We are specialists in providing bridging finance to borrowers otherwise underserved by the market.

  • First and second charge bridging loans
  • Up to 65% loan to value
  • Smaller loans from £25,000 up to £300,000
  • Lower value properties, from just £75,000
  • Lending to individuals and limited companies
  • First time landlords
  • Non-standard construction properties
  • Impaired credit
  • Properties in England, Wales, & Scotland

Lending solutions at speed.

Our lending criteria offers borrowers a great deal of flexibility, decisions made by humans not systems.

Why choose Mercantile Trust?

Known for our common sense and flexible approach to lending, we are often able to provide solutions where other lenders fall short. If you have customer’s that are looking to purchase an unusual property, their circumstances require personal consideration, or perhaps they have had credit history issues, we could be the lender for them.

Unlike other lenders, every application is considered on its individual merit. No two cases are ever the same and our personal approach to lending allows us to offer bespoke solutions. If your customer’s need to transact at speed, the express bridging loan could be the ideal solution for them.


What is an express bridging loan?

An express bridging loan is a short-term alternative lending solution for those who are looking to raise capital at speed.

How much could my clients borrow with an express bridging loan?

Customers can borrow between £25,000 and £300,000.

What are the benefits of a micro bridging loan?

  • Access to short term finance quickly
  • Smaller loan sizes
  • In house free legal process
  • No ERCs
  • Equitable charges (subject to criteria)
  • No minimum income
  • Rolled or serviced payments

Express bridging loans

At Mercantile Trust, we offer express bridging loans from £25,000 to £300,000. These loans are the perfect solution for clients who are looking to capital raise quickly in the short term whilst waiting for the longer-term solution to complete.

Express bridging loans are the perfect solution for;

  • Refurbishments
  • Auction deposits
  • Lease extensions
  • Overdue taxes
  • Business

Why is an exit strategy?

Customers applying for a bridging loan must have a clear repayment vehicle at the outset often referred to as the exit strategy. The loan can be paid back in any number of ways, for example sale of a property, inheritance from a family member or refinancing onto a term mortgage. It is important that you and your customers consider the exit strategy before submitting to lender to give comfort to the lender that the bridge will paid back in full and on time.

View our full criteria here