TFG Capital: products, terms and eligibility

TFG Capital is a UK provider of bridging loans. The legal entity named on its site is Not published on site (Companies House name match: TFG Capital Limited), company number 09167389. It is based in Doncaster. It gives its founding year as 2014.

TFG Capital says it was established in August 2014 by James Mortimore and is 100% privately funded. TFG stands for 'The Funding Gap'. It is based in Doncaster and says it lends across England, Scotland and Wales.

In its own words on scale:

• Says it has lent over £150 million in total since inception (figure on its site in October 2026).
• Says it had 300 clients as of 2022.

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

TFG Capital publishes 2 products for UK businesses. The table above gives the amounts and terms as it states them.

• Property finance (secured bridging): Interest-only monthly servicing requirement; secured on residential, commercial, agricultural or land property.
• Cashflow finance (secured): Not published; secured on property, with 2nd ranking charges on director-owned property considered.

Property finance (secured bridging)

Short-term bridging loans secured on property, from £50,000 to £5,000,000 with a maximum term of 12 months and monthly interest-only servicing. TFG says it lends up to 75% LTV on residential, 65% on commercial, 60% on agricultural or industrial land and 50% on land with planning. It says it lends on the value of the security and accepts applicants with poor credit or insolvency history.

Cashflow finance (secured)

Secured cashflow loans for UK SMEs in England, Scotland and Wales, secured on property and other assets including vehicles and equipment, with the same loan range, 12-month maximum term and interest-only servicing. The site states these loans are non-regulated.

TFG Capital says its finance is used for:

• Stock purchases
• Creditor pressure relief
• HMRC debt resolution
• Seasonal cashflow smoothing
• Business acquisitions
• Refinancing existing loans

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

• Property businesses, investors, companies and high net worth individuals.
• SMEs in England, Scotland and Wales for cashflow finance.
• Lends against the 90-day value of the security rather than financials, serviceability or credit history.
• Security accepted: residential, commercial, agricultural and land (with or without planning).
• Equitable 2nd charges on personally owned property, or 1st charge on personal property to secure a business loan, accepted.

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 TFG Capital publishes that are worth knowing:

• Secured lending: property used as security.
• Poor credit or past personal or business insolvencies are stated as acceptable in the background.
• Interest-only monthly servicing requirement.
• Terms up to 12 months on the property finance page.

Security and guarantees

Security accepted includes residential, commercial, agricultural and land (with or without planning), equitable second charges on personally owned property, and, for cashflow loans, vehicles and equipment. TFG says it does not offer regulated loans and is not regulated by the FCA.

The pages we checked do not carry a regulatory statement, so we describe none. Ask TFG Capital how it is regulated and check any claim on the FCA Register.

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 Westwood Capital Finance, Assetz Capital and Black & White Bridging. 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.