Bridging Finance Explained: How Jasbec Bridging Helps You Move Faster

Jonathan Schogger
Sep 11
3 min read

In the fast-moving world of property and business, timing is everything. Whether you’re buying at auction, tackling a refurbishment, or managing a chain break, delays in funding can mean missed opportunities. That’s where bridging finance comes in.

At Jasbec Bridging, we specialise in short-term lending solutions that are designed for speed, flexibility, and results. Here’s a clear guide to what bridging finance is, how it can be used, and why more people are turning to it as a smarter alternative to traditional loans.

What Is Bridging Finance?

Put simply, bridging finance is a short-term loan that helps you access funds quickly while you put longer-term financing in place. Unlike a mortgage, which can take weeks or months to arrange, bridging loans are designed to complete in a matter of days.

Typical term: 1–24 months
Security: usually against property or other assets
Purpose: cover the gap between now and your long-term plan

It’s a fast, flexible solution that’s ideal when time is critical.

Different Types of Bridging Loans

Bridging finance isn’t one single product — it can be tailored to suit different circumstances. Common types include:

Regulated bridging loans – secured against a property you live in (or plan to). These are FCA regulated.
Unregulated bridging loans – often used for commercial or investment properties.
First charge loans – the lender takes priority over the property, offering stronger security.
Second charge loans – sit behind an existing mortgage, giving borrowers extra flexibility.

When Bridging Finance Makes Sense

So, when would you use bridging finance instead of waiting for a bank? Some of the most common scenarios include:

Auction purchases – secure a property fast before the 28-day deadline.
Property works – fund light or heavy refurbishments that increase value.
Broken chains – buy your next home even if your buyer pulls out.
Business needs – free up cash for acquisitions, working capital, or urgent bills.

In short, bridging finance is about acting now rather than waiting.

Key Benefits of Bridging Loans

People choose bridging finance for its practical advantages:

Speed – funding in days, not months.
Flexibility – decisions based on the property and your exit plan, not just credit scores.
No early repayment charges – repay sooner without penalties.
Customisable interest – pay monthly, retain, or roll it up until the end.
Wide eligibility – works for homeowners, developers, landlords, and business owners.

Who Uses Bridging Finance?

We work with a wide range of borrowers:

Home movers – securing a new place before their old one sells.
Developers & investors – buying undervalue property or funding refurb projects.
Entrepreneurs – bridging cash flow gaps or fuelling expansion.
Landlords – upgrading rental properties quickly to maximise income.
Non-traditional borrowers – including those with unusual incomes or credit challenges.

Why Choose Jasbec Bridging?

Not every lender understands bridging finance. At Jasbec Bridging, we take a hands-on, common-sense approach. That means:

Decisions made quickly when time matters.
Flexible terms shaped around your circumstances.
Experienced support in structuring the right loan and exit strategy.

Our loan features include:

From £50,000 upwards
Up to 70% loan-to-value (LTV)
Terms between 1–24 months
Residential, commercial, and semi-commercial funding
No exit fees or early repayment penalties
Pre-approved auction funding available

Final Word

Bridging finance is all about speed, flexibility, and opportunity. Whether you’re navigating a property purchase, funding a refurbishment, or solving a short-term cash flow challenge, it gives you the breathing space you need.

At Jasbec Bridging, we’re here to make sure you don’t miss out. If you’d like to explore your options, get in touch with our team today — and let’s bridge the gap together.