Welcome to Alpha Capital
A bridging loan is very convenient if you need to borrow money for a short period. They’re ideal for purchasing a property while you’re waiting to sell another and can help to bridge the gap without breaking the chain.
Bridging loans can also be used if you buy a property at auction, where you’ll need the money immediately but may not have sold your current property yet. Traditionally, bridging loans are often used by landlords and property developers.
Popularity has increased with private homeowners in recent years as they’re such as quick and simple transaction.
At Alpha Capital, we specialize in bridging loans tailored to meet the diverse needs of property investors and developers.
As seasoned bridging loan brokers, we understand the urgency and complexity of securing short-term financing solutions. Whether you’re purchasing a property at auction, funding a renovation project, or bridging the gap between transactions, AlphaCapital is here to facilitate a seamless borrowing experience.
100% LTV available with additional security:
AlphaCapital offers the flexibility of accessing bridging loans up to 100% Loan-to-Value (LTV) when additional security is provided. This means that borrowers can secure financing equivalent to the full value of the property or asset being used as collateral, subject to meeting additional security requirements. This option is particularly advantageous for borrowers looking to minimize their upfront capital outlay while leveraging the potential of their existing assets to secure the necessary funds for their projects or investments.
Rates available from 0.45% per month:
Enjoy competitive interest rates starting from as low as 0.45% per month with AlphaCapital’s bridging loan offerings. These rates are designed to be competitive within the market, allowing borrowers to manage their borrowing costs effectively over the short-term financing period typically associated with bridging loans. Whether you’re bridging a property purchase, financing renovations, or consolidating debts, our attractive interest rates provide a cost-effective solution to meet your financial needs.
Arrangement fees between 1.5% to 2% charged on acceptance of terms:
AlphaCapital applies transparent and competitive arrangement fees ranging between 1.5% to 2% of the loan amount upon acceptance of terms. These fees cover the administrative costs associated with arranging and processing your bridging loan, ensuring a smooth and efficient borrowing experience. Our straightforward fee structure allows borrowers to budget effectively and understand the financial commitment involved in securing short-term financing for their projects.
Terms range from 1 to 24 months:
Benefit from flexible repayment terms ranging from 1 to 24 months with AlphaCapital’s bridging loans. This flexibility allows borrowers to tailor the loan duration according to their specific project timelines and cash flow requirements. Whether you need short-term financing for a quick property purchase or a longer bridge period for complex development projects, our adjustable loan terms provide the versatility needed to support a wide range of business and investment strategies.
1st and 2nd legal charge over property residential & commercial properties. Can be used for business borrowing:
AlphaCapital offers the security of both 1st and 2nd legal charges over residential and commercial properties, providing robust protection for lenders and borrowers alike. This dual charge capability ensures that your assets are safeguarded during the loan term, whether you’re using the funds for personal or business purposes. Additionally, our bridging loans can be utilized for various business borrowing needs, including but not limited to property development, cash flow management, and seizing time-sensitive investment opportunities.
Bridge Loan Broker
Short-Term Financing: Bridging loans provide a temporary source of funding, allowing you to access capital quickly for a limited period. They are an ideal solution when timing is critical, such as when purchasing a new property before selling an existing one.
Chain Break Solutions: If you’re in a property chain and need to complete a purchase before selling your current property, a bridging loan can help bridge the financial gap. It ensures a smooth transition between properties without disrupting the chain.
Auction Purchases: Bridging loans are also commonly used when purchasing properties at auctions. In auction scenarios, immediate funding is required to secure the property, even if your current property has not been sold yet. A bridging loan can provide the necessary funds to complete the purchase.
Suitable for Property Developers: Property developers often rely on bridging loans to finance projects efficiently. They can cover costs like purchasing land or property, covering renovation expenses, or bridging the financing gap until long-term funding is secured.
100% Loan to Value (LTV) with Additional Security: Depending on the circumstances and available collateral, bridging loans may offer a Loan to Value ratio of 100%, meaning the loan can cover the full purchase price. Additional security, such as other assets or properties, may be required to achieve this higher LTV.
Competitive Interest Rates: Interest rates for bridging loans can vary depending on the lender and individual circumstances. Rates typically start from 0.45% per month, making them an accessible financing option for short-term needs.
Arrangement Fees: Upon acceptance of the loan terms, an arrangement fee is charged. The fee generally falls within the range of 1.5% to 2% of the loan amount. It covers administrative and processing costs associated with setting up the bridging loan.
