A flexible and pragmatic approach

As specialist UK bridging loan lenders, at KD Bridging, we understand that every deal is unique and requires a flexible and pragmatic approach. That’s why our bridging loan criteria is designed to cater to the individual needs of our clients. We provide loans ranging from £100,000 to £5m, with the possibility of considering higher amounts upon referral.

We are committed to building satisfied clients and long-standing relationships by looking for reasons to lend and providing quick, no-nonsense bridging solutions.

terms

Terms of our loans

  • Amount: £100,000 to £5m (higher amounts can be considered upon referral)
  • Loan To Value (LTV): up to 75%
  • Term: 1 month to 2 years
  • Rate: 1% per month
  • Interest: Retained or serviced
  • Security: 1st Legal Charge
  • Applicants: We accept applications from individuals, partnerships, sole traders, and limited companies (subject to a Director’s Personal Guarantee)

types of property

What our loans can be used for

  • Residential development properties
  • Development land
  • Pubs, restaurants and hotels
  • Buy-to-let
  • Industrial units
  • Offices
  • Commercial properties
  • Agricultural land
  • Farms

asset-based lending

Our loans are unique to the borrower

  • Our lending is based on asset value and the borrower’s planned repayment vehicle
  • No credit scoring
  • Pragmatic and entrepreneurial approach
  • Each loan is assessed on a case-by-case basis
  • We look for reasons to lend, not to reject
  • Non-status finance
  • Quick, common sense approach to bridge loans

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

Thank you for your redemption statement, please find cheque enclosed. It has been a pleasure doing business with you. If needed, hopefully we will do business again.

Letter from Borrower, Wales

factory buildings

We have found KD Group Limited to be extremely prompt when my company required funds urgently. Following an initial enquiry, they visited me on a bank holiday and within a few days had arranged for the loan to be available. The whole process from enquiry to draw down was completed within 10 days.

Since then, we have dealt with them on a number of occasions. I would not hesitate to recommend KD Group if you need swift professional service and funding without all the fuss. When they say ‘yes’ to you they mean it!

Borrower, Wales

factory buildings

Karen gave me a lot of help at a time when I was definitely down on my luck. She believed in my business plan and was a great help in getting refinancing for my farming business. She sticks to her word and I would definitely go to her again for help with other financing requirements.

Borrower, Somerset

factory buildings

I am now on my 4th renovation project using funds from KD Group. Each time, Karen is efficient, friendly and speed is always of the essence. The stage drawdown payments are sent as soon as funds are requested. I wouldn’t use anyone else for my funding.

Borrower, Devon

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

factory buildings

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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Boats at sea with seafront in the background

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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