We are a Specialist Bridging Loans Broker 

Octagon Capital is a specialist broker that can help you compare bridging loans in the UK ranging from £50,000 to £25 million. Based in the centre of London, we have partnered with the award-winning SPF Short Term Finance who will process your enquiry.

0333 414 1491

Enquire Below

*UK Property Only | *Minimum Age 21

  • By submitting this form I agree to being contacted by SPF Short Term Finance and I have read and accept the Terms and Conditions.

Key Features

  • Borrow £50,000 – £25 million
  • Loan Term: up to 24 months
  • Loan-To-Value: up to 75% (regulated) and 80% (non-regulated)
  • Rates from 0.44% per month
  • All credit scores considered

Auction finance refers to borrowing money or taking out a loan to put towards a property that you have purchased at an auction.


Construction finance loans allow you to borrow up to £2 million towards a construction project of your choice.


Development finance is a type of short-term lending that a property developer or company will use to pay for the renovation or refurbishment of a property.


Equity release allows homeowners to unlock 20% to 60% equity in their property’s value and receive money in one lump sum...


Mezzanine Finance is a type of business loan which involves a combination of debt (a loan) and equity (giving up shares in your business).


Bridging finance is used to complete on properties within a tight deadline, with flexible options available, funding can be completed in 2 to 4 weeks.

Our Specialist Finance Lenders

We work with over 40 lenders in the UK. See the full list here

What is Specialist Finance?

Specialist finance allows you to use alternative funding options that are not available at your local bank or from traditional lenders – often secured against a property and funded within a short timeframe.

Our panel of lenders are able to take a more personal and positive approach to funding all kinds of properties and opportunities – including those who are self-employed, have limited companies or have bad credit histories.

Examples of specialist finance include bridging loans which are often used to purchase a property under a tight deadline. You have development finance if buying a plot of land or looking to develop or construct a building. There is also mezzanine finance which combines equity and debt – so you can borrow up to 90% LTV but give up a small piece of equity in your scheme.

Why Use a Bridging Finance Broker Like Octagon Capital?

Every project or purchase is different and unlike traditional mortgages, specialist finance products can be far more tailored and flexible to suit your requirements.

Every lender has a different criteria – but working with a broker can truly help you find the best terms and rates specifically for your needs.

Octagon Capital have partnered with SPF Short Term Finance to offer a highly personable experience. We respond quickly to any enquiries, big or small, and will be able to come back to you with indicative terms in less than 24 hours.

We have access to the entire market, including challenger banks, bridging lenders and private investors – so that you can truly access the best products available in the UK.

We do not charge any fees until you are ready to proceed and have a deal in writing – so we are enthusiastic and passionate about finding the right deal for you.

Meet The Team

Try Our Specialist Finance Calculator

By submitting this form I agree to being contacted by SPF Short Term Finance and I have read and accept the Terms and Conditions.

  • Please give us a call if you require more than £25,000,000

Frequently Asked Questions with Octagon Capital

Is Octagon a Broker or Lender?

Octagon Capital is a broker, partnered with SPF Short Term Finance, and we work with a range of private lenders, challenger banks, bridging and development providers.

Do You Charge Fees for Applying?

No, we do not charge any fees for applying until we have a formal offer that you have approved and have signed. There may be commitment fees prior to a deal being funded, but once all the final checks have been made by you and your solicitor, you will not pay any fees until the loan has been funded. Once the loan is funded, you will pay interest to the lender and we will receive a broker fee from them too.

What Products Do You Offer? 

We offer a range of specialist finance products including bridging loans, development finance, mezzanine finance, senior debt, construction finance, invoice finance, second charge mortgages and equity release.

What Rates Can You Offer?

Octagon Capital can offer rates from 0.44% per month and the rate you are charged is based on factors such as your security, income, equity, credit status, previous experience and your project specification. Usually those property developers or investors with prior experience, a healthy track record and good exit strategy will access the best rates and terms.

Can You Assist People with Bad Credit Histories?

Yes, specialist finance is very well catered for people with adverse credit, usually taking the property and its potential value as one of the main things that lenders look at. Whilst some lenders will consider credit scoring, there are several other factors that are taken into account such as your income, track record and your security.

Could My House Get Repossessed?

Yes, there is always a risk with specialist finance and secured lending that your property could get repossessed. This is a last resort and occurs if you have not been able to repay your loan and have been able to refinance the property in any other ways.


A maximum fee of 1% of the loan amount is payable – for example on a mortgage of £100,000 the fee would be £1,000, the exact fee will be dependent on your circumstances. For Bridging Finance where the net loan amount is £150,000 or below, the maximum fee charged is £1,995.

SPF Short Term Finance is a trading style of SPF Private Clients Limited which is authorised and regulated by the Financial Conduct Authority (FCA).