In property, timing is everything. Whether you’re waiting on a sale to complete, need to act quickly on an opportunity, or facing an unexpected shortfall mid-transaction – cash flow gaps happen. This is where bridging finance comes into its own.
What Is Bridging Finance?
Bridging loans are short-term funding solutions designed to ‘bridge’ a gap in cash flow. Typically lasting between 3–18 months, they’re fast, flexible, and asset-backed – making them ideal for situations where traditional lending may be too slow or rigid.
Common Liquidity Challenges Bridging Can Solve
Delayed Property Sales
Waiting on a buyer, but need to move ahead with your next project? A bridge loan can unlock equity from a property before the sale completes.
Auction Purchases
Auction timelines are tight. Bridging finance allows you to secure the purchase while longer-term finance is arranged.
Refinancing Under Pressure
Facing an expiring term or lender recall? Bridging finance can refinance your position quickly and buy time to arrange a more permanent facility.
Development Delays or Cost Overruns
If your build hits a cost spike or delay, a top-up bridge or mezzanine loan can cover the gap without halting progress.
Chain Breaks
Bridging can stabilise a deal when a buyer or seller falls through—especially useful in volatile markets.
What Makes Bridging So Effective?
- Speed – Terms can often be agreed in days, not weeks.
- Flexibility – Terms can be shaped around your exit strategy (sale, refinance, etc.).
- No early repayment charges – Ideal if you only need the loan for a short period.
- Credit leniency – Lenders focus more on the asset and exit than your credit profile.
Who Is It For?
Bridging is commonly used by:
- Property investors
- Developers
- Landlords
- SMEs and trading businesses using property as security
At Mortimer Street Capital, we tailor bridging facilities to the situation – whether it’s asset-backed, development-led, or equity-releasing. And because we work with over 200 lenders, we know where to go depending on speed, sector, and risk appetite.
Final Thought
Short-term liquidity pressure doesn’t have to derail your plans. When used wisely, bridging finance can be a strategic tool – buying time, protecting transactions, and keeping your projects on track.
If you’re facing a shortfall, time-critical deadline, or want to better understand your options – we’re here for a smart, no-obligation conversation.
Get in touch to discuss how we can support your funding needs.
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Mortimer Street Capital is a specialist real estate debt advisory firm, dedicated to helping property.
