# Bridging Loans for Limited Companies & SPVs Source: https://www.cashbookfinance.co.uk/blog/bridging-loans-limited-companies-spvs Last updated: 2026-10-03 > How bridging finance works when the borrower is a limited company or SPV - personal guarantees, ownership checks, documents and planning the exit. ## 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. Written by [Bjorn Laku](https://www.cashbookfinance.co.uk/bjorn-laku), Director & CMO. Reviewed by the Cashbook Finance lending team. ### Lenders look through the company to the people behind it. The company borrows, but directors and shareholders are checked and often asked to guarantee. Company #### The borrowing entity Incorporation, ownership, filed accounts and Companies House records are reviewed. People #### Directors and shareholders The identity, experience and credit history of the people with significant control. Guarantees #### Personal guarantees Commonly requested from directors or shareholders, sometimes with independent legal advice. ### 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. ### 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 ### 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. **Related guidance:** [Bridging finance](https://www.cashbookfinance.co.uk/bridging-finance) · [Pricing & decisions](https://www.cashbookfinance.co.uk/pricing-decisions) · [Eligibility](https://www.cashbookfinance.co.uk/eligibility) · [Case studies](https://www.cashbookfinance.co.uk/funding-scenarios) ### More guides on bridging finance - [Bridging vs development finance](https://www.cashbookfinance.co.uk/blog/bridging-finance-vs-development-finance) - [Refurbishment bridging finance](https://www.cashbookfinance.co.uk/blog/refurbishment-bridging-finance) - [Regulated vs unregulated bridging](https://www.cashbookfinance.co.uk/blog/regulated-vs-unregulated-bridging-loans) - [VAT bridging loans](https://www.cashbookfinance.co.uk/blog/vat-bridging-loans) - [What slows down bridging completion](https://www.cashbookfinance.co.uk/blog/what-slows-down-bridging-completion) - [Bridging loans in London](https://www.cashbookfinance.co.uk/bridging-loans-london) --- Cashbook Finance. Cashbook Finance Limited is registered with the Financial Conduct Authority under Firm Reference Number 782472. Company number 10723098. Registered office: Cumberland House, 24–28 Baxter Avenue, Southend-on-Sea, Essex SS2 6HZ. Registered with the Information Commissioner’s Office under reference ZB545200. All finance is subject to eligibility, satisfactory due diligence, credit approval and agreed terms. Invoice finance, trade finance and bridging finance may not be suitable for every business. The availability, structure, amount, pricing, fees, security requirements and completion timescales of any facility will depend on the applicant’s circumstances, the quality of the supporting evidence provided and our assessment of the proposed transaction. Any figures, examples, rates or timescales shown on this website are for illustrative purposes only and do not constitute an offer, commitment or guarantee of finance. Terms and conditions apply. Bridging finance is secured against property. Your property may be repossessed if you do not maintain repayments on a loan secured against it. Applicants should obtain independent legal, financial and tax advice where appropriate.