“Life is what happens to you while you’re busy making other plans.”

John Lennon

OUR APPROACH

Commercial – We understand that every transaction is different.

Responsive – We aim to provide early feedback on whether a proposal meets our lending criteria.

Transparent – Borrowers receive clear information about proposed rates, fees, security and repayment requirements.

Relationship-led – We want to build long-term relationships with businesses, investors, developers and professional introducers.

Home

Commercial Bridging Loans & Property-Backed Business Finance

Fast, Flexible Funding for UK Businesses, Property Investors, Developers & SPVs

APM Wealth provides commercial bridging finance and property-backed business funding for UK limited companies, property investment companies, developers and Special Purpose Vehicles (SPVs).

We understand that commercial opportunities often require decisions faster than traditional lending processes allow. Our approach is straightforward: understand the transaction, assess the available security and exit strategy, and provide clear indicative terms where the opportunity meets our lending criteria.

Whether you need funding for a property acquisition, auction purchase, refurbishment, refinancing or short-term business requirement, speak to APM Wealth about your requirements.

  1. Commercial Bridging Loans
  2. Property-Backed Business Loans
  3. Auction Finance
  4. Commercial Property Finance
  5. Refurbishment & Development Funding
  6. Short-Term Business Finance

ABOUT APM WEALTH

Commercial Finance Built Around the Opportunity

APM Wealth was established to provide businesses and property professionals with a more flexible approach to short-term commercial finance.

We focus on understanding the underlying transaction rather than relying solely on a standard lending formula.

Our assessment can consider the value and quality of the property security, existing borrowing, the financial strength of the business, purpose of the loan and the proposed repayment or exit strategy.

We work alongside experienced solicitors, valuers and other professional advisers to ensure transactions are properly assessed, documented and secured.

PRODUCTS

COMMERCIAL BRIDGING LOANS

A commercial bridging loan can provide short-term capital when a business needs to complete a transaction before conventional or longer-term finance is available.

APM Wealth considers commercial bridging finance for qualifying corporate borrowers and SPVs.

Funding may be considered for:

  • Commercial property purchases
  • Investment property acquisitions
  • Auction purchases
  • Property refinancing
  • Refurbishment projects
  • Property development
  • Land and development opportunities
  • Short-term business funding
  • Working capital secured against property
  • Business acquisitions
  • Investment opportunities
  • Bridging a gap before longer-term refinancing

PROPERTY-BACKED BUSINESS LOANS

Unlock Capital From Business or Investment Property

Businesses with suitable property assets may be able to use those assets as security for short-term commercial borrowing.

APM Wealth can consider funding secured by property, subject to the circumstances of the transaction, existing borrowing, valuation and legal due diligence.

Funding may be considered for:

  • Working capital
  • Business expansion
  • Acquisitions
  • Refinancing
  • Short-term cash-flow requirements
  • Property investment
  • Capital expenditure

Security requirements are determined on a case-by-case basis.

FIRST & SECOND CHARGE COMMERCIAL FINANCE

Funding Structured Around Existing Property Finance

Depending on the transaction, commercial lending may be secured by an appropriate legal charge over property.

Where property already has existing borrowing, a further secured facility may potentially be considered subject to sufficient equity, the existing finance arrangements and appropriate legal due diligence.

We consider factors including:

  • Current property value
  • Existing secured borrowing
  • Available equity
  • Proposed loan amount
  • Combined loan-to-value
  • Business financial position
  • Purpose of borrowing
  • Repayment strategy

All security arrangements remain subject to legal review and lending approval.

AUCTION FINANCE

Bridging Finance for Property Auction Purchases

Property auctions move quickly. Once an auction purchase has been agreed, buyers normally have a limited period in which to complete.

Commercial bridging finance can provide businesses and property investors with short-term funding to help complete qualifying auction acquisitions.

We can consider opportunities involving:

  • Investment properties
  • Commercial properties
  • Mixed-use properties
  • Properties requiring refurbishment
  • Development opportunities
  • Land acquisitions
  • Properties requiring refinancing before conventional finance

Early enquiries are encouraged where an auction deadline is involved.

