Bridging finance · England & Wales
Short-term property finance, without interest.
Facilities from £100,000 to £250,000 secured on investment and commercial property. Indicative decision within 48 working hours of a complete enquiry.
Submit an enquiryLending criteria
- Facility size
- £100,000 — £250,000
- Term
- Up to 12 months
- Maximum LTV
- 65%Against open market value
- Security accepted
- Residential investment / BTLCommercial property
- Not accepted
- Owner-occupied residential
- Jurisdiction
- England & Wales
- Exit routes
- Sale of securityRefinance onto a term facility, or any credible documented exit
- Decision
- 48 working hoursFrom receipt of a complete enquiry
Default charges
We do not apply default charges or penalty fees if a facility runs beyond its term.
Early repayment charges
Redeem whenever your exit completes. There is no cost to repaying early.
How the facilities are structured
Our facilities do not charge interest. They are built on commodity murabaha — a purchase and sale arrangement in which the profit is a fixed amount, agreed in writing before the facility begins.
That has a practical consequence worth stating plainly: the amount you repay is known at the outset and does not grow over time. There is no compounding, no rolled-up interest and no accrual against the balance.
The structure is Sharia-compliant. It is also, we think, simply a clearer way to lend.
Facilities are secured by a first legal charge over the property. Borrowers are companies and individuals acquiring or refinancing investment and commercial property. We do not lend on owner-occupied homes.
Process
Enquiry
Send the property, the amount, the term and the exit. Brokers can use the form below or email us directly.
Indicative terms
Within 48 working hours of a complete enquiry, we confirm whether the case fits and on what basis.
Valuation and legals
We instruct a valuation and appoint solicitors. Your solicitor acts for you throughout.
Documentation
The purchase and sale agreements are issued for signature, with the profit amount and repayment date fixed.
Completion
Funds are released on completion of the charge.
About
Ailsworth Capital is a privately funded bridging lender based in Bedfordshire, lending on property in England and Wales. We are a small firm and every enquiry is read by a director.
Submit an enquiry
The more complete the enquiry, the faster the answer. You can also email enquiries@ailsworthcapital.com.