives its founding year as 2016.

Lendhub says it launched in 2016 to change how property professionals borrow. Its site lists a first major development loan in 2017, paperless applications in 2018, institutional funding in 2019 and expanded loan products in 2020. It moved to larger premises in 2022; its registered address is Chase House, 305 Chase Road, London N14 6JS. It says it is a member of the Financial Intermediary & Broker Association (FIBA) and the National Association of Commercial Finance Brokers (NACFB).

In its own words on scale:

• Says it had completed over 50 loans by 2019 and redeemed over 100 loans by 2021 (figures on its site in October 2026).

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

Lendhub publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

• Bridging: Serviced, retained, part-retained or rolled interest; max LTV 75% (feature list states up to 80% LTV and up to 90% LTP).
• Refurbishment: Rolled interest; max LTV 75%, max LTGDV 75%, up to 90% LTC; light-touch drawdown process.
• Development: Not published; max LTC 90%, max LTGDV 70%.

Bridging

Loans of £100,000 to £10m for up to 24 months, secured on residential, commercial or mixed-use property in England and Wales. Lendhub’s page gives a maximum LTV of 75%, with an overview mentioning up to 80%. Interest can be serviced, retained, part-retained or rolled. A valid exit such as development, refinance or sale is required.

Refurbishment

Loans of £250,000 to £10m for up to 24 months in England and Wales, with net day-one LTV up to 75%, LTGDV up to 75% and loan-to-cost up to 90%. Lendhub describes a light-touch asset manager drawdown process and rolled daily interest. At least one borrower or guarantor needs three completed refurbishment projects in five years.

Development

Loans of £500,000 to £7.5m for 6 to 24 months with loan-to-cost up to 90% and LTGDV up to 70%. Properties must be in England and Wales and are valued independently. Lendhub says it can lend on projects already underway and structure bespoke facilities for non-standard deals.

Lendhub says its finance is used for:

• Property purchase including auction purchases
• Refinancing existing property
• Refurbishment projects
• Ground-up development and conversions
• Funding projects already underway

Sectors and business types it says it funds:

• Property professionals: investors, refurbishers and developers

What it says it does not fund:

• Property outside England and Wales

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

• Individuals aged 18 to 85, and companies.
• Maximum 4 applicants.
• Valid and reasonable exit strategy required.
• Source of deposit must be disclosed on purchase cases.
• Properties in England and Wales: residential, commercial and mixed-use.
• No bankruptcy or winding-up petition in the last three years.

Lendhub describes its process like this:

1. Submit an enquiry or online application and receive an initial offer or Heads of Terms.
2. A dedicated case analyst arranges the valuation.
3. Send personal and property documents for review.
4. Legal partners draft the facility letter.
5. Sign the final loan documents and receive funding.

Information it says it asks for:

• Source of deposit
• Affordability evidence for interest servicing
• Detailed property information
• Information about the applicant

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 Lendhub publishes that are worth knowing:

• Full personal guarantees required from all directors and shareholders holding more than 25% of a company.
• Non-regulated lending only.
• Criminal convictions not permitted for individual borrowers.
• Evidence of affordability to service interest may be requested.
• States there are no exit fees.

Security and guarantees

Loans are secured on property in England and Wales. Companies need full personal guarantees from directors and shareholders holding over 25% of equity (bridging page).

Lendhub’s site states: “Lendhub Limited is registered in England & Wales. Registered Company Number: 10389118. Registered Address: Chase House, 305 Chase Road, London, N14 6JS”

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 MS Lending Group, MT Finance and Octane Capital. 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.