COMMERCIAL PROPERTY FINANCE

Finance for Commercial Property Opportunities

APM Wealth considers property-backed commercial funding across a range of property types and investment opportunities.

These can include:

  • Offices
  • Retail premises
  • Industrial units
  • Warehouses
  • Mixed-use properties
  • Investment properties
  • Development sites
  • Land
  • Property portfolios

Each opportunity is considered individually based on the borrower, property, security and exit strategy.

DEVELOPMENT & REFURBISHMENT FINANCE

Funding Property Projects

We can consider funding requirements associated with property improvement and development opportunities.

These may include:

  • Property refurbishment
  • Commercial property conversion
  • Residential investment development
  • Commercial development
  • Property repositioning
  • Development site acquisition

For larger or specialist projects, we may also work with external funding partners where appropriate.

BUSINESS BRIDGING LOANS

Short-Term Finance for Commercial Requirements

Bridging finance isn’t limited to buying property.

Where suitable property security is available, short-term finance may help businesses respond to time-sensitive commercial requirements.

This could include:

  • Working capital
  • Business expansion
  • Acquisition opportunities
  • Temporary cash-flow requirements
  • Refinancing existing business borrowing
  • Capital expenditure
  • Short-term funding pending another financial event


WHO WE WORK WITH

APM Wealth primarily works with corporate and commercial borrowers, including:

  • Limited Companies- Short-term commercial funding for established and growing businesses.
  • Property Investment Companies- Finance for property acquisition, refinancing and portfolio opportunities.
  • SPVs- Property finance for Special Purpose Vehicles established for investment and development transactions.
  • Property Developers- Funding for acquisition, refurbishment and qualifying development opportunities.
  • Commercial Property Investors- Short-term finance for commercial and investment property transactions.

HOW OUR BRIDGING FINANCE PROCESS WORKS

1. Initial Enquiry

Tell us: How much you require

  • Purpose of the funding
  • Property being offered as security
  • Estimated property value
  • Existing borrowing
  • Required term
  • Proposed repayment strategy

2. Initial Assessment

We review the borrower, transaction, security and proposed exit strategy.

3. Indicative Terms

Where the transaction meets our initial criteria, indicative commercial terms can be provided.

4. Valuation & Due Diligence

Depending on the transaction, appropriate property valuation, title checks, company checks and other due diligence may be required.

5. Legal Documentation

Solicitors complete the required loan and security documentation.

6. Completion

Once all lending conditions and legal requirements have been satisfied, the transaction can proceed to completion.

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WHY APM WEALTH?

Commercial Decisions

We assess the overall strength of the transaction, business, security and exit strategy.

Flexible Approach

Every funding requirement is different. We assess transactions individually rather than applying a one-size-fits-all approach.

Property-Backed Lending Expertise

Our focus is commercial bridging, property-backed lending and property investment finance.

Clear Communication

We aim to provide straightforward information throughout the application and completion process.

Professional Network

We work alongside solicitors, valuers, property professionals and specialist funding partners where required.

Relationship Focused

We welcome repeat business and aim to develop long-term relationships with borrowers and professional introducers.

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Proffessional Introducers

Introduce Commercial Finance Opportunities to APM Wealth

We welcome enquiries and introductions from professional advisers whose clients require commercial bridging or property-backed business finance.

We are interested in developing relationships with:

  • Accountants
  • Solicitors
  • Commercial Finance Brokers
  • Mortgage Brokers
  • Property Consultants
  • Estate Agents
  • Auction Houses
  • Surveyors
  • Developers
  • Property Sourcing Professionals

If you have a client with a commercial funding requirement, contact us to discuss the transaction.

Become an Introducer

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Wealth Solutions

Beyond Property Finance

Through our wider professional network, APM Wealth can also connect suitable clients with specialist providers in areas including:

  • Wealth Management
  • Private Banking
  • Investment Solutions
  • International Banking
  • Trust and Estate Planning
  • Investment Structuring

Where a service constitutes a regulated financial activity, it should only be provided by an appropriately authorised provider.

CONTACT US

Tel: 0121 601 0756

Address

53 Davies Street, Mayfair, London, England, W1K 5JH

Email

info@apmwealth.co.uk