The borrowing entity
Incorporation, ownership, filed accounts and Companies House records are reviewed.
Borrow through a company
Bridging loans for limited companies and SPVs.
Many property investors buy through a limited company, often a special purpose vehicle (SPV) set up only to hold property. Bridging lenders regularly lend to companies, but they look through the company to the people behind it: directors and shareholders are checked, and personal guarantees are commonly requested.
Operator notes
Lenders look through the company to the people behind it.
The company borrows, but directors and shareholders are checked and often asked to guarantee.
Directors and shareholders
The identity, experience and credit history of the people with significant control.
Personal guarantees
Commonly requested from directors or shareholders, sometimes with independent legal advice.
Next step
Bring the company documents to the first conversation.
Share the SPV's details, the property and the exit, and we will give you a straight view on fit.
Practical context
The exit has to work for the company, not just the individuals.
Many investors hold property in an SPV for tax and financing reasons, on professional advice. Many longer-term buy-to-let lenders lend to SPVs, which can make a refinance exit easier.
If the plan is to refinance, check early that long-term lenders will lend to the same company on the expected terms, so the bridge can be repaid on time.
- Certificate of incorporation, articles and the register of people with significant control
- Identification for directors and shareholders
- A sale strategy or a refinance agreement in principle
Decision framework
Check the structure before you apply.
Most delays come from missing company paperwork rather than the property.
Ownership
Clear ownership and control of the SPV.
Guarantees
Who will guarantee, and on what terms.
Exit
A refinance or sale available to the company.
Illustrative guidance only; eligibility, pricing and terms are confirmed after review. Bridging finance is secured against property. Your property may be repossessed if you do not maintain repayments on a loan secured against it.