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

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

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

As a small property developer funding my projects has been difficult in the past. Karen has been a joy to work with, her sensible, commercial and personal approach all through the loan term is second to none. I have been able to focus on the build without worrying whether the finance is in place for each drawdown. I am now looking for my next new build which I will fund through Karen.

Borrower, Wales

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

KD Group provided funds to enable me to purchase a property being sold at auction. They agreed the loan before the auction which then gave me the ability to bid and agree the purchase on the night!

Borrower, Bristol

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.

Learn more

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.

Learn more

Property Purchase in Wales

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

Learn more

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.

Learn more