Here’s how they work and why they are such a popular option.

A bridging loan has many of the same features as any other type of commercial loan: It allows borrowers to access capital that can then be put towards working capital or fixed asset investment. 

However, there are some key differences between them: firstly, because they only last for a short period (between 3 months and 1 year), bridging loans aren’t suitable for longer-term projects. 


Secondly, unlike conventional bank loans which require detailed applications and credit checks (as well as proof of income), the UK bridging lenders typically offer their services without conducting extensive due diligence procedures. 

It means that borrowers can secure funds faster than would otherwise be possible with other types of commercial financing options. 


And finally, unlike traditional bank loans, bridging products don’t come with set repayment schedules; instead, repayments are made on demand once a borrower has fulfilled all contractual obligations. This means that payments depend on when borrowers need to make repayments rather than when they have to make them.

Comments

  1. Rockpoint ProbateDecember 15, 2025 at 12:32 AM

    A bridging loan works much like other commercial loans by giving borrowers quick access to capital for working capital needs or fixed asset investments. However, the key difference is its short-term nature—typically lasting between three months and one year—making it unsuitable for long-term projects. In this sense, Rockpoint Probate Funding operates as a practical bridge, helping heirs unlock the value of an estate during probate, meet immediate financial needs, and move forward while waiting for the full probate process to conclude.

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