Flexible Loan Terms: Bridging loans offer a range of term options, typically ranging from 1 to 24 months. This flexibility allows you to tailor the loan duration to your specific requirements, ensuring that the funds are available for the necessary period.
Legal Charges: Bridging loans require legal charges over the property used as collateral. These charges ensure that the lender has a legal claim on the property in case of default. Both residential and commercial properties can be considered as security for bridging loans.
Business Borrowing: Bridging loans can be utilized for business purposes, providing a flexible financing solution for various commercial needs. Whether it’s covering working capital requirements, funding business expansions, or financing time-sensitive projects, bridging loans can offer the necessary capital quickly.
Bridiging Loan London
What is a bridging loan?
Bridging loans are short-term secured loans used to “bridge” the gap between a purchase and a sale. They’re a flexible solution to a wide range of financing applications. As experienced bridging loan brokers, Alpha Capital specializes in negotiating these loans individually to ensure they are perfectly tailored to your specific requirements. We excel in brokering bridging loans quickly and efficiently, minimizing hassle and maximizing convenience for our clients.
As bridging loan brokers, we understand the urgency often associated with bridging finance. Our expertise lies in navigating the complexities of securing short-term financing, whether you’re purchasing a property at auction, funding renovations, or consolidating debts. We leverage our extensive network and industry knowledge to negotiate competitive terms and swift approvals, empowering you to seize opportunities without delay.
Choosing Alpha Capital means partnering with a dedicated team of bridging loan brokers committed to delivering personalized service and optimal outcomes. We prioritize transparency and clarity throughout the loan process, ensuring that you have a thorough understanding of the terms and conditions. Whether you’re a seasoned property investor or exploring bridging finance for the first time, our tailored approach and comprehensive guidance will support you every step of the way.
With Alpha Capital as your bridging loan brokers, you can rest assured that your financing needs are in expert hands. Contact us today to discuss how we can tailor a bridging loan solution that aligns perfectly with your financial objectives and timeline. Let us simplify your borrowing experience and help you achieve your property investment goals efficiently and effectively.
Is a bridging loan right for you?
Wondering if you need advice from a bridging loan company? Our expertise and support are applicable to a variety of situations where bridging finance can provide timely solutions. A bridging loan may be particularly appropriate if:
You’re buying land for development: When acquiring land for development projects, bridging finance can cover the purchase costs quickly, enabling you to capitalize on investment opportunities swiftly.
You’re purchasing at an auction where deadlines are tight: Bridging loans are ideal for auction purchases where speed is crucial. They provide the immediate funds needed to secure the property within auction deadlines.
You need short-term funding: Whether for business cash flow management, unexpected expenses, or seizing investment opportunities, bridging loans offer flexible short-term financing solutions tailored to your specific needs.
You need a lease extension: Bridging finance can facilitate lease extensions by providing the necessary funds to negotiate and secure lease renewals, ensuring continuity for your residential or commercial properties.
You want to move or downsize while trying to sell a property: Bridging loans can bridge the financial gap between selling your current property and purchasing a new one, allowing you to proceed with confidence.
A buyer has dropped out of a deal: In cases where a buyer unexpectedly withdraws, a bridging loan can provide the necessary funds to continue with your property sale or purchase without disruption.
You’re looking to convert, refurbish or develop a property: Bridging loans offer short-term financing for property renovations, conversions, or developments, facilitating the improvement or expansion of your real estate portfolio.
London Bridging Loan
Determining whether a bridging loan is the right solution for your specific needs can be a crucial decision.
Here are some situations where a bridging loan may be appropriate:
Moving or Downsizing: If you’re looking to move or downsize to a new property while simultaneously trying to sell your existing one, a bridging loan can provide the necessary funds to facilitate the transition smoothly.
Deal Fallout: In the event that a buyer unexpectedly drops out of a property deal, a bridging loan can help cover the gap in financing, allowing you to proceed with the transaction or explore alternative options.
Property Conversion, Refurbishment, or Development: If you’re embarking on a project to convert, refurbish, or develop a property, a bridging loan can offer short-term financing to cover construction costs, purchase materials, or address other project-related expenses.
Land Acquisition: If you’re purchasing land with the intention of developing it, a bridging loan can provide the necessary capital to acquire the property quickly, especially when deadlines are tight.
Lease Extension: If you’re seeking a lease extension on a property, a bridging loan can provide the necessary funds to facilitate the process while allowing you to negotiate favorable terms.
