Privately funded bridging finance
Flexible Finance.
Practical Solutions.
HBI Capital was built to stay flexible, deal after deal. Being privately funded means we can look properly at the ones with a bit of a story attached, and give you an answer that sticks.
When your client needs certainty and speed, you need a lender who picks up the phone and commits.
Lending at a Glance
Value
£100k - £1.5m
Term
3-18 months
Asset Types
Residential, Commercial, Mixed-use
Valuations
In-house, typically within one week
Legals
Dual-representation available
Rates from
0.9% per month
LTV
Up to 75%
GDV
Up to 70%
Locations
England & Wales
Security
First and second charge
Privately funded
In-house valuations
Dual representation
Personally managed
Why brokers choose us
Why brokers keep coming back
Our capital is our own, privately funded, so our criteria can flex to the deal.
See how we work with brokers →100% privately funded
Giving us the freedom to say yes on merit.
In-house valuations
Quicker, more commercial answers.
Dual representation
Less cost, less delay.
One point of contact
Managed personally by the principals, start to finish.
The numbers
£40m+
lent to date
150+
loans completed
100%
privately funded
From 5 days
to funds released
Combined lending across HBI Capital and Westfoot Investments, acquired by HBI Capital.
How it works
Working with us is refreshingly simple.
01
Send us the deal.
Circumstances, security, and the exit. A quick call is enough to start.
02
We review it properly.
In-house valuations and direct decisions from the people who own the outcome.
03
We fund and complete
Clear terms, dual representation where it helps, and money when your client needs it.
Real deals
Trusted by the brokers we work with
Residential conversion
£950k to complete a commercial-to-residential conversion
A first charge refinance that gave an experienced developer the time and funding to finish a small scheme of self-contained apartments, and move onto long-term buy-to-let debt.
Read the deal →
Commercial refinance
£500k to refinance and consolidate a commercial portfolio
A first charge facility that brought a family-owned property group’s borrowings under one roof, giving them room to review their asset base on their own terms.
Read the deal →
Hospitality refinance
£775k to refinance a bridge on a fully occupied hotel
A first charge refinance of an existing bridging facility, secured on a trading hotel with adjoining residential accommodation, giving an experienced investor a clear run onto a commercial mortgage.
Read the deal →Trusted by brokers
Working with HBI has been a breath of fresh air. There’s no convoluted credit process, just direct access to decision-makers, commercial thinking and a genuinely client-centric approach.
Louis Wilson
NM Finance
HBI are quick, responsive and easy to work with, and take a genuinely collaborative approach to getting deals completed.
Paul Reeves
Real Finance
HBI take a practical, no-nonsense approach to bridging, with clear communication and a genuine focus on delivering what they say they will.
Ian Moore
Independent Business Finance
Broker FAQs
Straight answers, before you even ask.
The questions brokers ask us most. If yours is not here, call the team. You will get an answer the same day.
What do you lend on?
Residential investment, commercial, mixed-use and development property, for commercial and investment purposes, via intermediaries. We look for sensible security and a clear, credible exit, not a rigid checklist.
How fast can you complete?
Funds can be released in a matter of days from enquiry. Private funding means no third party to consult, valuations are done in-house, and dual representation keeps the legal work moving.
What LTV do you go to?
We judge each deal on the asset, the exit and the story rather than a fixed scorecard. Send the details over and we will give you a straight answer on leverage, usually the same day.
How do I get you on my panel?
There is no lengthy onboarding. Call us or submit your first deal. A principal will handle it with you directly, start to finish, and stay your point of contact from then on.
Insight
Short, useful reads on bridging.
Put us to the test.
Straight to the people who decide. Send us your deal and we’ll give you a straight answer.
Prefer to talk? Call 07803 760401