Fast bridging loans · England & Wales
Fast bridging loans, decided the same day
When speed decides the deal, you need a lender who answers today and completes in days – not one who leaves you waiting on a broker chain. A decision in principle within 24 hours, from £75k to £10m, direct from the people who make the call.
The basics
What is a fast bridging loan?
A fast bridging loan is the same short-term, property-secured loan as any other bridging loan – delivered at pace. Because it is secured by a legal charge over real estate rather than underwritten on years of income history, bridging finance can move in days, while a term mortgage takes weeks or months. That speed is the whole point: property professionals reach for a bridging loan precisely when a deadline, not the interest rate, decides whether the deal happens.
“Fast” is not a different product with looser rules – it is the ordinary process, stripped of the delays that usually creep in. At Proxima Capital we lend from £75k to £10m across England and Wales, up to 75% LTV, and we design every case to complete as quickly as the valuation and the legal work allow. The rest of this page explains how we get there – and where the genuine limits lie.
Timeline
How quickly can you get a bridging loan?
We aim to give you a commercial answer on the day you call and a formal decision in principle within 24 hours. From there, a well-prepared case can move to completion in a week or two, and the simplest, lowest-risk deals faster still. The timeline is driven by three things: how quickly we can agree the terms, how quickly the property can be valued, and how quickly the legal work can be completed.
The terms are the part we control directly, and is the part most lenders are slowest on. Because you deal with the people who actually make the lending decision, there is no extra layer to relay questions through and no committee to wait on. If a case works, you hear yes quickly; if it doesn’t, you hear that quickly too, so you know where you stand as your deadline approaches.
How we go fast
How we compress the timeline
Speed comes from removing friction, not from cutting corners. Four levers do most of the work and we set them up at the start of every fast bridging case, not when the clock is already against you.
Behind those four levers sits the thing that makes them work: direct access to the decision maker. When a question comes up mid-transaction – a title quirk, a valuation query, a change of exit – it gets answered in minutes by someone with the authority to say yes, rather than escalated through a broker to a lender you never speak to. That is usually the difference between a fast bridging loan that completes on time and one that stalls.
The limitations
What keeps the pace
We would rather be straight with you than promise a number we can’t hit. Even with everything set up well, two things genuinely gate the timeline: the valuation and the legal work. Where a desktop valuation or AVM (automated valuation model) isn’t appropriate – an unusual asset, a heavier refurbishment, or a higher loan to value – a physical RICS inspection has to be booked, carried out and reported, and a surveyor’s diary can add days to the timeline. Complex title, missing documents, an uncooperative first charge holder on a second charge, or slow-moving solicitors on the other side can all stretch things out too.
The single biggest thing you can do to keep a bridging loan fast is to have your side ready: proof of identity, details of the security, evidence of your deposit or equity, and a clear, credible exit. The more of that being in place when you call, the fewer questions there will be that could slow the case down.
Speed with Proxima
A lender that can actually complete
Proxima was founded by highly experienced operators who have overseen in excess of £500m of property lending, so you deal directly with the decision-makers and get a prompt decision in principle within 24 hours. Best-in-class solicitors and market-leading title indemnity keep completion moving fast, with certainty at every stage.
When it matters
When speed wins the deal
Fast bridging finance earns its keep in the moments where a normal mortgage simply can’t move quickly enough. The most common cases we fund at pace:
- → Auction purchases that must complete inside 28 days
- → Breaking a property chain when a sale slips at the last minute
- → Rescuing a purchase where a mortgage offer has fallen through
- → Securing a below-market opportunity before a rival moves
- → Raising capital against equity to hit a tight deadline
- → Bridging to a development or refinance already in train
What these share is a ticking clock and a clear exit. Where both are present, a fast bridging loan does a job nothing else can – and the cost of the finance is usually put in the shade next to the cost of losing the deal.
Choosing
Picking a fast bridging lender
Plenty of lenders and brokers advertise speed. The one that matters is the one that actually follows through to complete on the terms quoted, in the time you have available. When you compare fast bridging options, look past the headline turnaround: ask who makes the decision, whether the valuation can be a desktop or AVM, whether title indemnity insurance is on the table, and whether you are dealing directly with the lender or through a broker chain that adds a step to every question.
At Proxima Capital the person who issues your decision in principle is the person who structures the loan and sees it through to completion. No layers, no drift between quote and drawdown. Compare our bridging loan rates and how we sit against other bridging loan lenders and brokers before you commit – then call us and put us to the test against the clock.
Explore
Fast bridging, by case
Residential bridging
Chain breaks and quick purchases against residential security.
FAQs
Fast bridging questions, answered
How quickly can I get a bridging loan?
We issue a decision in principle within 24 hours and structure cases to complete in days where the valuation and legals allow. A well-prepared, lower-risk case can move to completion in a week or two; the pace is set mainly by how quickly the property can be valued and the legal work signed off.
What is the shortest bridging loan I can get?
Bridging is short-term by design and terms can run from a month up to 24 months. Many lenders set a minimum term or charge a minimum number of three months’ interest even if you redeem early, so a very short bridge can carry a minimum cost. We will tell you the minimum that applies to your case up front so there are no surprises when you exit early.
Can I get a bridging loan for just a few days?
In practice, a loan you only need for a handful of days is unusual, because most lenders apply a minimum interest period and the set-up costs – valuation, legals and the arrangement fee – apply however briefly you borrow. If your exit really is days away, a bridge can still make sense, but it is worth checking that the minimum cost is justified against the deadline you are protecting. We are happy to talk that through honestly.
What can slow a fast bridging loan down?
The usual culprits are the valuation and the legal work. A full physical RICS inspection depends on surveyor availability, and complex title, missing paperwork, unresponsive solicitors on the other side can all add days. Having your proof of identity, security details, deposit evidence and exit ready when you apply removes most of the friction we can’t control directly.
Can I get a fast bridging loan with bad credit?
Yes but not always. As a bridging loan is secured against property and repaid from an exit, we weigh the asset and the plan more heavily than your credit score, so speed need not suffer. Adverse credit can affect the interest rate and the loan to value on offer, but it rarely rules a case out on its own – we assess each one on its merits rather than against a tick-box credit policy.
Have a deal in mind?
Tell us about it and you’ll get a commercial view the same day direct from the decision makers.
