Bridging finance is short-term borrowing secured against property or land. It can bridge a defined timing gap, but it needs a credible way to repay the loan, commonly a sale or longer-term refinancing.
How it works
The lender considers the property, security, borrower and proposed exit. Interest may be paid during the term, retained from the advance or added to the balance. These choices affect both the cash received and the amount ultimately repayable.
What to consider
- A proposed refinance is not guaranteed; test whether the future lender’s requirements can be met.
- Compare the full cost, including valuation, legal, arrangement, exit and extension fees.
- Allow for sale delays, lower valuations and works taking longer.
- Property used as security may be repossessed if the loan is not repaid.
What to prepare
Property details, purchase or valuation evidence, a schedule of works where relevant, available equity and a realistic exit timetable with a contingency.
Where a home or residential occupation is involved, the regulatory position needs specialist assessment. Greystone can help with business figures and introductions; the appropriate authorised specialist must handle regulated advice.
How Greystone can help
We can help you understand the figures and consider the effect on your business and the family behind it. Where detailed forecasts, calculations or application support are needed, we will agree the scope and any fee with you first.
Explore your next step
Start an enquiry with Swoop, or contact Greystone for a free initial conversation.
The portal opens on Swoop’s website. Swoop can confirm available products and the appropriate specialist route. An enquiry is not a funding offer.
Browse all funding and financial health guides
Prepared by Greystone Advisory using Swoop product information; reviewed October 2026. General information, not a personal recommendation. Greystone is not a lender. Funding is subject to eligibility, assessment and terms. We may receive commission from Swoop following completed funding. Specialist legal, tax or regulated advice may be needed for your circumstances.
