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Short-term Lending

It's not unusual to need short-term lending, usually when capital isn't available in the timeframe you need it.  Rather than face the disappointment of not being able to proceed, a bridging loan can provide you with a temporary inflow of capital so you can complete the transaction. 

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Whilst bridging loans are expensive, they can be the right solution for you and they tend to be a lot more flexible than a conventional mortgage. For example, maybe the purchase of a new property depends on the successful sale of an existing property? If the timescales don't align or you're looking to re-mortgage and need the extra funding sooner, this can provide the solution.


There are other scenarios where you might consider a bridging loan. Everything from purchasing properties at auction, land acquisition, property development or renovations and buy-to-let investments. It is also suitable for solving temporary cash flow problems or funding a divorce settlement. 


We are experts at assessing your current situation to determine whether a short-term bridging loan is appropriate for your circumstances and needs. We are also committed to ensuring that you fully understand all the procedures and terms related to a bridging loan. After all, the cost of servicing a bridging loan can be high and we will always work with you to establish if this is the most desirable and available option.


We're proud to say we have a proven track record of arranging quick loans at the most competitive rates for both commercial and residential markets, tailored to meet your individual situation.

factors to consider

  • Short-term loans come with a higher rate of interest

  • A higher deposit is required for this type of loan, typically 25%

  • Bridging loans can be used to purchase a property quicker than traditional finance such as mortgages

  • Bridging loan lasts for an agreed term (typically 12 months) and you need to pay it back as a lump sum before or when the term ends.

  • In some cases the lender may require a personal guarantee.

liam's story

Liam started his career in property 8 years ago when he joined a property franchise business and took on his first modest HMO development. Since then, having decided to make the income stream the priority of his business, he has built up a portfolio of over 75 rooms by developing former B&Bs, residential care homes and hotels. He also has a business centre of 20 serviced office suites and a multi-let commercial property. 


He credits being able to build his extensive portfolio partly due to working with Kevin on finance. They met through the property franchise business and Kevin has helped Liam arrange short-term & long term funding at every stage of his business’ growth.  


What Liam likes about working with Kevin is his honesty, reliability, and direct approach to business. Over the years he’s recommended Kevin to others and personally wouldn’t turn to anyone else now. 


Reflecting on their business relationship, Liam says ‘

Kevin gains a thorough understanding of each project to ensure that the right type of finance is in place for each part of the process, which can range from bridging finance, development funding and term products. Having the confidence that Kevin can always secure the necessary funding has been fundamental to our portfolio growth. Obviously there is a broad spectrum of rates dependent upon the part of the process and type of product that you require, and whilst some rates can be ‘eye watering’, these are simply a project cost to be considered based upon the end GDV. "

"You might not like what the rate looks like, but Kevin can always get you something”!


Liam

protecting your investments

When taking out finance for short term funding or a bridging loan, we recommend you also review your protection cover to ensure you've got the right insurance policies in place for all eventualities. 

Contact Us

Contact Us

We're always happy to help

We take pride in finding the ideal financial solution for our customers.

Let us start helping you today.

KMC-Financial Ltd

33 High Street, East Grinstead, West Sussex, RH19 3AF.

01342 645252

Hours

Open today

09:00 – 17:00

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