Funding 365

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

We are a principal-led bridging and development lender specialising in unregulated, bespoke 3 to 24 month loans from £100k to £10 million. We provide up to 75% LTV secured against a wide range of properties across England and Wales.

Our bridging interest rates start at just 0.59% per month for residential investment properties and 0.69% per month for commercial and semi-commercial properties. Our light development interest rates start at 0.64% per month and allow for up to 100% cost of works funded in arrears.

We don’t charge any admin or exit fees and we believe that it’s only fair to rebate interest on a daily basis for loans that are repaid early.

Our uniquely uncomplicated set up, whereby one of our decision-making underwriters handles your loan from initial enquiry to completion (we have no case managers, asset managers, admin assistants or suchlike), ensures that you benefit from a transparent, streamlined and swift process.

Product uses

Purchase, refinance, fundraise, auction finance, development exit, light to heavy refurbishments, conversions, extensions, PDR schemes and finish & exit.

Accepted security types

BTL, HMOs, investment residential properties, student accommodation, retail units, warehouses, offices, semi-commercial properties and vacant commercial properties with planning to convert to residential.

Product highlights

• Transparent
• 100% bespoke
• Up to 75% loan-to-value
• Highly competitive interest rates
• No admin fees, exit fees or ERCs
• Interest rebated on a daily basis on loans repaid early

Our full product guides can be found here

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 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
• Bridging & Commercial Awards 2021 Winner: Product of the Year
• Bridging & Commercial Awards 2021 Winner: Relationship Manager of the Year
• Business Moneyfacts Awards 2018, 2019, 2020 Highly Commended: Best Service from a Bridging Finance Provider