An equitable charge is the fast lane of secured lending — typically £50k–£300k, minimal admin, no lender consent, no undertakings, no upfront costs. We secure against your available equity and release funds, often within 48 hours. Strictly for business and investment purposes.
An administrative shortcut built for one thing: liquidity, fast. When a conventional second charge stalls on consent, undertakings and valuations, this flies through.
Direct from private funds, with in-house legals and no costs upfront whatsoever. Take it standalone, or back-to-back with a longer-term, lower-rate facility so your exit is lined up from day one.
Indicative terms for business / investment purposes. Strictly unregulated. Payout timing, advance and rate are subject to lender appetite and the available equity. Figures shown are not an offer.
The plain-English version — and why it funds in days, not weeks.
An equitable charge — often called a soft charge — is protected by a unilateral notice registered against the property's title, rather than a full legal charge by deed.
Because it doesn't require the cooperation, consent or undertakings of your existing first-charge lender, almost all of the administrative drag of a conventional charge falls away. No consent letters to chase. No solicitor undertakings. No valuation in the critical path. That is precisely why funds can be released in as little as 48 hours.
It is an administrative get-out-of-jail-free card — a faster route to the same liquidity — not a compromise on your position.
Greater protection for you. An equitable chargee generally cannot exercise an out-of-court power of sale the way a legal charge-holder can — enforcement would require an application to court, a higher and slower bar. More risk sits with the lender; more protection sits with the borrower. The trade-off is deliberate: it's what lets us fund quickly.
Every feature of this product exists to take time and cost out of getting you funded.
Funds released fast — often within 48 hours of instruction. Built for deals that cannot wait 3–5 days.
We do not need your existing lender’s permission to proceed. Neither do you.
None required from solicitors to get you funded.
Handled in-house — no third-party solicitor delays in the chain.
No costs upfront whatsoever. No valuation required.
12-month term, 6-month minimum, and no early repayment charges.
Lending direct from private capital — no committee drag, no layers.
We do not demand a detailed exit plan to fund — we structure it with you.
If your first-charge lender or High Street bank won't sign a consent to a second charge, that is not the end of the road. An equitable charge doesn't need their permission — and neither do you. We secure against your equity directly and fund. We're all about liquidity, done fast.
This product is strictly unregulated. It is available only where the purpose is business or investment.
Take it on its own for fast liquidity. Or run it back-to-back with a longer-term, lower-rate facility, so your exit is lined up at the same time — onto a mortgage or a re-bridge if you need one. We don't just fund the now; we structure the route out. Entirely for you, with you.
A few details and we'll come back fast on how quickly we can fund. No upfront cost, no obligation.
Please enter the full address — not just a postcode. Many UK properties have a house name rather than a number; that's fine, just type it as it appears.
The occupancy and purpose answers determine whether your loan is regulated — please answer accurately. This product is available for business / investment purposes only.
One enquiry, the right route. Each product is matched to the deal — not the easiest option for us.
Fast equitable-charge liquidity when timing is everything.
Explore → 02Flexible specialist first or second charge bridge across our panel.
Explore → Institutional 03Lower-rate institutional bridging for cleaner cases — strong security, clear exit, pricing potentially sharper than standard specialist bridging, subject to underwriting.
Explore → You're here 04Acquisition, works and exit in one facility.
Explore → 05Speed liquidity now, main-loan refinance where appropriate.
Explore → 06Ground-up, structural and staged development funding.
Explore → 07Refinance completed or near-complete schemes onto cheaper capital.
Explore → 08Business and property acquisition structures.
Explore →A senior handling route, not a standard product. Larger, bespoke, multi-security, time-sensitive or awkward legal/title cases that need senior broker structuring.