Flexible, short-term bridging loans that allow your business or project to grow.

Flexible, short-term financing from KD Bridging can help you achieve your project goals. As a specialist lender, our bridge loans are tailored to meet the unique needs of commercial and property developers in England and Wales.

From agriculture to commercial, to development, to buy-to-let, our bridging loans offer common sense lending solutions, combined with our commitment to personal service, transparency, and swift turnaround times, making us the ideal choice for anyone in need of bridging finance.

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  • Agriculture
  • Commercial
  • Buy-to-Let
  • Development
  • Agriculture

    Agriculture Bridging Loans

    At KD Bridging, we offer specialist bridging finance solutions for agriculture clients looking to develop their land or properties. Our Agriculture Bridging Loans are tailored to meet the unique needs of farmers and landowners, providing fast and flexible financing to help you achieve your goals.

    Whether you need funding to purchase additional land, refurbish existing buildings, or invest in new equipment, our Agriculture Bridging Loans can provide you with the financial support you need to get ahead. Contact us today to learn more about our Agriculture Bridging Loans and find out how we can help you achieve success.

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    Commercial

    Commercial Bridging Loans

    We understand that time is of the essence when it comes to commercial property purchases. That's why at KD Bridging we offer bespoke commercial bridging loans to help you secure the funds you need quickly and efficiently. Our commercial bridging loans are ideal for a range of property types, including office buildings, retail spaces, industrial units, and more.

    Our commercial bridging loans are designed to be flexible and tailored to your individual circumstances. We offer loans ranging from £100,000 to £5m, with interest rates from just 1% per month. Whether you need to finance a new property purchase, renovate or refurbish an existing commercial property, or secure a new business venture, our commercial bridging loans offer a quick and reliable solution. Contact us today to discuss your requirements and find out how we can help.

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    Modern open plan office

    Buy-to-Let

    Buy-to-Let Bridging Loans

    At KD Bridging, we know the challenges property investors face when securing finance for their buy-to-let properties. Our Buy-to-Let bridging loans are tailored to meet your needs and help you unlock the potential of your investments. Whether you're looking to refurbish or purchase a new buy-to-let property, we can help with our flexible and affordable financing solutions.

    Our Buy to Let bridging loans are designed to provide you with the necessary capital to complete the purchase or refurbishment of a property quickly, with a loan-to-value ratio of up to 75% of the property value. With our quick turnaround times, we can provide you with the finance you need in as little as seven days to keep your project on track and on time.

    Contact us today to learn more about how we can help you with your buy-to-let financing needs.

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    Development

    Development Bridging Loans

    Our Development bridging loans are tailored to provide the necessary finance to cover the cost of acquiring a new development site, covering the costs of planning permission and building the necessary infrastructure.

    KD Bridging experts work closely with our clients to understand their individual requirements to provide a fast and flexible service that ensures the project is completed on time and within budget. We provide loans ranging from £100,000 to £5m, and we understand the complexities of development projects and the need for bespoke solutions. Contact us today to discuss your Development bridging loan requirements.

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    Our Process

    Quick and Easy Finance from KD Bridging

    1. Get in touch
      You contact us with your enquiry, and we will assess your application on an individual basis. We look for reasons to lend, and if your case is suitable, we quickly proceed to the next steps.

    2. We arrange everything
      We arrange a site visit, instruct any necessary valuations and solicitors documentation, process an offer letter and move the case forward to completion. We do all the admin work for you.

    3. Receive your funds
      The funds are deposited into your bank account ready to drive your business or project forward. A personal manager will look after the loan with you at every step through to the end of the repayment term.

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    KD Bridging's Lending Criteria

    At KD Bridging, we are committed to being transparent and upfront about our criteria. When assessing a loan application, we take into account factors such as the client's credit history, the value and condition of the property, and the exit strategy for the loan. We are open to lending on a range of properties, including residential, commercial, and mixed-use properties.

    We also consider the borrower's experience and track record in the property market, as well as their ability to demonstrate a viable exit strategy for the loan. Our lending criteria are designed to be flexible, so we can take into account the unique circumstances of each client's application.
    If you are interested in applying for bridging finance with KD Bridging, please take a look at our lending criteria page for more information.

