Lending Criteria

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

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

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

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

Without exception, every deal we have done with Karen and her team has been efficiently handled and competitively priced. Professional, no-fuss lending at its best

Borrower, Bristol

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

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

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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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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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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