Four ways to borrow, one honest process.
From a three week bridge to a thirty year commercial mortgage, HyLend arranges business purpose finance from £100k to £100m+ across the UK and Europe, whole of market, in effectively every sector. Here is what each product does, when it fits, and where to go deeper.
Fast, asset backed, exit driven.
Short term finance from £100k to £25m secured against property, repaid in 3 to 24 months from a defined exit. Built for speed: auction deadlines, chain breaks, refurbishments and capital raises where completing in weeks is the whole point. Rates from 0.69% per month at up to 75% LTV, with retained or serviced interest.
Fits when: the deal itself creates the value and time is the constraint. Bridging loans explained →
Funding the build, staged and monitored.
Facilities from £500k to £100m for ground up schemes, conversions and heavy refurbishments, secured against gross development value with staged drawdowns. Up to 70% LTGDV and 85% LTC, rates from 8.0% per annum charged on the drawn balance only.
Fits when: you are creating value through construction and need the land and build funded together. Development finance explained →
Stretch the debt, protect the equity.
Subordinated capital from £250k to £15m sitting behind your senior facility, taking combined leverage to 80% of GDV. Priced from 1.35% per month for the position it holds, and worth it when the equity it releases earns more in your next deal than the tranche costs.
Fits when: a strong deal needs less of your equity in it, or a cost overrun needs funding without repricing the senior debt. Mezzanine finance explained →
Hold the asset, service the debt.
Term finance from £100k to £25m over 1 to 30 years for income producing or owner occupied commercial property, interest only or capital and interest, rates from 5.9% per annum. The natural exit from a bridge or development facility, and the cheapest way for a trading business to own its premises.
Fits when: the asset is stabilised and the debt should be priced for holding, not speed. Commercial mortgages explained →
Every sector. Every industry. UK and Europe.
Hospitality and hotels, healthcare and care homes, retail, offices, industrial and logistics, student accommodation, build to rent, leisure, agriculture and rural, mixed use, and trading businesses of every kind: if the deal makes sense, the sector rarely stops it. Coverage runs across the UK and Europe, with whole of market lender access on every product.
One thing that runs through every product on this page
Whatever the facility, the amount you can borrow is a percentage of a valuation figure — and there is usually more than one figure available for the same asset. Market value, a 90 or 180 day restricted marketing period figure, vacant possession, market value as if complete, or a trading business value can all appear in a single report.
The type of valuation also sets your timeline, from minutes on an automated model to three weeks on a full commercial Red Book report. Both decisions are made when the lender is chosen. The full valuations guide →