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Non Regulated Bridging Loans – Get a Quote
Non Regulated Bridging Loans are short-term loans usually used for business or investment purposes, secured against properties not meant to be lived in by the borrower or their family. They are not covered by consumer protection rules, making them a flexible funding option but with different regulations than personal loans. If you're considering one, it's a good idea to get advice to see if it fits your needs.
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
What are the benefits of Non Regulated Bridging Loans?
Non-Regulated Bridging Loans are short-term finance options designed to help individuals and businesses secure funds quickly, typically used in property transactions where speed is crucial. They are often favored for their flexible nature, allowing borrowers to bridge the gap between property sales or purchases without the rigorous requirements of traditional loans.
Quick financing
Flexible payment terms
Short-term solutions
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What are the different types of Non Regulated Bridging Loans?
Commercial Bridging Loans
Short-term loans for purchasing or refinancing commercial property, not covered by FCA regulation.
Auction Bridging Loans
Loans used to quickly secure property bought at auction, usually completed within tight deadlines.
Development Bridging Loans
Short-term finance to fund property development or refurbishment projects, not regulated by the FCA.
What is a Non Regulated Bridging Loan?
Lack of Regulation
Non regulated bridging loans are not overseen by the Financial Conduct Authority (FCA), which means there are fewer consumer protections and more risk for the borrower.
Higher Risks and Costs
These loans are accessible to more people, since eligibility checks focus mainly on having valuable collateral and a clear plan to repay the loan, rather than strict credit or income checks.
Higher Risks and Costs
Non regulated bridging loans can be arranged quickly and for larger amounts, but they often come with higher interest rates, short repayment times, and the risk of losing your property if you cannot repay on time.
Real Scenarios
Construction Company Needing Fast Working Capital
Situation
A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.
Challenge
Traditional bank applications were too slow; they needed a decision and funds within days.
Outcome
Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.
Ecommerce Business Preparing for Peak Season
Situation
An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.
Challenge
They wanted flexible terms and a quick turnaround so stock could be ordered in time.
Outcome
Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.
Marketing Agency Using Invoice Finance
Situation
A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.
Challenge
They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.
Outcome
Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.
Property Developer Using Bridging Finance
Situation
A developer needed short-term finance to complete a purchase before selling an existing property.
Challenge
They required a fast decision and flexible terms to align with the sale timeline.
Outcome
Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
FAQ’S
What is a Non Regulated Bridging Loan?
Which sectors use Non Regulated Bridging Loans?
What security is required for a Non Regulated Bridging Loan?
Can you get a Non Regulated Bridging Loan with bad credit?
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