Bridging finance for companies: short-term commercial funding

Fast, short-term commercial bridging finance from Credit Corp, an exempt business lender operating outside FCA consumer-credit regulation. We fund UK limited companies and LLPs directly — so you can close a time-sensitive deal now and refinance or exit in an orderly way, without a personal-credit application.

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What is bridging finance for a company?

Bridging finance is short-term commercial funding designed to cover the gap between a cost your company needs to meet now and the funds you expect to receive later. Rather than waiting weeks for a longer-term facility to complete, your business borrows for a defined, short period — typically a few weeks to twelve months — and repays once the planned "exit" arrives: a sale, a refinance, a scheduled receivable, or a completed transaction.

Because Credit Corp lends exclusively to UK limited companies and LLPs under Articles 60B and 60L of the FSMA (Regulated Activities) Order 2001, this is commercial lending that sits outside the FCA's consumer-credit regime. That exemption is what lets us assess your company directly and move at the speed a bridge demands — but it also means you do not receive the statutory protections a consumer-credit borrower would, so it is important to weigh the cost and the exit before you commit.

When a bridge makes sense

Reach for a bridge when the need is short, the amount is defined and you already know what will repay it.

Secure a time-sensitive purchase – commit to commercial property, plant, or a business acquisition before a slower facility completes.
Bridge to a refinance – cover the gap while a term loan, mortgage, or invoice facility is arranged and drawn.
Release cash against a known receivable – fund operations ahead of a contracted payment or completed sale.
Unblock a chain – keep a transaction moving when timing, not viability, is the only obstacle.

The exit is the whole point

Every bridge is underwritten around how it will be repaid. Before we lend, we want to see a realistic, dated exit — the sale, the refinance offer, or the receivable that clears the balance. A well-defined exit keeps the facility short and the cost contained. Where the route to repayment still looks uncertain, we would rather pause and talk it through with you before anything is drawn.

How Credit Corp bridging works

We assess your company directly and structure the facility around your need and your exit — not a personal-credit profile.

Company-only lending – exclusively to UK-registered limited companies and LLPs, assessed on business financials and filings.
Short, defined term – bridges typically run from a few weeks up to twelve months, matched to your exit date.
Fast decisions – Companies House and financial-data checks cut manual paperwork, so many applications receive an initial indication the same business day.
Clear, upfront terms – facility size, term, and cost are shown in your Credit Corp Hub before you proceed, with no impact on your credit file.

What we look for

UK-registered limited company or LLP, actively trading
A credible, dated exit that clears the facility
No unresolved CCJs; director disqualifications may affect eligibility
Turnover and facility size that fit our commercial criteria

The cost of a bridge — and how to keep it down

Short-term funding is priced for speed and certainty, so a bridge generally costs more per month than a long-term facility. The way to keep the total cost low is to keep the term short: because interest accrues over the period you hold the money, exiting on time — or early — is the single biggest lever on what you pay. We show the full cost and the assumptions behind it before you commit, so you can compare it against the value of moving now versus waiting.

Loan amounts and rates depend on your company's profile, the security available and the strength of the exit, and you will see indicative terms in the Hub before you proceed. Because a bridge is built around a defined, short-term gap, we will tell you when a working-capital or term facility would serve an ongoing need better.

Bridging versus longer-term facilities

A bridge is deliberately temporary. If your need is recurring — smoothing seasonal cash flow, funding stock cycles, or financing steady growth — a longer-term arrangement will almost always be cheaper and less pressured than rolling a bridge. Use a bridge to buy time for a specific event; use a term or working-capital facility to run the business day to day. Where a bridge is the right first step, we can help you line up the longer-term facility that becomes its exit.

Frequently asked questions

Is company bridging finance the same as consumer credit?

No. Credit Corp provides exempt business lending solely to UK limited companies and LLPs under Articles 60B and 60L of the FSMA (Regulated Activities) Order 2001. It sits outside FCA consumer-credit regulation, which allows a faster, business-focused process — but it does not carry the statutory protections a consumer-credit borrower would receive.

How short is a bridge, and when do I repay?

Bridges typically run from a few weeks up to twelve months. You repay when your planned exit arrives — a sale, a refinance, or a scheduled receivable. Because cost accrues over the term, repaying on time or early keeps the total cost down.

Do you require a personal guarantee?

Personal guarantees are not required for standard facilities and are assessed case by case for larger amounts or where the company financials alone do not support the structure. If any guarantee or security is needed, you will be told before you commit.

What happens if my exit is delayed?

Because a bridge is short and priced monthly, a delayed exit increases the cost and can create pressure at the end of the term. That is why we underwrite the exit up front and prefer a credible, dated route to repayment. If circumstances change, contact us early so we can discuss options rather than letting a deadline pass.

Credit Corp Group Limited (Company No. 17338274) holds ICO registration ZC189608 and is a related company of CM Beyer Limited within the Credit Corp group. Financial year end 30 November. An exempt business lender under FSMA RAO 2001. Bridging finance is short-term commercial lending for UK limited companies and LLPs. We assess your company's exit and affordability before offering any facility.