When time-sensitive financial demands arise—whether personal, business-related, or linked to an upcoming property transaction—a bridging loan can provide essential short-term liquidity. At Edinburgh Asset Finance (EAF), we offer two distinct forms of bridging finance, each designed for clients who expect efficiency, discretion and premium service:

  1. Personal Bridging Finance
    Delivered through our luxury pawnbroking model, enabling individuals to unlock immediate capital from high-value assets.
  2. Company Bridging Loans Secured on Property
    A business-only facility that allows limited companies to raise capital against suitable property (non-residential and unencumbered), available only in Scotland.

Unlike mainstream lenders, we specialise in speed, direct decision-making, and a service tailored for high-net-worth individuals, investors, entrepreneurs and directors requiring decisive short-term support.

Why Choose EAF for Bridging Loans?

At EAF, bridging loans are handled with the same commitment to confidentiality, efficiency and accuracy that defines all of our services. Clients choose us because we offer:

  • Immediate, personal decision-making

No committees. No multi-layered underwriting. Your application is assessed directly by our senior team for faster outcomes.

  • Fast access to funds

Whether raising liquidity against assets (personal) or property (company), we focus on rapid valuations and streamlined documentation so you receive funds promptly.

  • Short-term, flexible terms

Bridging finance is designed to fill a gap—whether you’re waiting for a sale, refinancing, or completing a time-sensitive transaction. Our terms and structures reflect that.

  • Discreet, professional and secure

We operate a fully confidential service, tailored for clients who value anonymity and efficiency, not the intrusive checks associated with traditional lenders.

Part One: Personal Bridging Finance via Luxury Pawnbroking

Many clients require short-term liquidity for reasons that are personal, business-related or investment-driven. While banks can take weeks—or months—to approve credit, our asset-backed personal bridging loans provide a far simpler solution.

This facility is delivered through our luxury pawnbroking service, using high-value private assets as security. It is ideal for individuals needing immediate access to capital without affecting their credit profile, income assessments or existing borrowing.

What Personal Bridging Loans Can Be Used For

Clients use this form of personal bridging finance for:

  • Short-term cashflow gaps
  • Investment opportunities requiring immediate capital
  • Business funding when directors wish to inject capital quickly
  • Covering expenses while waiting for longer-term finance to complete
  • Temporary liquidity during asset sales or slow bank processing
  • Unexpected personal costs requiring rapid payment

Because there are no credit checks, no affordability reviews and no intrusive documentation, this form of bridging is one of the fastest and most private funding routes available.

What Assets Can Be Used for Personal Bridging Loans

We accept a wide range of high-value items, including:

  • Luxury watches
  • High-value jewellery
  • Diamonds and precious stones
  • Fine art
  • Antiques and collectables
  • Luxury vehicles
  • Whisky collections
  • Designer handbags
  • Gold and bullion
  • Private number plates

If you own premium assets, you can unlock liquidity instantly while retaining full ownership and receiving your assets back once the loan is repaid.

How Personal Bridging Finance Works

Our personal bridging loans follow the same streamlined structure as our premium pawnbroking service:

1. Remote Expert Valuation

Send us details of your asset. Our specialists provide an accurate valuation without delay.

2. Immediate Loan Offer

Once valuation is agreed, the loan amount is confirmed instantly. We typically lend 60–70% of market value, depending on the asset.

3. Private Appointment & Completion

We meet privately—at our Edinburgh office or at a secure location convenient for you. The asset is collected and funds are transferred immediately.

4. Short-Term Bridging Period

Your loan runs over a 7-month term, giving you the short-term liquidity you need while maintaining full ownership of your asset.

5. Redeem at Any Time

Repay and collect your asset whenever you wish; no early repayment penalties apply.

Part Two: Property Bridging Loans for Limited Companies (Scotland Only)

In addition to personal bridging finance, EAF provides specialist property bridging loans. These facilities are strictly for limited companies and follow robust operational guidelines for responsible property-backed lending.

This service is ideal for:

  • Property investors
  • Trading businesses
  • Developers
  • Directors requiring a fast business loan secured on property
  • Companies purchasing opportunistic assets
  • Firms awaiting longer-term refinancing

What Type of Property Do We Lend Against?

To safeguard speed, security and clarity, we only lend against property that meets all of the following criteria:

  • Not a main domestic residence

We do not lend against any owner-occupied residential property.

  • Company or privately owned (loan to the company)

We lend only to limited companies.
However, we can take security over a personally owned property to facilitate the loan to the company.

  • No existing mortgages or charges

The property must be unencumbered, with no outstanding loans or secured borrowing.
We can refinance, but only where we will hold the first and only charge.

  • Suitable commercial, investment or non-residential property

Such as:

  • Commercial units
  • Industrial buildings
  • Warehouses
  • Offices
  • Land
  • Investment property not used as the director’s home

This focus ensures faster underwriting, cleaner legal structuring and a quicker release of funds.

How Our Property Bridging Loans Work

1. Initial Discussion

We review the property details, company structure and funding requirements.

2. Valuation and Due Diligence

We instruct or review a valuation to confirm property condition and market value.

3. Formal Offer Issued

Once value is established, we issue a formal bridging loan offer with clear terms.

4. Legal Work & Completion

Due to our close relationship with our solicitor, legal work is typically faster than standard bridging arrangements.

5. Funds Released

Once legal checks are complete, funds are transferred to the business.

When is a Bridging Loan the Right Choice?

A bridging loan is typically used when speed is essential and traditional finance is too slow or rigid. Suitable scenarios include:

  • Buying property at auction
  • Securing an investment opportunity before another party does
  • Funding refurbishments prior to sale or refinance
  • Short-term working capital
  • Delays in long-term mortgage or development finance
  • Completing a property transaction where timing is critical

If timing matters, bridging finance is often the most reliable option.

Unlock Fast, Discreet & Flexible Bridging Finance with Edinburgh Asset Finance

Whether you are an individual needing urgent personal bridging finance, or a business seeking rapid property-backed funding, EAF provides a premium, discreet and highly efficient solution.

FAQs – Bridging Loans

How long does approval for a bridging loan typically take?

For personal bridging finance, approval is almost immediate and funds can often be released the same day. For business property bridging, the timeline depends on valuation and legal work, but is typically far faster than mainstream lenders. We have previously completed in less than a week.

Can I use a bridging loan for both residential and commercial property?

EAF can only lend against non-main domestic residence property and only to limited companies. We do not lend against a director’s home.

What security is required for a bridging loan?

Personal bridging loans require high-value assets which we physically hold as security. Property bridging loans require an unencumbered, non-main domestic residence property.

How is interest charged on a bridging loan?

Interest is charged monthly and clearly outlined in your agreement. There are no hidden fees, early repayment penalties or unexpected charges.

What is the maximum term for this type of finance?

Terms vary depending on the facility, but bridging loans are short-term solutions. We outline all available options during the initial consultation.

Contact Edinburgh Asset Finance today to arrange your private appointment.