From Application to Funding in Days, Not Months
Time is money in property and business. Our streamlined process ensures you get the capital you need when you need it most.
Submit your property details and funding requirements online or via phone
Professional surveyor assesses your property (if required)
Our underwriting team reviews and approves your application
Solicitors prepare documentation and conduct final checks
Capital deployed directly to your account - ready to use
Your Property is Your Power
We specialize in asset-backed lending, using your residential or commercial property as security. This allows us to offer competitive rates and rapid approval, as your asset provides the foundation for our funding decision.
Secure & Protected
First charge on UK residential and commercial properties
Up to 75% LTV
Maximize your property's value with flexible loan-to-value ratios
Calculate Your Funding
See your potential loan terms in real-time
Calculate your bridging loan estimate in seconds
Enter any existing mortgage or charges on the property
Adverse Credit AcceptedWe understand that credit histories aren't always perfect. Adverse credit is not an issue - we focus on the asset security and the deal itself.
Minimum Loan RequirementOur minimum lending amount is £300,000. We specialise in substantial property financing for serious investors and developers.
Your Loan Summary
Ready to secure your funding in as little as 5-7 days?
This calculator provides an estimate only. Actual rates and terms may vary based on individual circumstances. Subject to status and property valuation.
⚠️ Development Finance Scope
Keystone Bridge Cap Ltd only finances heavy refurbishments, extensions, loft conversions, and conversions of houses to apartments. We do not finance ground-up development projects.
Your Security is Our Priority
Every loan is secured against tangible assets, protecting both your interests and ours
All loans secured by first charge on UK property, providing security and peace of mind for rapid funding decisions.
As an unregulated lender, we offer greater flexibility and faster decisions for commercial and investment property finance, operating with full transparency and professionalism.
No hidden fees or surprise charges. You'll know exactly what you're paying from day one, with clear documentation throughout.
What We Invest In
Comprehensive funding solutions tailored to your needs
Why Choose Keystone Bridge Cap
Excellence in speed, flexibility, and transparency
Speed
Swift capital deployment in as little as 5 days, helping you seize opportunities without delays.
Flexibility
Lending criteria designed to accommodate diverse asset types and loan-to-value ratios.
Quirky Deals
Proven track record in executing unique transactions tailored to non-standard requirements.
Transparency
Clear communication ensuring full visibility into our processes throughout your funding journey.
Frequently Asked Questions
Everything you need to know about bridging loans
What is a bridging loan?
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A bridging loan is a short-term financing solution secured against property. It "bridges" the gap between needing immediate capital and securing long-term financing. Typically used for property purchases, renovations, or business opportunities requiring fast funding.
How quickly can I get funded?
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Subject to receiving all required documentation and surveyor availability, we can deploy funds in as little as 5 days from your initial application. Our streamlined underwriting process and dedicated team ensure rapid decisions.
What is the maximum LTV you offer?
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We offer up to 70% Loan-to-Value (LTV) on UK residential and commercial properties. The exact LTV will depend on the property type, location, and your specific circumstances.
Do you accept adverse credit?
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Yes! Adverse credit is not an issue for us. As an asset-backed lender, we focus primarily on the property security and the strength of the deal itself, rather than personal credit history. We understand that past credit issues don't define future opportunities.
What is your loan term?
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We offer flexible loan terms of 3, 6, 9, or 12 months. This allows you to choose the term that best suits your specific needs - whether you need short-term funding for a quick property flip or longer-term finance for renovations and securing permanent financing.
What are your interest rates?
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Our monthly interest rate is 1.1%, charged on the loan amount. This transparent, straightforward pricing means you know exactly what you'll pay with no hidden fees or surprise charges.
Are you FCA regulated?
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No, Keystone Bridge Cap is an unregulated lender. This allows us to offer greater flexibility, faster decisions, and solutions for deals that don't fit traditional regulated lending criteria. We operate with full transparency and professionalism, focusing on commercial and investment property finance.
What types of property do you lend against?
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We lend against UK residential and commercial properties, including mixed-use developments. Each property is evaluated on its merits, location, and value. Our flexible approach means we can consider a wide range of property types.