Auction Purchases: When participating in property auctions, time constraints often require immediate funding. A bridging loan can ensure that you have the necessary finances to secure the property swiftly, even if you have not yet sold your current property.
Short-Term Funding: If you require short-term financing for any purpose, whether it’s to address temporary cash flow issues, take advantage of a time-sensitive opportunity, or meet urgent financial requirements, a bridging loan can offer a viable solution.
At Alpha Capital, we offer bridging loans throughout the UK, including London. Our expert team is ready to provide guidance and support based on your specific circumstances.
If you’re interested in exploring the possibilities of a bridging loan, please don’t hesitate to get in touch with us. We are committed to helping you find the right financing solution for your needs.
Why choose Alpha Capital?
There are several compelling reasons to choose Alpha Capital as your preferred bridging loan provider. Here’s why we stand out from the competition:
Expertise and Experience: Alpha Capital boasts a team of seasoned professionals with extensive experience in the finance industry. Our experts possess in-depth knowledge of bridging loans and understand the complexities involved in various financing scenarios. With our expertise, we can provide tailored solutions that align with your specific requirements.
Tailored Loan Solutions: We believe in the power of customization. At Alpha Capital, we take the time to understand your unique situation, financial goals, and borrowing needs. We then craft personalized loan solutions that address your specific requirements, ensuring that you receive the most suitable financing option available.
Comprehensive Lender Network: As a reputable lending institution, Alpha Capital has established strong relationships with a diverse panel of lenders. This extensive network allows us to access a wide range of loan options, ensuring that we can find the best terms, rates, and conditions that fit your circumstances. We do the legwork for you, saving you time and effort.
Competitive Rates and Terms: We understand the importance of affordability. At Alpha Capital, we strive to provide competitive interest rates and favorable loan terms to our clients. Our team negotiates with lenders on your behalf to secure the most favorable rates and terms available, ensuring that you receive a loan that suits your budget and financial objectives.
Transparent and Honest Approach: Transparency and honesty are fundamental values at Alpha Capital. We believe in fostering trust with our clients by providing clear, transparent information about our loan products, interest rates, fees, and any associated costs. We ensure that you have a complete understanding of the terms and conditions of your loan before making any commitments.
Streamlined Application Process: We value your time and aim to make the loan application process as efficient and straightforward as possible. Our user-friendly online application platform allows you to conveniently submit your loan request, eliminating unnecessary paperwork and saving you valuable time. Our dedicated team works diligently to process your application promptly, providing a quick turnaround time.
Excellent Customer Service: At Alpha Capital, we prioritize exceptional customer service. Our dedicated support team is readily available to answer your questions, provide guidance, and address any concerns you may have throughout the loan process. We strive to ensure that you feel supported and informed at every stage, creating a positive and stress-free experience.
Commitment to Confidentiality: We understand the importance of confidentiality when it comes to financial matters. Rest assured that your personal and financial information is treated with the utmost care and confidentiality. We have robust security measures in place to protect your data and ensure your privacy.
Long-Term Relationships: At Alpha Capital, we value long-term relationships with our clients. We are committed to being your trusted financial partner, not just for your current bridging loan needs, but also for any future financing requirements you may have. We are dedicated to supporting your ongoing success and growth.
Choosing Alpha Capital means choosing a reliable, experienced, and customer-centric bridging loan provider. We go above and beyond to deliver tailored solutions, competitive rates, transparent processes, and exceptional customer service. Trust us to be your partner in achieving your financial goals and making your borrowing experience seamless and successful.
Alphacapital your best commercial advisor
At AlphaCapital, exceptional customer care is at the heart of everything we do. We understand the significance of your business and the assurance you seek when navigating financial decisions. Our dedicated team is committed to providing personalized guidance and support throughout your loan journey. Whether you’re exploring financing options for property investments, seeking to expand your portfolio, or requiring urgent bridging finance, we prioritize your needs and goals. We ensure clear communication, transparency in processes, and proactive assistance at every step, empowering you to make informed decisions with confidence. Partner with AlphaCapital for a seamless and supportive experience, where your success is our priority.
Alpha Capital, Your Trusted Business Partner
Alpha Capital is a Commercial Finance Broker and not a Lender.
Alpha Capital is trading style of Alpha Capital & Debt Advisory Services Ltd, Company Number: 12557280.
Alpha Capital and Debt Advisory Services Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA number is 988370 and this can be checked by visiting www.fca.org.uk/register. Our registered address is Unit 3, 1st Floor, 6-7 St. Mary At Hill, London, EC3R 8EE. Company number 12557280.
We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.’