Get the funds you need—without delays, rejections, or stress.
Need a bridging loan fast but your finances aren’t exactly ‘simple’? You might be self-employed, have income from different sources, or be buying under a limited company. You’re not alone.
Every week, we speak to new property developers, landlords, and investors struggling to get quick finance—not because the deal is bad, but because the application is messy. And lenders don’t wait.
Let’s fix that.
What Is a Bridging Loan?
A bridging loan is a short-term secured loan, often used to buy a property quickly—before long-term funding is in place, or before a sale goes through.
In most cases, they’re used to:
- Secure auction properties
- Buy before you sell
- Renovate or convert a property before refinancing
- Bridge the gap between purchases
But here’s what matters: bridging loans are fast, flexible, and funded based on assets—not income. But lenders still need to trust you’ll repay.
Why Some Applications Get Rejected (Or Delayed)
Even experienced developers run into problems with bridging loans—especially when things get complicated. Here’s what that looks like to a lender:
- You’re self-employed with fluctuating income
- You have multiple income streams—rental, salary, dividends, freelance
- The purchase is via a limited company or SPV
- You’re refinancing another bridging loan
- You have a lower credit score or missed payments
- The security is non-standard (e.g. mixed-use or part-commercial)
- You’re using gifted deposits or equity from another asset
These situations aren’t deal-breakers—but they do need to be handled right.
How to Make a “Complex” Case Easy to Approve
The key to getting approved quickly isn’t perfection—it’s preparation.
You need to present your deal and documents clearly. Think of it like a pitch: if the lender sees the whole picture, you get a “yes.” If things are missing or unclear, it’s a “maybe”—and that kills speed.
Checklist: What You Need Ready
Here’s what to pull together before you apply:
| Document | Why It Matters |
| Proof of ID & address | Standard compliance check |
| Last 3–6 months of bank statements | Shows real cash flow |
| Income breakdown (accounts, SA302s, payslips) | For complex income types |
| Evidence of deposit | Confirms you can complete |
| Details of property security | Valuation depends on it |
| Your exit strategy | Reassures lender you’ll repay |
| Company details if LTD | Verifies who’s borrowing |
Get these right, and you’re already ahead of 70% of applicants.
Tip: Use Dual Representation to Speed Things Up
Every bridging loan needs a solicitor. Most of the delays we see come from buyers using solicitors who don’t understand how bridging loans work.
Avoid that mistake. Either:
- Use a solicitor who specialises in bridging finance, or
- Use dual representation—where the same solicitor acts for you and the lender (if the lender allows it)
This avoids slow email chains, missed signatures, and unnecessary questions. If you need one, we’ll introduce you to solicitors who close bridging loans every week.
Why the Broker You Choose Makes All the Difference
Banks and lenders don’t want ‘maybes.’ They want clear deals, fast decisions, and proof the loan will be repaid. If your application looks rushed or unclear, they’ll either decline—or price in the risk.
That’s where an experienced bridging broker comes in.
At Sunrise Commercial Finance, we know exactly:
- Which lenders say yes to complex income
- Who moves quickest (and who drags their feet)
- How to package deals that lenders actually understand
You won’t waste time chasing banks or explaining your finances to someone who doesn’t get property. We do that for you.
Real Client Story: Self-Employed Developer Gets £475,000 in 5 Days
Tom, a first-time developer, came to us after another broker told him he’d need 3–4 weeks for approval. He was buying an ex-care home to convert into flats—and had income from his construction company, rentals, and a dividend from a family business.
Most brokers said it was “too complex.”
We said: “Send everything today. Let’s get this done.”
We used a lender we knew would accept all income types, worked with our trusted solicitor under dual representation, and had an offer in 48 hours. Funds hit in 5 working days.
Tom didn’t lose the deal—and made £115k profit.
What’s Your Exit Strategy?
Lenders don’t expect you to hold the loan forever. They want to know how you’ll pay it back. That’s your exit strategy. Common ones include:
- Sale of the property
- Long-term mortgage or refinance
- Sale of another asset (like another property)
- Incoming inheritance or lump-sum payment
We help you frame your exit in a way lenders understand—and trust.
FAQ: Fast Bridging Loans With Complicated Finances
Q: Can I get a bridging loan with bad credit?
Yes. Lenders focus more on the property and exit plan than your credit score. We work with lenders who take a flexible view.
Q: Can I use income from abroad or multiple jobs?
Yes—but you’ll need to show it clearly. The key is clean documentation.
Q: Do I need experience as a developer?
Not always. If the deal stacks and the exit is solid, many lenders will still lend—especially if you use good advisers.
Q: What if I’m buying through a limited company?
No problem. Just make sure you’ve got your company documents, shareholders, and structure ready to go.
Q: How long does it take?
We’ve completed deals in as little as 3 working days. Typical time is 7–14 working days—but only if you’re organised.
Your Next Step: Let’s Review Your Case for Free
If you’ve got a property deal on the line, don’t wait until a bank delays you or another buyer swoops in. Get your application assessed by someone who understands speed.
At Sunrise Commercial Finance, we:
- Help you gather everything you need
- Package your application professionally
- Match you with the right lender
- Introduce you to fast-moving solicitors
- Keep things moving until you get funded
We don’t charge to review your case. You’ve got nothing to lose—and everything to gain.
Get Started Today
Visit sunrisecommercial.co.uk to book a callback, or call now for immediate help. We’ll get back to you within 1 business hour.
📞 Call us at 07939 091418
📧 Email: john@sunrisecommercial.co.uk
🌐 Visit: https://www.sunrisecommercial.co.uk/
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