A Georgian townhouse mid-refurbishment with scaffolding and a skip at the kerb

Solutions

Private Bridging

Short-term finance with a clear route to repayment, arranged without a public process.

The solution

Bridging is short-term finance with a defined way out, such as a sale, a refinance or an incoming receipt. At this level it is often used to move before a sale completes, or to secure an opportunity while longer-term arrangements are made.

We introduce lenders who can assess substantial security directly and move to a decision without the case being shopped around the market.

Who it suits

Buyers who need to move before a sale completes
Owners completing a refinance already in progress
Investors settling an obligation ahead of expected proceeds
Advisers whose client needs a short, well-structured bridge

A period room stripped back to plaster with dust sheets and tools mid-refurbishment

The same kind of London drawing room fully renovated and ready to sell

From purchase to finished refurbishment.

Bridging buys the time to acquire a property quickly, refurbish or reposition it, then sell or refinance onto longer-term finance. The plan, and the exit, are what lenders underwrite.

Typical arrangements

How this is used in practice.

Illustrative and anonymised. Each case is structured on its own facts.

Securing an acquisition

A buyer has found a property and must exchange before the sale of an existing one completes. A bridge is arranged against the property already held.

A refinance in progress

A longer-term facility is agreed but not yet available. A short bridge covers the gap, with the refinance as the stated exit.

Settling ahead of proceeds

A client must meet a significant obligation before funds from a sale or distribution arrive. Short-term capital is arranged against other substantial security.

What lenders consider

The strength and clarity of the exit
Value and marketability of the security
Legal title and any existing charges
The borrower’s experience and wider position

Indicative parameters

Facility size: From £1m
Term: Typically months rather than years
Security: A charge over property or other substantial assets
Exit: A sale, a refinance or a defined receipt
Borrower: Companies, SPVs, trusts and investment borrowers

Indicative only. All finance is subject to status, valuation and lender criteria.

This page describes finance for companies, SPVs, trusts and investment borrowers. Orion One does not currently arrange regulated credit for individuals, and nothing here is advice on a regulated credit agreement.