    Lending Criteria

    Fast and transparent finance solutions for business and property development in England and Wales

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    No Up-Front Fees

    Borrowers won't be charged any upfront costs such as administration or arrangement costs, making KD Bridging's services more accessible to clients.

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    Swift Turnaround

    With a speedy process, borrowers can often receive the funds they need in as little as seven days - sometimes even less - giving them more flexibility and agility in their property deals.

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    Personal Service

    Borrowers benefit from a one-to-one service from founder Karen Phillips throughout the lending process, ensuring individual attention to each loan application.

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    Privately Funded

    KD Bridging has the freedom to make decisions quickly without restrictions from third parties, giving borrowers greater flexibility and enabling them to take advantage of opportunities as they arise.

    KD Group are approachable and helpful, ensuring my business obtained the best funding option available. They were also efficient dealing with any queries after funding was arranged. I would recommend them.

    Borrower, Wales

    factory buildings

    I have dealt with a number of bridging companies, but Karen does exactly what she says. Funds were made available within 5 working days for my development project. Extremely impressive and will be using KD Bridging for my next project.

    Borrower, Cornwall

    factory buildings

    I have to be fair to all funders, but I recommend your services Karen as you always deliver for the borrower.

    Introducer, Yorkshire

    factory buildings

    I couldn’t recommend Karen & the team at KD Group Ltd strongly enough. They stepped in and handled my re-financing for my project & didn’t bat an eyelid at the complexities linked to my project, that other lenders were put off by. Karen went above & beyond to ensure my re-financing was done in time, & she was exceptionally friendly and professional at all times. I hope this is my first project of many. Thank you.

    Borrower, Devon

    factory buildings

    Big thank you to Karen and her team, I was able to complete an auction purchase using the funding from KD Group while my bank manager put a long term commercial facility in place.

    Borrower, London

    factory buildings

    I have dealt with KD Group Limited for a number of years. I remain impressed with their speed of response to the initial enquiry and meeting with the client. They provide regular updates and ensure the facility is drawn down within a very short timescale.

    Introducer, West Wales

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    Case Studies

    See how our bridging loans have helped similar businesses and property developments across England and Wales thrive.

    Building Plot in London

    1st Legal Charge Interest retained Builders Security: Building plot in London. Funds used to build a 3 storey house.

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    St Georges Road in London with black taxi

    Planning for 6 Houses in Wales

    1st Legal Charge Interest retained Property Developer Security: Land with planning for 6 houses. Funds used to build 6 detached properties.

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    aerial view of Newport

    Property Purchase in Wales

    1st Legal Charge Interest retained Property Developer Security: Smallholding. Funds used to purchase a property while existing property was sold.

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    track in Snowdonia National park

    Barn Conversion in Derbyshire

    1st Legal Charge Farming Contractor Interest retained Farming Contractor Security: Barn and 3 acres. Funds used to purchase a barn conversion at Auction.

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    The salt cellar on Derwent Edge

    Building Plot in Devon

    1st Legal Charge Interest retained Security: Building plot in Devon. Funds used to build a 4 bed detached house.

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    Salcombe town in Devon

    Agricultural land in Devon

    1st Legal Charge Interest retained Property Developer Security: Agricultural land in Devon. Funds used to Purchase property at Auction in Somerset

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    Pony at Wimbleball Lake Exmoor

    Property Refurbishment in Plymouth

    Loan Amount: £90,000 Term: 12 months LTV: 55% Borrower: Individual

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    Property Conversion in North Somerset

    Loan Amount: £250,000 Term: 6 months LTV: 45% Borrower: Limited Company

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    Weston's Grand Pier from the beach

    Buy to Let Properties in London

    Loan Amount: £470,000 Term: 12 months LTV: 51%

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    St Paul's Cathedral with red double decker bus driving by

    Land Purchase in Gloucester

    Loan Amount: £473,100 Term: 12 months LTV: 63% Borrower: Indvidual

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    View of fields on a sunny evening

    Bristol Development Site

    Loan Amount: £900,000 (drawn down in stages) Term: 12 months LTV: 65% Borrower: Individual

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    Bridge at nights with lights on

    Common sense lending solutions with a personal touch, providing transparent and flexible bridging finance options to suit individual circumstances.

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    View from the ground looking up at modern city skyscrapers