Bridging Loans
Short-term bridging finance, completed at speed
Access funds in days, not weeks - for property, auctions and time-critical opportunities
Get started
Get funding in three simple steps
Check
Answer a few quick questions about your business and funding needs. No credit check required at this stage.
Chat
A dedicated Spark adviser will discuss your options and recommend the best funding structures for you.
Receive
Once approved, funds are released quickly - often within 24-48 hours of completing your application.
Intelligent Lending
Our proprietary matching platform and data infrastructure gives UK SMEs access to the right lender faster than any traditional route.
Time-critical funding needed?
Residential Bridging
Finance residential property purchases before your sale completes or your mortgage is arranged. Typically 1-18 months.
Commercial Bridging
Acquire commercial premises, mixed-use buildings or development sites at auction without waiting for conventional finance.
Development Bridging
Fund refurbishment, conversion or light development projects with flexible drawdown facilities tied to build stages.
Why businesses choose us
Flexible
Terms from 1 to 24 months with open or closed bridging options.
Specialists
Dedicated bridging specialists with access to exclusive lender rates.
Fast decisions
Decisions in hours, completions in days for time-critical deals.
Tailored solutions
We structure every bridging loan around your exit strategy.
Finance by Industry
Bridging and development finance for residential and commercial property developers.
See Property Development finance options →Bridging Loan FAQs
A bridging loan is a short-term secured loan used to 'bridge' a funding gap - typically while awaiting the sale of a property, mortgage approval, or another funding event.
Bridging Loans across the UK
Spark Finance arranges bridging loans for businesses across England, Scotland, Wales and Northern Ireland. Select your nearest city for local rates and expert support.
South East
East of England
Midlands
North West
Yorkshire
Scotland
Northern Ireland
Available in 173 cities and towns across the UK. Contact us if your location is not listed above.
What our clients say
Don't just take our word for it. Hear from the businesses we've helped access the right finance.
SECURE YOUR FINANCE"Could not recommend Finn more highly enough. Fantastic service and communication from start to finish. Was happy to answer 100 questions and always there for any support."
James
Verified Trustpilot Reviewer
"Charlie was amazing throughout the entire process! He responded quickly to all our queries and kept us informed every step of the way. His support and dedication made the experience smooth and stress-free. Highly recommend working with him!"
Sarah T.
Verified Trustpilot Reviewer
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