Bridging Finance in Greater Manchester
CoreFi arranges short-term bridging finance for businesses across Greater Manchester, typically limited companies buying, refurbishing or refinancing property. We match your case to lenders who fund in the region. Rates, loan-to-value and terms are indicative and depend on the property, the exit and lender appetite.
Bridging finance is short-term, secured lending used to move quickly on a property or business opportunity when longer-term funding is not yet in place. Across Greater Manchester, from Manchester city centre and Salford Quays to Stockport, Bolton, Rochdale, Oldham, Bury, Wigan, Trafford and Tameside, businesses use bridging to complete a purchase at auction, fund a refurbishment before refinancing, unlock capital tied up in existing property, or bridge the gap between selling one asset and buying another. CoreFi is a commercial finance broker. We work with businesses, principally limited companies, to understand the deal and match it to lenders whose criteria fit. We do not lend ourselves and we do not decide the outcome. Whether finance is offered, and on what terms, depends on the property, your proposed exit and each lender's appetite at the time. Any rate, loan-to-value figure or timescale mentioned on this page is indicative and for illustration only.
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Tell us about the deal
Share the basics: the property or asset, its location in Greater Manchester, the amount you need, the purpose and your proposed exit, whether that is a sale or a refinance.
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We match you to lenders
CoreFi reviews the case and identifies lenders on our panel whose criteria fit the property type, location and borrower profile. We focus your application rather than spraying it everywhere.
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Review indicative terms
Interested lenders come back with indicative terms. Any rate, loan-to-value or timescale is illustrative and subject to full underwriting; nothing is guaranteed until a lender formally offers.
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Proceed with the lender
You deal with the chosen lender to complete valuation, legals and drawdown. CoreFi stays available to help keep the case moving.
What bridging finance is used for
Bridging is designed for situations where speed and a clear exit matter more than a long term. Common uses among Greater Manchester businesses include buying property at auction where completion is required within a fixed window, funding a refurbishment or conversion before refinancing onto a longer-term facility or selling, releasing equity from an owned property to fund another purchase or working capital, and bridging a chain-break where the sale of one asset has not yet completed. Because the loan is secured against property and repaid from a defined exit, such as a sale or a refinance, lenders focus heavily on the quality of the security and the credibility of the exit. A well-evidenced exit tends to matter more than headline rate.
Bridging finance across Greater Manchester
Greater Manchester is a large and varied market, and the type of bridging that fits depends on where and what you are funding. In central Manchester and Salford Quays, activity often centres on commercial units, office-to-residential conversions and city-centre residential stock. In Stockport, Trafford Park and the wider industrial belt, deals frequently involve warehousing, light-industrial units and trade premises. Towns such as Bolton, Bury, Rochdale, Oldham, Wigan and Tameside see a steady flow of residential refurbishment, small mixed-use blocks and auction purchases. Sectors we regularly see bridging used for include property development and refurbishment, retail and hospitality premises, manufacturing and logistics units, and professional services taking on their own offices. CoreFi matches each case to lenders who are comfortable with that property type, location and business profile.
How CoreFi works and what we are
CoreFi is a trading name of JG Core Ltd. We are a commercial finance broker, not a lender. Broking unregulated commercial finance to limited companies does not require FCA authorisation, and we do not hold ourselves out as FCA authorised or regulated. Our role is to understand your requirement, package it clearly and introduce it to lenders on our panel whose criteria fit the deal. You deal directly with the lender on the loan itself. We are transparent that we cannot promise an approval or a specific rate. What we can do is save you time by focusing your case on lenders who fund this type of bridging in Greater Manchester, and by helping you present a clear exit that lenders can underwrite.
What lenders look at
For a bridging case, lenders typically assess the property offered as security, the loan-to-value against it, your proposed exit and how realistic it is, and the profile of the borrowing entity and its directors. A refinance exit usually needs the longer-term facility to be plausible on the numbers. A sale exit usually needs the asset to be saleable within the loan term. Any loan-to-value or rate discussed at this stage is indicative; the actual terms come from the lender after they have assessed the specific deal. Being ready with details of the property, the purchase or refinance, and how the loan will be repaid tends to move a case forward faster.
Frequently asked questions
Is bridging finance available across all of Greater Manchester?
Yes. We work with businesses across the region, including Manchester, Salford, Stockport, Bolton, Bury, Rochdale, Oldham, Wigan, Trafford and Tameside. The lenders we match you to will confirm whether they fund your specific property type and location.
Can CoreFi guarantee I will be approved?
No. We are a broker and we do not lend or decide outcomes. Whether finance is offered, and on what terms, depends entirely on the property, your proposed exit and each lender's appetite at the time. We help present your case well, but the decision sits with the lender.
What rates and loan-to-value can I expect?
Any figures discussed are indicative and for illustration only. Bridging pricing and loan-to-value vary by lender, property, term and exit. The actual terms come from the lender after they assess your specific deal, so we avoid quoting fixed numbers up front.
Is CoreFi FCA authorised?
CoreFi arranges commercial finance for businesses, principally limited companies. Broking unregulated commercial finance to limited companies does not require FCA authorisation, and we do not hold ourselves out as FCA authorised or regulated.
Who can use CoreFi for bridging finance?
We work principally with limited companies borrowing for business or commercial-property purposes. The lender will confirm the eligible borrower structure for their particular product as part of their assessment.
How quickly can bridging complete?
Bridging is often used precisely because it can move faster than longer-term finance, which is why it suits auction purchases and chain-breaks. Timescales depend on the lender, the valuation and the legal work, so any timeframe mentioned is indicative rather than a promise.
What is a bridging finance exit?
The exit is how the loan is repaid, usually the sale of the property or a refinance onto a longer-term facility. Lenders focus heavily on the exit because it is how they get their money back, so a clear, evidenced exit strengthens your case.
Explore bridging finance for your Greater Manchester deal
Tell us about the property and your exit, and we will match you to lenders who fund bridging in the region. No obligation, and any terms shown are indicative until a lender formally offers.
Get matched with lenders