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Can I Apply for Bridging Finance without Proof of Income?

First 4 Commercial > Uncategorised > Can I Apply for Bridging Finance without Proof of Income?

Some of our customers come to us unable to prove income. If you are in a position where you can provide a proof of income or can pass an affordability test you would struggle to be successful in applying for a bridging loan through traditional lending streams such as high street banks in the UK. At First4Commercial however we look at things differently.

We have built up a vast network of bridging finance lenders, each with specific criteria that allow us to provide coverage to a vast majority of applicants. No matter your personal and financial situation, we are likely to be able to help you secure bridging finance that makes a difference to your project and life.

The vast majority of our lenders use rolled-up or retained interest, meaning there is no need for monthly payments during the loan period.

Rolled-Up Interest – Interest on bridging loans with rolled-up interest is rolled throughout the period of the loan being outstanding, and is added to the outstanding amount as a lump sum at the end of the loan term. They are a popular choice with borrowers who do not have a regular cashflow to rely on.

Retained Interest – Retained interest provides flexibility to the borrower, who can chose the number of months retained in monthly interest payments. The amount retained is still included as part of the capital sum, but the entire process makes monthly interest payments more manageable.

Whatever your reasons behind applying for a bridging loan it is important to understand that you have choices open to you, no matter your personal and financial situation. Contact First4Commercial today and we’ll help you find the right bridging loans for your needs. Call 01277 620 083 or email

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