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Bridging · Large loans

Large bridging loans

Larger facilities need a different conversation: bespoke structuring, private credit funds and family offices, and lenders willing to negotiate the detail.

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How larger bridging facilities work

Above a certain size, standard bridging products give way to negotiated facilities. Pricing, covenants, fees and security are agreed case by case, and the right lender is often a private credit fund, a family office or a bank’s specialist lending arm rather than a mainstream bridging lender.

These deals reward preparation. Lenders expect a clear information pack: the assets, the business plan, the sponsor’s background and a well-evidenced exit. We prepare that pack with you and approach a short list of lenders whose appetite matches the deal, rather than circulating it widely.

Typical uses

  • Acquiring high-value commercial or residential investment assets
  • Portfolio purchases and refinances across multiple properties
  • Bridging the period before a large development facility or institutional sale
  • Funding complex ownership structures or corporate acquisitions of property-owning companies

Questions

Frequently asked questions

Who lends at this level?
Specialist bridging lenders with larger balance sheets, private credit funds, family offices and the specialist arms of some banks. Each has different appetite for asset type, location and structure.
Are terms negotiable on larger loans?
More so than on smaller loans. Pricing, fees, covenants, interest treatment and release mechanics can all be negotiated, which is where a well-prepared information pack makes a real difference.
Can you work alongside our own advisers?
Yes. On larger transactions we work alongside your solicitors, tax advisers and any corporate finance advisers so the facility fits the wider structure.

Have a bridging deal in front of you?

Send us the headline numbers. We will tell you plainly whether it is fundable, how we would structure it, and what we would need to take it to lenders.

Get indicative terms

Or email maxwell@koulenandpartners.co.uk