Speed
Decision timing depends on lender review and documentation.
Financing · Bridge
Bridge finance
Short-term capital when a deadline matters more than the price \u2013 for acquisitions, planning phases and refinancing gaps.
Bridge finance buys time. It secures a purchase, funds the period until planning consent or covers the gap until a long-term facility is in place.
Speed is the decisive factor: we work with lenders who can decide within days rather than weeks and who accept collateral that classic banks will not underwrite at that pace.
Crucially, the exit must be credible from day one – sale, refinancing or completion. We structure the bridge so the take-out is already prepared.
Suitable for
- Acquisitions with fixed notary deadlines
- Land purchases before planning consent
- Refinancing gaps at facility maturity
- Portfolio disposals with staggered timing
- Distressed and time-critical situations
Key facts
- Volume
- from € 3m
- Loan-to-value
- Asset- and risk-dependent
- Term
- Based on repayment plan
- Pricing
- higher, term-limited
- Security
- land charge, share pledge
- First indication
- Target: 48 hours with complete key data
Benefits
Why this structure works
Transaction certainty
Financing confirmation strengthens your position with the seller.
Flexible security
Structures that classic banks cannot deliver at this pace.
Term-limited cost
Higher pricing, but only for the period actually needed.
Prepared take-out
We structure the refinancing alongside the bridge.
Discretion
Confidential handling in time-critical situations.
Process
How we proceed
- Step 01
Immediate assessment
We aim to review key figures, security and exit within 48 hours of receiving complete key data.
- Step 02
Lender approach
Targeted approach to bridge providers with fast decision paths.
- Step 03
Indicative offer
Volume, term, pricing, security and take-out conditions.
- Step 04
Documentation
Lean documentation with parallel valuation and legal review.
- Step 05
Drawdown & exit
Support towards scheduled drawdown and preparation of the long-term refinancing.
From practice
What actually decides the deal
The exit matters more than the entry
Every bridge lender asks the same first question: how do I get repaid? Sale, take-out financing or an incoming capital event — the repayment route has to be documented, not asserted. Without it there is no term sheet.
Speed carries a price
Terms sit above bank level for it. Against an acquisition deadline that would otherwise fail, that is still the cheaper arithmetic.
Be generous with the term
We suggest sizing the bridge three months longer than planned. Extending mid-contract routinely costs more than the longer term would have.
Line up security early
Land charges, share pledges, assignments: if the notary sees the paperwork only after signing, the speed advantage evaporates.
Questions
What clients ask us most
The structures described are for general information. Availability, leverage, term, pricing, security and other terms depend on the asset, the borrower, the market environment and the specific financing. None of this constitutes a financing commitment.
Also relevant
Other building blocks
Most structures end up as a combination. These are the pieces we mix most often.
Is this the right structure for your project?
Send us your key figures — we respond with a reliable first assessment.