# Bridging Loans for Limited Companies & SPVs Source: https://www.cashbookfinance.co.uk/insights/bridging-loans-limited-companies-spvs Last updated: 2026-10-26 Author: Bjorn Laku, Director & Chief Marketing Officer (https://www.bjornlaku.com/) Publisher: Cashbook Finance Limited > How bridging finance works when the borrower is a limited company or SPV - personal guarantees, ownership checks, documents and planning the exit. FCA-registered UK lender FRN 782472 ## 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. Written and reviewed by [Bjorn Laku](https://www.cashbookfinance.co.uk/bjorn-laku), Director & CMO. Business bridging only: Cashbook Finance does not offer regulated bridging loans secured on a home the borrower or a close family member lives in. LTV · Property → short-term capital Illustration Bridging structure check A £325,000 loan against a £500,000 property Within reference **65%** loan-to-value, against a 70% illustrative reference point - **Equity remaining** £175,000 - **Headroom to 70% LTV** £25,000 Estimated property value · £500,000 Requested gross loan · £325,000 Within a 70% illustrative LTV reference point. **Security risk:** Your property may be repossessed if you do not keep up repayments on a loan secured against it. Check eligibility · Costs and exit **£30m+** funded · **100+** UK businesses since 2019 · London SE1 - FCA **782472** - ICO **ZB545200** - Companies House **10723098** ### Lenders look through the company to the people behind it. The company borrows, but directors and shareholders are checked and often asked to guarantee. 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](https://www.cashbookfinance.co.uk/insights/bridging-finance-glossary#term-personal-guarantee) are commonly requested. 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. Check eligibility · About 2–3 minutes, no credit search. ### 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](https://www.cashbookfinance.co.uk/insights/bridging-finance-glossary#term-special-purpose-vehicle-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 Which suits you ### Company or personal name? | Your situation | Usually the better fit | Why | | --- | --- | --- | | Buying rental property through a new SPV | Company bridge, refinance to SPV buy-to-let | Exit available to the same company | | Trading company buying its own premises | Company bridge or commercial mortgage | Depends on the timetable | | The property will be a family home | Not a business bridge | That is regulated mortgage lending | | Directors cannot give guarantees | Raise it at the start | Guarantees are commonly required | Worked example Check eligibility · About 2–3 minutes, no credit search. ### An SPV purchase and refinance. An SPV buys a £300,000 rental property with a £195,000 bridge and refinances onto a buy-to-let mortgage for the same company in month 6. Confirm early that a long-term lender will lend to the same SPV, so the refinance can repay the bridge on time. Check eligibility · Talk it through with a director | Property value | £300,000 | | --- | --- | | Gross loan (65% loan-to-value) | £195,000 | | Arrangement fee, 1%, from the loan | £1,950 | | Interest at 1% a month, rolled up, for 6 months | £11,700 | | Repaid at exit (loan plus interest) | £206,700 | | Cost before valuation and legal fees | £13,650 | | If the exit is 3 months late | +£5,850 in interest | Illustrative: interest at 1% a month, rolled up, and an [arrangement fee](https://www.cashbookfinance.co.uk/insights/bridging-finance-glossary#term-arrangement-fee) of 1% of the loan. Valuation and legal costs are extra and quoted per case. Bridging finance is secured against property, which may be repossessed if repayments are not maintained. ### 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/case-studies) Quick answers ### Common questions. Check eligibility · All questions **Can a new SPV get a bridging loan?** Yes. Lenders look through the company to its directors and shareholders, so their experience and position matter. **Will I need to give a personal guarantee?** Commonly, yes. You may be asked to take independent legal advice on it. **What company documents are needed?** The certificate of incorporation, the articles, the register of people with significant control and ID for the directors and shareholders. **Does the SPV need accounts?** A new SPV will not have any. Lenders rely on the property, the exit and the people behind the company. Can’t see your question? Talk it through with a director #### Official sources - Set up a limited company · GOV.UK - People with significant control (PSCs) · GOV.UK - Companies House · GOV.UK Official guidance and legislation on the rules this page refers to. They explain the rules in general; take advice on your own position. Check eligibility · About 2–3 minutes, no credit search. ### A practical note from the lender. **Bjorn Laku: commercial judgement** Bridging delays usually come from unclear security, weak exit evidence or legal details that should have been surfaced before the deadline became urgent. ### More guides on bridging finance - [Refurbishment bridging finance](https://www.cashbookfinance.co.uk/insights/refurbishment-bridging-finance) - [Regulated vs unregulated bridging](https://www.cashbookfinance.co.uk/insights/regulated-vs-unregulated-bridging-loans) - [VAT bridging loans](https://www.cashbookfinance.co.uk/insights/vat-bridging-loans) - [What slows down bridging completion](https://www.cashbookfinance.co.uk/insights/what-slows-down-bridging-completion) - [Bridging loans in London](https://www.cashbookfinance.co.uk/bridging-loans-london) - [Auction bridging finance](https://www.cashbookfinance.co.uk/insights/auction-bridging-finance) --- 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.