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BridgeCrowds’ mission is “To enable people to improve their finances by borrowing and lending between each other, secured over the property.” They do this by combining advanced technology with the team’s extensive experience in bridging loans to create a peer to peer lending platform.  Their typical borrower is property developers looking to refurbish, renovate or develop their property.

The company manages risk by taking a 1st or 2nd charge over a UK property with a maximum loan to value of 70%.  Valuations on properties are undertaken by independent property valuers in the local area of the property.  They have experienced solicitors in place who liaise with the borrower's solicitors for the due diligence and execution of loan agreements.

The platform takes a small fee from the borrower which is spread in the interest rate and covers platform operational costs.

A secondary market is available with average resales taking under 24 hours, although this is subject to another investor purchasing the loan or BridgeCrowd being in a position to buy back the loan with company capital.  Loans that are over term or within one month of maturity cannot be sold.

What happens if the BridgeCrowd stops trading or becomes insolvent?

The company states that it holds the securities and mortgage over the loans to all borrowers in a trust directly on the lender's behalf.  Which ring-fences them from BridgeCrowd and any liquidator or administrator would be obliged to recognise the trust arrangements  They would use the property to return capital and interest to the relevant lenders pro-rata on the lender's loan.

Investor Overview

  • Lending is secured over property by a 1st or 2nd charge
  • No Investor fees
  • Secondary market available
  • * correct as of 17/02/2020
Go to BridgeCrowd


Adamson House, 106 Wilmslow Road, Manchester, United Kingdom,
M20 2YY

0161 312 5656

company number

incorporated 10 years

  • Internet Business Awards Category Award Winner 2015
  • Hertfordshire Business Awards Finalist 2014

As seen in:

  • The Guardian
  • Financial Times
  • Yahoo! Finance
  • The Times
  • The Daily Telegraph