Momentum Finance Limited is a property and business lender based in London, established in 2017. It provides short-term bridging, development, and commercial mortgage facilities primarily for UK small and medium enterprises and property investors. This lender may suit businesses and investors with real estate collateral looking for flexible lending solutions. For a broader understanding of property finance options, see our financing options overview and lender guides.
Key Features of Momentum Finance
The lender offers several practical features to support borrower convenience and effective loan management.
- Access to an online application and document upload portal for streamlined submissions.
- Provides a quick instant indicative quote engine for bridging finance enquiries.
- Assigns a dedicated relationship manager to clients from application through to redemption.
- Uses integration with leading valuation and legal panels to hasten deal completions.
- Offers portfolio analysis tools helpful for professional landlords managing multiple properties.
Funding Eligibility with Momentum Finance
You may qualify for Momentum Finance products if your business or investment activities meet certain requirements. Typically, a minimum trading period of 6 to 24 months applies, though special purpose vehicles (SPVs) are often exempt from this prior trading history. Eligibility also depends on acceptable geographic focus—primarily England and Wales, with select cases in Scotland and Northern Ireland. Further criteria include proven development experience for development loans and sufficient rental income coverage for buy-to-let portfolio loans. For detailed requirements, review our loan eligibility guidelines, credit facility definitions, and alternative finance options.
Loan Options Offered by Momentum Finance
Momentum Finance provides several lending products with varied amounts, terms, and rates to suit different property and business financing needs.
- Bridging Loan: £100,000 to £10,000,000 with terms from 3 to 24 months. Monthly interest rates range from 0.55% to 1.25% (6.6% to 15% annually). These loans require 6 to 12 months trading or a new SPV with experienced guarantors. See more about bridging loans.
- Development Finance: £500,000 to £25,000,000 with 6 to 36 months terms. Interest is charged at 7.5% to 12.0% per annum on drawn balances. Borrowers must demonstrate a track record of at least two completed developments. More details on development finance.
- Buy-to-Let Portfolio Loan: Amounts from £50,000 to £5,000,000 available for 2 to 30 years. Interest rates vary between 3.49% and 6.99% per annum (fixed or variable). Rental income must cover 125% to 145% of interest payments. Explore our buy-to-let loans guide.
- Commercial Mortgage: Loans from £250,000 to £15,000,000 with 3 to 25-year terms. Interest rates range from 4.75% to 8.25% per annum. A minimum of two years' trading is required for owner-occupiers. Check commercial mortgages for more information.
How to Apply for a Loan with Momentum Finance
Applicants can expect a mostly digital process with relatively quick decisions, provided all necessary documentation is submitted.
- Begin by completing the online enquiry form or work through a broker submission channel.
- Upload all required documents, including proof of identity, company accounts, property details, and exit strategy evidence, via the secure digital document upload portal.
- Wait for indicative terms, typically issued within 24 to 48 hours, followed by a credit-approved offer in 3 to 7 working days after document review.
- Completion can take 7 to 14 days for bridging loans and 3 to 6 weeks for development and term loans, depending on the legal process.
Funding Agent’s View of Momentum Finance
Momentum Finance may suit experienced property investors, developers, and trading SMEs requiring secured short-term bridging or development funding alongside longer-term mortgages. Its flexible underwriting and wide loan size range offer versatility, but the reliance on property collateral and personal guarantees limits suitability for unsecured or non-property business needs. To explore your options further, visit our business loan calculator, check your eligibility, or compare lenders on our lender comparison page.
