Bridging Finance

Our bridging finance product is tailored for                                                                                                          Property Investors and SMEs across Ireland,  
offering the speed and flexibility needed for                                                                                                        property expansion, acquisitions, refinancing                                                                                                      and refurbishment projects.                                                                                     

Our exclusive bridge to term option also provides                                                                                              a seamless transition to long-term financing                                                                                   once your property is stablised.     

                                                                                                            You can use our finance calculator to g

Specialist Bridging
Lenders

Our bridging finance team is made up of highly experienced and focused lenders. We understand the challenges many customers can face in financing their property in today’s market.

  • Bridging Loans amounts from €500k to €35m
  • Short and Medium Loan Terms from 3 to 24 months available
  • Up to 80% Loan to Value up to €5m, and up to 75% for larger projects
  • Experienced team of lenders

Typical Property Types

We lend to Property Investors and SMEs

Commercial
Office & Mixed-Use Investments
Residental (rental)
Buy to Let, Pre ‘63’s & apartments
Retail
Retail Warehousing, Shopping centres & Parades of shops
Industrial
Warehousing, distribution & storage
Hotels
Hotels & Guest Houses
Licensed Premises
Public Houses & Gastro Restaurants
Manufacturing
Engineering, Construction & R&D
Healthcare
Nursing homes, Primary Care Centres & Medical Centres

Testimonials

Frequently Asked Questions

Bridging finance is a type of short-term loan designed to provide quick access to funds for property purchases, refinancing, or development projects. It “bridges” the gap between immediate financing needs and longer term funding. At Capitalflow, our bridging loans offer flexible terms of 3 to 24 months, allowing you to secure the funds you need to act on property opportunities quickly and confidently.

We understand the importance of speed in property financing. Our team is committed to providing a quick response, typically within a few business days of receiving your application. Once approved, funds can be disbursed swiftly, so you can act on opportunities without delay.

Our bridging finance offers up to 80% LTV for loans of €5 million or less and up to 75% for larger loan amounts. This high LTV ratio provides strong leverage, allowing you to maximize your investment potential.

Yes! We’re excited to offer a “Bridge to Term” option, which allows you to transition from short-term bridging finance to a longer-term facility once your property is stabilized. This provides the flexibility to meet your immediate funding needs with a smooth pathway to long-term financing.

Our bridging finance can be used for various types of properties, including residential, commercial, and mixed-use developments. This includes properties for purchase, refinancing, refurbishment, or development. If you have a specific property type in mind, reach out to our team, and we can discuss how our bridging finance can meet your requirements.

Applying for bridging finance with Capitalflow is straightforward. Simply fill out our online form or call us at 01-5632400. Our team will review your details promptly and work with you to tailor a solution that fits your needs.

Yes, bridging loans may involve arrangement and legal fees, depending on the loan structure. Our team will discuss any fees with you upfront so you have full transparency before committing. Feel free to contact us to learn more about specific costs associated with our bridging finance options.

Capitalflow is a trusted provider with a strong track record in the Irish commercial real estate market. With flexible loan terms, competitive rates, and tailored solutions, we’re committed to helping our clients succeed. Plus with the expertise of our team, including Mark Collins leading our Bridge Lending team, we offer in-depth market knowledge and personalized service to meet your unique financing needs.

Our bridging finance product is tailored for property investors and SMEs in Ireland who need quick, flexible funding. Whether you’re acquiring, refinancing, or renovating property, we provide solutions that align with your project’s goals and timeline.

Capitalflow offers competitive rates based on the specifics of each project. We tailor our rates to reflect the size and risk profile of your investment, and interest rollup options are also available to help you manage costs effectively. For more information, please contact our team to discuss a customized quote.

 

Capitalflow’s bridging finance is an excellent solution for property investors and landlords who need to enhance the energy efficiency of their properties. Whether you’re upgrading insulation, installing energy-efficient heating systems, or investing in renewable energy solutions, our bridging loans provide the quick and flexible funding needed to help boost your property’s Building Energy Rating (BER).

By proactively improving your BER rating, you are making your investment property more attractive to tenants, reducing long-term energy costs, and contributing positively to the environment. These energy-efficient upgrades help lower the property’s carbon footprint, aligning with Ireland’s sustainability goals and creating long-term value for your investment.

With Capitalflow’s tailored bridging finance, you can complete these essential upgrades efficiently, ensuring your property meets both legal standards and the expectations of environmentally conscious tenants.