Funding 365

If you’re looking for a bridging and development lender with highly competitive interest rates, award-winning service and high ethical standards you should put Funding 365 on speed dial.

Products

Full, transparent product guides for each of our unregulated, first charge bridging and development products can be found on our website.

Residential Bridge

• England & Wales
• Up to 24 months
• £200,000 to £5 million
• From 0.74% per month
• Up to 75% LTV
• Purchasing or refinancing property (including at auction), development exit, short term cash flow

Northern Ireland Residential Bridge

• Northern Ireland
• Up to 18 months
• £100,000 to £2 million
• From 0.84% per month
• Up to 65% LTV
• Purchasing or refinancing property (including at auction), development exit, short term cash flow

Light Refurbishment

• England & Wales
• Up to 24 months
• £200,000 to £5 million
• From 0.74% per month
• Up to 75% LTV
• Light refurb, extension and conversion (up to 2 drawdowns, with cost of works up to 40% of the Day One OMV)

Heavy Refurbishment

• England & Wales
• Up to 24 months
• £200,000 to £5 million
• From 0.89% per month
• Up to 75% LTV / 65% LTGDV
• Heavy refurb, extension and conversion, PDR schemes, finish & exit (cost of works up to 150% of the Day One OMV)

Commercial Bridge

• England & Wales
• Up to 24 months
• £200,000 to £2 million
• From 0.99% per month
• Up to 65% LTV
• Purchasing or refinancing commercial and semi-commercial property (including at auction), working capital

Development

• England & Wales
• Up to 18 months
• £250,000 to £1.5 million
• From 0.93% per month + 1% exit fee
• Up to 75% LTV / 65% LTGDV / 85% LTC
• Ground up development of up to 15 units, finish & exit (pre-wind & water-tight)

Accepted security types

• Investment residential property
• Buy to Let
• HMO
• Student accommodation
• Semi-commercial property
• Retail (occupied)
• Warehouses (occupied)
• Offices (occupied)
• Vacant commercial property with planning to convert to residential

What do I need to get a bridging loan with Funding 365?

Prior to completion we will need:

• Completed Funding 365 application form (this is not required to receive indicative terms)
• KYC checks
• Valuation report and any necessary professional reports
• Schedule of works (if the loan is for development purposes)

How do I apply and how easy is the process?

The application process with Funding 365 couldn’t be simpler.

We encourage everyone to speak directly to one of our mandated underwriters who are able to give swift indicative terms. Upon receiving full case details (including security and borrower information) they aim to produce transparent, credit-backed terms within just one hour.

The same underwriters will then process your loan all the way through to completion (and beyond) so you can be sure of an outstanding, seamless and personal service.

Our standard underwriting requirements can be found here

How long does the application process take and when do I get the money?

No-one can complete faster than us. As our funding is principal-led, we make all of our credit decisions in-house and we can – and often do – complete in a matter of days.

Completion speed is often dependent on third parties such as lawyers and valuers. We have strong relationships with our partners and they share our desire to deliver, so if you have a deadline that you need to work towards please let us know.

 Funding 365 reviews and awards

• 100% 5 star Google reviews
• 100% 5 star Trustpilot reviews
• Business Moneyfacts Awards 2022 Winner: Best Service from a Bridging Finance Provider
• Bridging & Commercial Awards 2021 Winner: Product of the Year
• Bridging & Commercial Awards 2021 Winner: Relationship Manager of the Year