SHORT
TERM
FINANCE
Propifi specializes in legally secured, first-charge bridging loans tailored for commercial property developers. We maintain a dedicated focus on enhancing social housing, assisted living, and retirement sectors across the UK, helping to address vital community needs.
The UK bridging loan market continues to thrive, with remarkable growth ahead. According to the 2024 Mintel UK Bridging Loans Report, the market reached £10.9 billion by the end of 2024, with 25% growth projected over the next five years.
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A nationwide shortage of credit availability and the withdrawal of some banks from the property sector have meant that traditional property finance has never been less accessible.
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Bridging loans are used to solve current market issues and borrower needs. As the demand for property finance outstrips supply, bridging loans fill the gaps left by traditional lenders.
Bridging provides fast, flexible funding to help property professionals create housing in the UK, funded by an international capital base.
A huge market has emerged for large scale developers, buy-to-let investors, and property owners looking to access funds for renovations, refurbishments and developments over a short term of 3 to 12 months. Initially borrowing between £100K to £5M.
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Lending decisions are made at the Senior Management level, typically following a "closed bridge" strategy. This approach ensures that the end user is identified prior to loan approval. In most cases, these end users are tenants of the UK Ministry of Housing, Communities, and Local Government.
OUR MARKET
Funds are provided more quickly through rigorous, but less bureaucratic, decision-making processes – still allowing for the focus on individual exit routes and asset valuations.
COMPLEMENTING COMMERCIAL TERM LENDING
Whilst also a short-term alternative to term mortgages, bridging finance is also actively used to complement pre-arranged mortgages for commercial property and land completions.
SPEED OF TRANSACTIONS
Businesses and property developers are attracted to the speed of bridging funding. Whilst mortgages can take several months to be approved, the opportunity to receive funds within 2 to 3 weeks of applying is very appealing.
This process allows for sensible lending decisions and otherwise inaccessible investment opportunities to be progressed.
INDUSTRY COMPETITION
With the bridging industry becoming more popular and lucrative, there are more brokers and lenders than ever before. This has driven a trend over the last 5 years to fund bridging loans through platforms that have lacked the experience of underwriting and exit monitoring, many of which have recently failed, driving restrictive changes in regulation.
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Propifi is founded on the core principles of experienced lending and property development, utilising multiple funding streams that create an agile and longterm solution for our borrowers and investors; this focus continues to be our principle group cornerstone.
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NEED FOR QUICK COMPLETION
The competitiveness of the sector means property developers need fast access to funds to take advantage of deals in an increasingly competitive market, often driven by competing bids.
OUR PARTNERS
