UK Bridging Finance Specialists

When time is critical,
we open the way.

OpenWay Finance connects borrowers with specialist bridging lenders across property, business, tax and beyond. Fast decisions. Flexible criteria. Completions from 5 working days. No upfront fees.

Quick interest calculator
1.2%
From per month
70%
Max LTV
5d
Fastest completion
£15M
Facility available
Estimate your monthly interest cost
£15M
Ready to deploy now
5 days
Fastest completion on record
70%
Maximum loan to value
£100K
Minimum loan size
How it works

Four steps from enquiry to funds

No jargon. No unnecessary delays. We have built a process that keeps things moving so your deal doesn't fall through because of slow finance.

1

Tell us what you need

Fill in our short form — loan amount, purpose and security. Takes two minutes. We read every enquiry the same day, no exceptions.

2

Indicative terms in 24 hours

We come back to you with indicative heads of terms within 24 hours. You'll know the rate, costs and timeline before committing to anything.

3

Valuation and legals

A valuation is instructed on your security. The lender's legal fees are added to the loan — no large upfront costs to find before you complete.

4

Funds in your account

With everything in order, we target completion in as little as 5 working days. Fast enough for auctions. Fast enough for any deadline.

Who we help

If you need money fast, we can help

Bridging finance isn't just for property. We work across every situation where short-term funding is needed quickly — and where your credit history shouldn't be the deciding factor.

Auction purchasers

28 days to complete. That's the rule. We specialise in auction finance so you never lose a lot because your funding wasn't in place.

BTL & property investors

Buy, refurbish, refinance. Bridge the purchase with us, improve the property, then move onto a standard BTL mortgage.

Property developers

Planning granted, opportunity identified. Don't let slow finance kill a profitable project — we move at your speed.

Business cash flow

Contract won, invoice outstanding, opportunity knocking. When your business needs capital now, we open the way.

HMRC tax demands

A corporation tax, VAT or PAYE bill that can't wait. Secured bridging buys you the time to sort it properly.

Probate & estates

Probate can take months. If beneficiaries need to release funds sooner, we can bridge against the estate's assets.

Divorce & separation

Buying out a partner's equity or releasing capital while a matrimonial property is being sold. Handled sensitively and quickly.

Commercial property

Office, retail, industrial or mixed-use. When a commercial opportunity needs funding faster than a bank can move, call us.

Chain breaks

Your buyer pulled out. You don't want to lose your onward purchase. We bridge the gap while your sale completes.

Lending criteria

Everything on the table. No hidden surprises.

Too many lenders hide the real costs until you're committed. We put every number in front of you from the start. What you see below is what you get.

Standard lending parameters — funded by Chestnut Finance

All lending is subject to full credit assessment and approval at Chestnut Finance's absolute discretion. Indicative terms only.

Minimum loan
£100,000
No stated maximum
Maximum LTV
70%
Of open market value
Interest rate
1.2% – 2%
Per month, rate confirmed on assessment
Minimum term
6 months
Extensions considered
Charge type
1st or 2nd
Subject to sufficient equity
Security
Property / land
Not borrower's primary residence
Credit history
Flexible
Equity led — CCJs and defaults considered
Lender legal fees
Added to loan
Estimated and confirmed upfront
Completion
From 5 days
Where all information is in order
Arrangement fee
TBC
Confirmed at heads of terms
Exit fee
TBC
Confirmed at heads of terms
Decision
24 hours
From receipt of full information

All fees will be clearly itemised in formal Heads of Terms before you are asked to commit to anything. OpenWay Finance is an introducer only and does not provide regulated financial advice. Loans are for business purposes only and are not regulated by the FCA. Your property may be at risk if you do not keep up repayments.

What people say

Don't take our word for it

★★★★★
"We had 18 days to complete on an auction lot and our original finance fell through. OpenWay came back to us with terms the same day. We completed with two days to spare. Couldn't have done it without them."
James T.
Property investor, Manchester
★★★★★
"I'd been turned down by two lenders because of an old CCJ. OpenWay didn't make it an issue — they focused on the equity in the property, not my credit file. Terms issued the same day I enquired."
Sarah M.
BTL landlord, London
★★★★★
"We had an HMRC deadline and needed bridging fast. Most brokers couldn't move quickly enough. OpenWay had us connected to a lender within hours and the money was with us inside two weeks."
David R.
Business owner, Birmingham
For introducers

Your clients need fast finance. We pay you when they get it.

Solicitors, estate agents, accountants, IFAs and mortgage brokers — if a client of yours needs bridging finance, we make the introduction simple and we pay a referral fee on every completed loan. No fee until they draw down.

Referral fee paid on drawdown — no fee until your client's loan completes
12-month tail period — introductions are protected for a full year
We cover all sectors — property, business, tax, probate, divorce and more
Flexible credit criteria — we can often help where others cannot
Get in touch

Tell us what you need. We'll do the rest.

Complete the form and we'll review your details and come back with indicative terms within 24 hours. No obligation. No upfront fee. Just a straight answer.

Why OpenWay Finance?

Most borrowers who come to us have already been told no — by a bank, a mainstream lender, or a broker who couldn't move fast enough. We exist for exactly those situations. Flexible criteria, a dedicated £15M facility and a process built around speed.

Response timeIndicative terms within 24 hours
Funded byChestnut Finance

Introducers and brokers

We welcome referrals from solicitors, estate agents, accountants, IFAs and mortgage brokers. Contact us to discuss our introducer programme and referral fee structure.

Get your indicative terms

Takes 2 minutes. We respond within 24 hours. No obligation, no upfront fee.

Thank you — enquiry received. We will review your details and respond with indicative terms within 24 hours.

By submitting this form you consent to OpenWay Finance sharing your details with Chestnut Finance for the purpose of assessing your enquiry. Your data will not be shared with any other third party.

OpenWay Finance is an introducer only and does not provide regulated financial advice. All lending is subject to full credit assessment and approval by Chestnut Finance at their absolute discretion. Your property or asset may be at risk if you do not keep up with repayments. Loans introduced through OpenWay Finance are for business purposes only and are not regulated by the Financial Conduct Authority. This website is intended for professional investors, property developers and business borrowers only. OpenWay Finance may receive a referral fee from Chestnut Finance upon successful loan drawdown. Think carefully before securing any debt against a property or asset.