Posfin Capital — AI-Powered Bridging Finance

Lending Products

Finance built for speed and scale

From emergency cash in 3 days to multi-million-pound facilities in two weeks — one broker, every structure.

⚡

Speed Loan

Liquidity in 72 Hours.

£26,000 – £100,000

2.5

%/month

Zero valuation, zero upfronts. Immediate capital access while your institutional facility processes.

✓ Liquidity in 72 hours — payout in 3–5 working days
✓ No borrower solicitors required — zero legal representation delays, funded without your solicitor in the chain
✓ Zero upfront costs — all fees deducted at drawdown
✓ Built for: Probate release, Auction Rescue, or funding Main Loan friction costs
✓ Net max 50% LTV — current debt + Speed Loan must not exceed 50% LTV. Hard stop.
✓ All credit profiles considered — no active bankruptcy

Execute Speed Loan →

🏗

Main Bridge

Institutional Velocity.

£100K – £5M

0.80

%/month*

From 0.80%/mo | Up to 70% LTV · *Proven exit, excellent credit

✓ Funds in 10–15 working days
✓ Up to 70% LTV — institutional bridge
✓ Proprietary Lending Panel — Backed by Tier-1 Private Credit, Specialist Funds, and Institutional Family Offices
✓ 12-month terms · interest rolled up
✓ Broker fee paid by lender — not by you
✓ AVM route available at ≤65% LTV (proven exit)

Apply Now →

🔄

Back-to-Back

The Hybrid Stack.

The Mechanism: Immediate capital + long-term leverage.

Two facilities.
One structure.

Example deal: Need £50K today and £250K in 15 days?

⚡ £50K today + 🏗 £250K in 15 days

Speed Loan is automatically repaid from the Main Loan proceeds on completion — no double debt, nothing extra to organise.

✓ Speed Loan auto-repaid from Main Loan at completion
✓ No double repayments — one clean exit
✓ £10,000 minimum buffer rule — we validate this for you
✓ Zero upfront costs on the Speed Loan element

See How It Works →

Indicative rates. All loans subject to valuation, credit check, and lender underwriting. Your property may be repossessed if you do not keep up repayments on a loan secured against it. FCA Authorised · FRN 913022.

PRIVATE INVESTOR PLAY: For high-confidence assets, we cover your Valuation & Legal outlay. Ask if you qualify for the Fee-Deferral.

Get Started

Build your deal in real time.

Tell us about your property and we'll structure your facility instantly. Speed Loans in 3-5 days. Main Loans in 10-15 days.

1. Your Details

2. Property

3. Loan Needs

4. Review

Let's start with your details

We'll use these to get back to you with options. Your information is kept strictly confidential.

First Name *

Last Name *

Mobile Number *

Email Address *

Preferred Contact Method

Credit Profile (Self-Declaration) *

Select the option that best describes your situation. This helps us match you to the right product — all profiles are welcome.

Date of Birth *

Residential Address *

Enter postcode and click Find, or type your full address below.

✓ Contact details captured

Tell us about the property

This helps us assess your equity position and what you could borrow.

Property Address *

Enter postcode and click Find, or type the full property address below.

Estimated Property Value (£) *

Property Type

Current 1st Mortgage Balance (£) *

Are you in arrears on the 1st mortgage?

Arrears Amount (£)

We calculate your LTV using the clean mortgage balance (excluding arrears). Arrears will be disclosed separately to the lender.

Any Existing 2nd, 3rd or Other Secured Charges?

CURRENT LTV (CLEAN BALANCE)

MAX GROSS AVAILABLE (70% LTV)

£0

70%

Clean 1st Mortgage

£0

Total Secured Debt

£0

Total Equity

£0

✓ Contact & property captured

What do you need?

Tell us about the loan you're looking for so we can match you with the right product.

Amount to Borrow (£) *

How Quickly Do You Need It?

Loan Product Interest

⚡ Yes — I want a Speed Loan paid out in 3-5 days

We can secure your Main Loan terms first, then fund a Speed Loan to bridge you while the main facility completes. Your Main Loan automatically repays the Speed Loan — no double debt. Nothing to pay upfront.

Configure Speed Loan

Select how much you need upfront and your situation below. We'll show you the most cost-effective option.

Zero upfront costs on Speed Loans

All fees, interest, and charges are deducted from the loan at drawdown — nothing to pay out of pocket. Unlike a Main Loan which typically requires a £500 broker advance, solicitor costs, and valuation fees before completion.

Rollover available at term end

Need more time? Speed Loans can be rolled over for an additional 3 or 6 months at the end of your term, subject to equity remaining within 50% LTV. No re-application — just an extension.

Graduate to a Main Loan

Borrowing under £100k? Start with a Speed Loan, then transition to a brokered Main Loan facility when you're ready for a longer-term solution. We handle the entire refinance — you're already on our book.

Speed Loan Amount

What's your situation?

Refinancing to a Main Loan RECOMMENDED

3 months

Best value. We process your Main Loan refinance within 3 months, which automatically repays the Speed Loan. Total combined term: 3 + 12 = 15 months of facility cover. Also the ideal route for loans under £100k that need longer-term finance — start with Speed, graduate to Main.

Selling / Short-term exit

6 months

If you're selling the property or have another defined exit, 6 months gives you time without needing a second loan. Higher cost but simpler structure — one loan, one exit. Can be rolled over for a further 3–6 months if needed (subject to LTV).

Purpose of Loan

How Did You Hear About Us?

Anything Else? (Optional)

Your Exit Strategy *

How do you plan to repay this facility? Select the option that best fits — this helps us match you with the right lender and gives them confidence in your plan.

🏦

Refinance onto a mortgage

We can introduce you to mortgage broker partners. BTL, commercial, or residential options available.

🏠

Sale of the property

We can help with a free listing via our partners. Estate agents or auction — your choice.

💼

Business proceeds / contracts

Income from your business, larger contracts coming in, or trading activity. You're buying time to execute.

🔑

Sale of another property or asset

You have another property, investment, or asset that will generate funds within the term.

📋

Equity release, pension, or inheritance

Funds expected from a pension drawdown, inheritance, or settlement within the loan term.

🔄

Roll the bridge (extend the term)

Subject to LTV and lender approval. Most lenders allow 6-12 month extensions. We'll discuss options.

Don't worry — we'll discuss your exit strategy in detail on the call. This selection just gives our lenders an indication of your plan.

Review your enquiry

Check the details below and hit submit. We'll be in touch shortly.

By submitting this enquiry you consent to Posfin Capital Limited contacting you by phone, SMS, WhatsApp, and email regarding secured loan products. Your data is processed in accordance with our Privacy Policy. Your property may be repossessed if you do not keep up repayments on a loan secured against it.

✓

Enquiry Received

Thank you. A member of our team will review your details and contact you — usually within a few hours during business days.

📹

A personal video message from Byron — coming shortly.

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How much is your property worth?

Finance built for speed and scale

Build your deal in real time.

Call us or message
on WhatsApp

How much is your property worth?

Finance built for speed and scale

Build your deal in real time.

Call us or messageon WhatsApp

Call us or message
on WhatsApp