Flexible UK property bridging and development finance solutions for residential and commercial assets
DeFinityX provides flexible and responsive property bridging finance solutions across the UK, supporting both residential and commercial assets for individual borrowers, corporate entities, and ultimate beneficial owners (UBOs).
Our bridging finance offering is designed to support time-sensitive transactions, complex property scenarios, and bespoke requirements where speed, certainty of execution, and structured risk management are critical. We are able to support a wide range of use cases, including acquisitions, refinances, development-led situations, asset repositioning, and transitional funding requirements.
DeFinityX operates with its own funding lines in place, alongside a carefully selected network of specialist funding partners. This allows us to structure and place bridging and property finance solutions efficiently, tailoring each transaction to the asset, jurisdiction, and borrower profile. Where appropriate, transactions may be funded directly or placed with one or more partner lenders to achieve optimal outcomes.
The business is led by a senior team with deep heritage in the UK bridging and specialist property finance market. Property bridging has historically been the core focus and expertise of the group's leadership, forming the foundation on which the wider DeFinityX platform has been built. This experience underpins our disciplined underwriting approach, credit judgement, and ability to navigate complex property and borrower scenarios.
DeFinityX operates its bridging finance activities in parallel with its tokenization and broader structured finance strategies, viewing property finance as a core pillar of the group's long-term growth. As group reserves and balance sheet capacity continue to expand, we intend to scale the bridging finance platform significantly while maintaining strong governance and risk controls.
Our initial focus is the UK market, where we have established infrastructure, experience, and relationships. However, we are open to considering bespoke property financing solutions in other jurisdictions, subject to legal, regulatory, and risk assessment. Each opportunity is assessed on a case-by-case basis to ensure suitability and alignment with our underwriting and governance framework.
DeFinityX provides a broad range of property bridging and development finance solutions designed to support both residential and commercial transactions across the UK. Our offering is flexible, asset-led, and structured to accommodate varying transaction sizes, timelines, and levels of complexity.
Straight bridging finance is designed to support short-term funding requirements where speed, certainty, and flexibility are essential. DeFinityX provides bridging solutions for both residential and commercial properties, suitable for individuals, corporate borrowers, and UBO-led structures.
Typical use cases include property acquisitions requiring rapid completion, refinance of existing debt, chain breaks and auction purchases, capital release against unencumbered or lightly leveraged assets, and transitional funding pending sale, refinance, or longer-term funding.
DeFinityX also provides property development finance solutions for residential and commercial projects, supporting both smaller-scale developments and larger, more complex schemes.
Development finance solutions are structured to support ground-up residential and commercial developments, refurbishment, conversion, change-of-use projects, multi-unit residential schemes, and mixed-use and commercial developments.
DeFinityX is able to support smaller transactions from approximately GBP 100,000 for residential or light commercial bridging, to larger bridging and development facilities ranging up to GBP 25 to 50 million, depending on asset type, structure, and risk profile. Each transaction is assessed on a case-by-case basis, allowing for bespoke structuring.
Our property finance solutions cover residential assets including single units, portfolios, and multi-unit schemes, as well as commercial assets including offices, retail, industrial, logistics, and mixed-use properties.
DeFinityX adopts a flexible, solutions-led approach. Transactions are structured to reflect asset quality and valuation, borrower profile and experience, exit strategy and timeframe, and jurisdictional and legal considerations. Where appropriate, facilities may be funded directly or placed with specialist funding partners to achieve the most suitable outcome.
Our bridging and development finance process is designed to be clear, structured, and efficient, while maintaining strong governance and risk controls.
Prospective borrowers complete the Client Fact Find Form with initial details on the borrower, property, and proposed transaction. This enables an initial assessment and determines whether to proceed.
DeFinityX reviews the transaction type, borrower eligibility, asset characteristics, and financing requirements. Any clarifications are handled before moving forward.
Subject to initial approval, legal counsel is appointed to conduct property and legal verification, confirm title readiness, and identify documentation requirements.
Additional documentation may be requested to support underwriting and risk assessment, including credit files, proof of funds, and exit strategy evidence.
Subject to satisfactory documentation and risk review, non-binding Heads of Terms are issued outlining indicative loan amount, pricing, term, security, and conditions.
Formal underwriting is completed, final approvals obtained, legal documentation executed, and funds released to complete the transaction.
The following documentation is typically required to support bridging and development finance applications:
Completed Client Fact Find Form, property details and address, borrower identification and details.
Government-issued ID (passport), proof of address, company incorporation documents where applicable.
Recent credit file, exit strategy documentation, and financial information supporting repayment ability.
Property title deed or evidence of ownership, professional valuation where required, title insurance or indemnity policies.
Loan agreement, security documents, completion statement, and fee schedule.
| Stakeholder | Role & Scope | Governance & Assurance Positioning |
|---|---|---|
| Rockstead Risk Consultants | Independent specialists in credit risk, compliance review, and underwriting support. Provide third-party risk assessments to inform lending decisions. | Engaged to support independent credit analysis and risk discipline. All lending decisions remain subject to DeFinityX internal approval and governance. |
| Paragon Quantity Surveyors | Project monitoring, cost verification, and construction progress reporting for development and refurbishment transactions. | Reports support staged drawdowns, cost control, and risk mitigation. Appointment does not transfer underwriting responsibility. |
| Westcor Insurance | Provider of title insurance and transaction-related indemnity solutions for property finance transactions. | Insurance policies mitigate specific legal and title risks. Coverage terms, limits, and applicability are transaction-specific. |
| VAS Panel / Group Building Surveyors | Independent RICS-regulated valuers and building surveyors providing property valuations and condition assessments. | Valuations are used for underwriting and risk assessment purposes and do not constitute investment advice or guarantees of value. |
| Brightstone Law | Legal advisers specialising in property finance, bridging loans, and real estate transactions. | Legal counsel acts independently, supporting documentation, security structuring, and completion. |
| Experian, DueDil & Equifax | Providers of credit reporting, financial intelligence, and business verification data. | Data supports credit assessment and counterparty review. Outputs are reviewed within DeFinityX internal risk framework. |
| Dun & Bradstreet (D&B WorldCheck) | Corporate intelligence, credit risk assessment, sanctions screening, PEP identification, adverse media monitoring, and compliance support. | Forms part of the enterprise risk and compliance framework. Final compliance decisions remain with DeFinityX governance functions. |
For clarity and regulatory integrity, DeFinityX bridging finance offering:
DeFinityX bridging finance activities are conducted within the UK regulatory perimeter applicable to unregulated commercial lending and short-term property finance.
Unless expressly stated otherwise:
Clients are encouraged to seek independent legal and financial advice prior to entering into any bridging or development finance arrangement. Nothing on this website constitutes an offer, inducement, or invitation to engage in regulated activity. All transactions are subject to formal credit approval, legal documentation, and completion.
DeFinityX bridging finance offering combines speed, structure, and institutional discipline to support complex property transactions where certainty of execution matters. By leveraging deep market experience, flexible funding structures, and strong governance controls, DeFinityX provides borrowers with tailored short-term finance solutions aligned to asset quality, exit strategy, and risk management without compromising transparency or regulatory integrity.
Additional documentation may be requested where required to support underwriting, risk assessment, governance review, or applicable regulatory obligations. Requests are proportionate to the nature, size, and complexity of the transaction and are communicated clearly throughout the process.
Start the bridging finance application process by completing the Client Fact Find Form and submitting the required documents.
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Client Fact Find Form
Download, complete, and upload the Client Fact Find Form before submitting.
Download Client Fact Find FormSubmit a general enquiry to speak with the DeFinityX team about bridging finance.