The Route - Finance

Using pre-mandated Member funds, The Route - Finance offers SMEs prompt initial decisions on secured loan proposals with a certainty of outcome.

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Max term

1m - 20m

Min/Max Loan



The Route – Finance is part of The Route – City wealth club, a wealth management company based in the City of London. Members of The Route – City wealth club pay a membership fee to gain access to a suite of services, which includes the option to participate in investment opportunities sourced by The Route – Finance.

The Route – Finance has provided debt and equity investments since its inception in 2008. With more experience than most alternative finance providers, and investor funds pledged according to pre-mandated criteria, The Route – Finance is able to deliver secured loan funding quickly for SMEs in need of short-term financing.

The Private Debt Platform (PDP) was launched in 2013, and provides short term, fully secured loans, typically between £1m and £10. Principally lending to UK SMEs, loans are funded by The Route club’s High Net Worth investors who wish to obtain attractive returns within a framework of secured lending. Over £70 million has been raised via The Platform since its launch.

As these loans are mandated funds pledged by the club’s Members, The Route – Finance is able to provide prompt decisions with a high certainty of outcome to potential borrowers on short term, typically between 6 and 24 month, loans. 
Businesses can therefore unlock the funding they need more quickly and with greater certainty than through traditional sources of finance. An ‘in principle’ decision can usually be made within 48 hours, subject to the provision of the required information needed to pass The Route – Finance’s due diligence assessment. To date, every secured loan The Route – Finance has released to its Members has been oversubscribed.

The Route – Finance exercises a comprehensive and rigorous assessment in respect of each proposal, which provides a prompt and definitive outcome for all loan applications. The process is streamlined, but flexible, and, as such, The PDP provides a valuable source of funding for Commercial Finance Brokers wishing to place loans efficiently on a bespoke basis.

The Route – Finance is a patron member of the NACFB (National Association of Commercial Finance Brokers). The NACFB is the regulatory body for the Commercial Finance industry, whose core objective is to ensure good practice and standards amongst its members.

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Contact The Route - Finance

The Route - Finance
The Route - City Wealth Club
3rd Floor
21 Godliman Street

+44 203 141 9040

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Frequently asked questions

What is a bridging loan?

A bridging loan is a short-term loan secured against property. It allows you or your business to “bridge a gap” until either longer-term finance can be arranged, or the underlying security or other assets can be sold.

What can I use a bridging loan for?

Bridging loans can be used for a wide variety of purposes. Perhaps the most common purpose is to allow you to buy a new home or business premises before you have sold your existing property. They can also be used by investors to buy property at auction, landlords to acquire buy-to-lets, developers to acquire and renovate properties and businesses to raise working capital. There are a myriad of different uses and can help to find the best loan for you.

How much can I borrow?

Loans generally range from £10,000 to £50M with smaller or larger amounts provided on an exceptional basis. The value and equity within the property or properties you are securing against will determine how much you can borrow. The maximum loan to value (LTV) currently offered by most lenders ranges between 65-80%

What rates can I expect to pay on a bridging loan?

In general most bridging loans will fall between 0.5% and 1.5% per month although occasionally they can be either slightly cheaper or slightly more expensive. Each loan is priced on risk with particular attention paid to the property, its location and the strength of your exit strategy.

How long will it take to get these funds?

Many lenders can agree terms in hours and funds can be in place in days rather than weeks. Average completion times with some lenders can be in the range of just 7-14 days. When you require speed to take advantage of a time-limited opportunity can help you to find the best lender for your unique circumstances.

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