Independent lenders, working in conjunction with each other on larger funding requests or privately for smaller amounts to offer financing to those with an adverse credit history, or for those that have just been refused elsewhere. We probably offer the quickest decision, in fact not principle, on bad credit bridging loans in the UK today. We base all borrowing on equity, not on credit score, which means we can lend when others have said 'No'.
Unlike other crowdsourced or crowd funded lending companies, we categorically, do not charge any form of 'lock-in' fee. Typically, other crowdfunding lenders have a two thousand pound lock-in charge. We do not. We also have no upfront administration or 'set-up fees'. Simply get the correct paperwork across to use with the valuation of the property you are going to use as security, and as long as you have equity in your property, we should be able to bridge the gap for you.
No tricks, no gimmicks, just a first class service, almost instant decision and cheap bridging loans rates for all that have been refused elsewhere for short term secured finance. Click the 'get a quote' button or call 08454751814 or 02032877169 today for a fast and competitive offer of adverse credit bridging finance.
4 easy steps for quickly accessing secured borrowing options.
Get in touch with us several ways.
If you are on your phone, you can click the number below to speak to us directly. It will redirect to a mobile if our office is unattended. If we are unable to call leave a voicemail with contact number and name.
We will value your home to determine loan.
Loans are based on equity, not credit score. Depending on the how much equity you have will determine the amount you can borrow from us. We will let you know as soon as the valuation hits our desk.
Get an offer of finance almost immediately.
We don't mess around. We will tell you exactlyhw much we are able to lend instantly. This may be more or less than you need based on the equity. This is where we also factor in rates of interest and style of bridge.
Accept & we transfer funds instantly.
As long as all paperwork is present and correct, we can transfer funds to your personal, business or any nominated bank account instantly. We can also work to a specific date if required.
Or tap to call: 0845 475 1814
Low rating score and bad credit accepted.
Poor credit score.
For those people reading this that are not too sure how your credit rating works, there is simply a list of all the credit and debt you have or have had and how you have gone about repayment. Missed credit card payments, mortgage defaults even monthly phone contracts all contribute towards your score. Everything missed is a black mark, the more you have, the lower you score, the lesser your chance of future credit arrangements.
An adverse repayment history affects your chance of lines of credit. If you are a repeat offender when it comes to late payments, this will work against you. Creditors and lenders prefer to see prompt payments every month, rather than a couple of days late. It gives them the impression that you are not managing your money correctly and start to shift you towards the unreliable category. We don't look at credit history.
Very bad credit.
A very bad credit score comes from not making repayments on any or all loan facilities. Whether you have lost your job, got divorced or separated and didn't even know their was lines of credit taken out in your name and therefore are not attending to them or whatever, failure to make repayments flags you as unlendable. We based our finance on equity, not your credit score, which makes us an ideal lender of bad credit bridging loans in the UK.
Bankrupts and CCJs.
There comes a point in time, where lenders and those companies that give lines of credit simply have enough and will take legal action against their borrowers. There are usually three outcomes in this scenario. First, CCJ's or county court judgements. Your local court will force you to pay. Second comes bankruptcy. This is where your assets are foreably removed. Third is property repossession. Your home is taken from you.
Bad credit and non status offers made on equity.
We operate a flexible approach to the funding and can arrange loans for people with good or bad credit history, the self-employed and small companies without accounts. Our borrowing options can be set up for you within a super rapid 24 hours.
To achieve this we offer a SAME DAY decision, usually within 1 hour and in-house lawyers and notaries if needed, however you are totally free to use your own legal team if you require. We also handle all documentation and on the same day send, and through our FREE first class mail courier if necessary.
Call on our local rate 0845 475 1814 from a land line or call 0203 287 7169 from your mobile or request a call back by using the quick contact form on the right hand side, or just below depending on whether you are browsing on a PC or mobile device. Alternatively, click the button for our full on enquiry form. Equity loans now available to combat bad credit scores.
Fast bad credit bridging loans are our specialty and because we offer both an unregulated and regulated service, and can offer both 1st and 2nd charge, we are not bound by strict guidelines sanctioned on banks or building societies or certain funding packages, which means a quicker decision and a faster pay out on any secured advance you are offered.
Our expert team with over three decades of experience in the short term funding market are on had during normal business hours to field your call and answer any questions you may have regarding funding styles.
They can also accept your application on the phone too without you being obliged to accept any secured loan offered to you. If you are unsure about your credit report, check your's for free at ClearScore today.
Call to on 0845 475 1814 or you can click below to apply online, or you are able to call us up from your mobile phone on the landline number 0203 287 7169 or request a call back by using the quick contact form on the right or directly below this block, still without being under any obligation to accept any offer presented to you. Alternatively, apply online by clicking the button.
Quick contact form
Business and commercial
We have a sackful of products for business and commercial borrowers. From property investment lending to new machinery or equipment, our full range of adverse credit opportunities and finance should help you get the funding you require. Financing package are not exclusive to just a bridge We also offer revolving credit facilities, guarantor loans and asset finance packages.
A quick decision so you can be safe in the knowledge you are bidding and funds are available. Nothing more embarrassing to win at a property auction and then to find afterwards you have been let down by your lender of auction finance. We can offer funding that can be used at any property auction anywhere in the United Kingdom including Wales and Scotland but not Ireland.
Homeowner and residential
Banks and building societies now have strict codes in place which adversely affect many people when it comes to borrowing. We bas funding on equity, not credit score and are usually able to help in most homeowner or residential cases. We are not regulated by the same restrictions so can offer all short term packages based on the equity in the property being used as security.