Bridging & Development Finance

Name: Credco
Address: Suite 13, Regus, Admirals Park, Victory Way, Dartford, Dartford, Kent, DA2 6QD, GB
Telephone: 0204 628 0990

Quick, clear finance for bridging gaps or building forward.

Loans from £30,000 to £30 million+

Up to 80% LTV (100% with additional security)

Terms from 1 to 24 months

or call 0204 628 0990

THE APPROACH

Structured for credit. Built for completion.

Specialist bridging and development finance really depends on how smoothly the deal gets to the lender's desk. We understand this well because most of our experience has been on the lender side, rather than on the broker side.

In practice, this means we get everything ready before the file is submitted, not after. Structuring the case, stress-testing the exit, and thinking through the tricky questions a credit team might ask later. By the time our deal reaches a lender, all the answers are already prepared.

The result is quicker decisions, fewer parked deals, and less time in committee. Whether you're bridging a short-term gap, unlocking capital from property, or starting a new development scheme, we will help you find the best way forward. We'll work with you to create a structure that fits your project perfectly, rather than a one-size-fits-all lender's standard form.

SEND US AN ENQUIRY

We will come back quickly, usually the same day. If you would prefer to speak to us now, please call 0204 628 0990.

WHAT SETS US APART

Four things that change the outcome.

The differences that decide whether a case completes or quietly stalls in committee.

01Lender-side experienceYears inside credit committees. We know what gets funded and what gets parked.

02Exit-tested structuresEvery case stress-tested against the exit before it goes forward. No optimistic refinance assumptions.

03Wide specialist panelDirect access to lenders covering ground-up developments, refurbishments and complex structures.

04Adverse credit consideredWe look at the underlying case, not just the credit file. Complex does not mean undoable.

WHAT WE HELP WITH

Cases we look at every week.

01Land acquisition

02Minor and major refurbishments

03Ground-up developments

04Joint ventures and phased funding

05Bridging to planning

06Refinance and restructure

07Capital raise against owned property

TAKE THE NEXT STEPGet expert guidance on bridging and development finance.

CLIENT EXPERIENCE

“Credco arranged a bridging loan for me, and I found the team extremely supportive throughout the entire process. They kept me fully informed at every stage and were always available to answer any questions I had. I cannot recommend Credco highly enough and already have other loan applications progressing with them. An excellent, professional service from start to finish.”

Suman

Hiran, co-founder and director of Credco

WHY CREDCO

“The fastest bridging deals are not fast because the lender is fast. They are fast because the file lands ready to underwrite. That is the work we put in before anything is submitted.”

Hiran, Co-Founder & Director, Credco

MEET THE TEAM →

FREQUENT QUESTIONS

The questions we get asked most.

If yours is not here, ask us directly. We will give you a straight answer, including when the answer is no.

What is bridging finance?A short-term loan secured against property, typically used to bridge a gap before a longer-term outcome such as a sale, refinance or completed project. Terms usually run from a few weeks to 24 months.

What is development finance?Funding to acquire and build out a development scheme. Usually drawn down in stages against build progress, with the loan repaid at the end via sale of the completed units, refinance onto a term loan, or both.

How quickly can bridging finance complete?Average bridging completion times across the market are now around 41 days. Well-structured cases can complete in days. The single biggest factor is how the case is prepared before it goes to the lender, not how fast the lender moves.

What loan-to-value can I get?Up to 80% on most bridging and development cases, with 100% achievable in some scenarios using additional security. Higher leverage means more lender scrutiny on the exit and the borrower experience.

What is the exit strategy and why does it matter so much?The exit is how the lender gets repaid. Usually a sale, a refinance onto a term loan, or cash. Lenders want evidence the exit is realistic, not aspirational. We stress-test it before any case goes forward, which is why our deals tend to complete rather than stall.

A SELECTION OF THE LENDERS WE WORK WITH

Ready to take the next step?

Let us walk through your project and the right way to structure the finance around it.