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CRE-8 FINANCE

Bridging
Finance

Short-term, asset-backed funding — structured around a clear exit and delivered at the pace the deal demands.

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FUNDING WHEN TIMING MATTERS

Every bridge has an exit.
We structure the route to it.

Bridging finance is short-term, secured funding used to move quickly on an opportunity, unlock capital held in property, or bridge the gap between transactions. We arrange facilities with specialist lenders, challenger banks, debt funds and private capital — matched to your asset, timeline and exit strategy. CRE-8 Finance is a specialist non-regulated broker; we arrange business-purpose bridging loans only.

WHAT WE FUND

Bridging across every asset class.

Residential Investment

Residential Investment

Bridging secured against residential investment stock — single units, HMOs, portfolios and blocks. Used for auction purchases, chain breaks on investment property, refurbishment ahead of refinance, and capital raises against existing holdings.

Commercial & Semi-Commercial

Commercial & Semi-Commercial

Short-term funding secured against offices, retail, industrial, leisure and mixed-use assets. Ideal for time-sensitive acquisitions, refinances of expiring facilities, and repositioning assets ahead of a term-debt or sales exit.

Land & Planning

Land & Planning

Bridging on land with or without planning — from strategic plays through to fully consented sites awaiting development finance. Includes pre-planning funding, planning gain and site-assembly facilities.

ACQUISITION VS REFINANCE

Two reasons to bridge — one disciplined approach.

Acquisition

Speed-driven bridges where completion certainty is the priority — typically funding a purchase that a term lender simply can't deliver in the required timeframe.

  • —Complete auction purchases within the 28-day window when a term lender can't move fast enough
  • —Break a chain by releasing equity from an investment asset to secure the next purchase
  • —Fund light or heavy refurbishment to reposition an asset before refinancing onto term debt
  • —Acquire or hold land through planning and exit into development finance on consent

Refinance & Capital Raise

Short-term facilities used to release equity, restructure debt or provide breathing room while a longer-term solution is arranged.

  • —Refinance a facility that has run its term while a longer-term solution is put in place
  • —Unlock equity in owned property to fund another acquisition, tax bill or business opportunity
  • —Restructure debt across a portfolio ahead of a term refinance or partial sales programme
  • —Bridge to sale where a disposal is agreed but completion sits outside your required timeline
LOAN SIZE
£250k – £100m
LOAN TO VALUE
Up to 80%
TERM
Up to 24 months

HOW IT WORKS

Built for speed, without cutting corners.

01

Initial Conversation

We review the asset, the borrower and — crucially — the exit strategy to make sure bridging is the right route.

02

Lender Sourcing

We approach the right lenders from our panel and compare indicative terms on pricing, LTV and speed to completion.

03

Heads of Terms

We negotiate and agree terms, then coordinate valuation and legal work to move at pace.

04

Drawdown & Exit

We manage the process through to completion — and stay engaged to arrange the exit facility when the time comes.

SPEAK TO A BROKER

Let's discuss your bridge.

Send us a short summary of the asset, the loan requirement and the intended exit. We'll come back within one working day with an initial view on terms.