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The UK's first AI-native commercial finance brokerage

A brokerage built on AI, run by experienced brokers.

Our engine sources your deal live against every lender's criteria while a broker talks it through with you, then builds the full application as you go. You get indicative terms before you hang up, and lenders get a complete case first time.

Broker fee
£0
We're paid by the lender when your loan completes.
Indicative terms
On the call
Not three to five days later.
Full application
In minutes
Sent to lenders within minutes of your instruction.

For lenders

Join the founding lender panel

Ledgerly launches with its founding panel. Deals matched to your exact criteria, every file complete, and no cost to join.

Optional.
What do you lend? Tick all that apply.

What we arrange

Bridging, for every kind of deal

Our brokers arrange bridging for property investors, developers and businesses, from a quick auction purchase to the exit from a finished development.

By purpose

By charge

And through our referral partners

Bridging first. Every kind of commercial finance next.

  • Development finance
  • Commercial mortgages
  • Buy-to-let
  • Asset finance
  • Invoice finance
  • Business loans
  • Tax funding

We don't arrange regulated mortgages on your own home.

Bridging · by purpose

Purchase bridge

A short-term loan to buy a property quickly, when a mortgage would take too long, or when the property can't get a mortgage yet.

Often used for

  • Buying before a buy-to-let or commercial mortgage is ready
  • Buying a property a mortgage lender won't lend on yet, such as one without a working kitchen or bathroom
  • Commercial and mixed-use purchases on a tight timescale

How it's usually repaid

Usually repaid by a buy-to-let or commercial mortgage, or by selling the property.

Bridging · by purpose

Auction purchase

Finance to complete an auction purchase inside the deadline, which is usually 28 days after the hammer falls. Miss it and you can lose your deposit.

Often used for

  • Completing after a winning bid
  • Properties that need work before a mortgage lender will look at them
  • Lots bought below what they'd fetch on the open market

How it's usually repaid

Usually repaid by refinancing onto a mortgage, often after works, or by selling the property.

Good to know

It helps to talk to a broker before you bid, so the finance is lined up before the hammer falls.

Bridging · by purpose

Chain break

Lets you buy your next investment or business property before the sale of your current one completes, so a broken chain doesn't cost you the purchase.

Often used for

  • Keeping a purchase alive when your buyer pulls out
  • Buying before your sale is agreed
  • Moving business premises without waiting on a sale

How it's usually repaid

Repaid when your existing property sells.

Good to know

Bridging secured on a home you live in, or will live in, is regulated, and we don't arrange it.

Bridging · by purpose

Below-market-value purchase

Lets you move quickly on a property offered below its market value, usually by a seller who needs a fast sale.

Often used for

  • Probate and repossession sales
  • Sellers who need to complete quickly
  • Portfolio sales

How it's usually repaid

Usually repaid by refinancing onto a mortgage at the property's full value, or by selling it.

Good to know

Lenders look closely at the evidence for the property's value, so a valuation that supports it matters.

Bridging · by purpose

Refinance bridge

Replaces your existing borrowing with a short-term loan, usually to buy time or put the property in a better position for longer-term finance.

Often used for

  • Repaying a lender that wants its money back quickly
  • Clearing a charge before a sale or a remortgage
  • Buying time to fix whatever is stopping a mortgage

How it's usually repaid

Usually repaid by a term mortgage or a sale.

Bridging · by purpose

Re-bridge

Replaces a bridge that's coming to the end of its term, when the original plan to repay it has taken longer than expected.

Often used for

  • Works or planning taking longer than planned
  • A sale that's slower than expected
  • Moving away from a lender whose terms no longer suit

How it's usually repaid

Repaid by the original exit, given the time it needs.

Good to know

Lenders will want to know why the first exit didn't happen and why the new plan will work. A clear explanation in your case helps.

Bridging · by purpose

Capital raise

Raises cash quickly against a property you already own, for business or investment purposes.

Often used for

  • Funding the deposit on another purchase
  • Releasing equity for use in your business
  • Meeting a time-critical business cost

How it's usually repaid

Usually repaid by refinancing onto longer-term finance, or by a sale.

Bridging · by purpose

Light refurbishment

Funds the purchase of a property that needs updating, and often the works too, where nothing structural changes: kitchens, bathrooms, decoration, flooring and rewiring.

Often used for

  • Buy, refurbish and refinance
  • Bringing a property up to a lettable standard
  • Making a property mortgageable

How it's usually repaid

Usually repaid by refinancing on the improved value, or by selling the property.

Bridging · by purpose

Heavy refurbishment

Funds structural works: extensions, loft conversions, changing the layout, or converting a building to a new use.

Often used for

  • Converting a house into flats or a house in multiple occupation (HMO)
  • Extensions and structural alterations
  • Change of use, such as offices into homes

How it's usually repaid

Usually repaid by refinancing or selling the finished property or units.

Good to know

Lenders usually release the works money in stages as the work is done, and often need planning permission and building regulations approval in place.

Bridging · by purpose

Planning bridge

Buys or holds a site or building while you get planning permission, before you move onto development finance or sell.

Often used for

  • Buying land or a building with planning potential
  • Holding a site while an application is decided
  • Securing a purchase before planning is granted

How it's usually repaid

Usually repaid by development finance once planning is granted, or by selling with planning in place.

Bridging · by purpose

Development exit

Repays your development finance when the build is finished or nearly finished, so you have time to sell or let the units without the development lender's deadline.

Often used for

  • A development loan nearing the end of its term
  • Releasing profit to start your next project
  • Selling units without dropping the price to hit a deadline

How it's usually repaid

Repaid as the units sell, or by refinancing onto term finance.

Bridging · by charge

First charge

The bridge is the main loan secured on the property, so if it's sold, this lender is repaid first.

Often used for

  • Buying a property
  • Refinancing a property's existing mortgage
  • Properties with no other borrowing on them

How it's usually repaid

Repaid by the exit you agree with the lender: usually a sale or a longer-term mortgage.

Bridging · by charge

Second charge

A bridge secured behind an existing mortgage, so you can raise money against a property's equity without disturbing the mortgage already on it.

Often used for

  • Keeping an existing mortgage whose terms you want to hold on to
  • Raising money quickly against a property's equity
  • Funding a purchase or works elsewhere

How it's usually repaid

Repaid by the exit you agree with the lender: usually a sale or a refinance.

Good to know

The first-charge lender's consent is often needed.

Bridging first. Every kind of commercial finance next.

Starting with bridging. Built for all of commercial finance.

We've started where speed and certainty matter most. In bridging:

  • Auction purchases come with a 28-day deadline.
  • Deals die at valuation or in the legals, weeks after everyone thought they were safe.
  • Brokers send the same deal to 25 lenders, then wait.

Our engine sources your deal live against each lender's criteria, and your complete case surfaces problems on day one, not week three. That's where we're proving our model first.

The same brokerage, the same AI and the same no-broker-fee promise will then extend to development finance, commercial mortgages, asset finance, invoice finance and business loans. Start with us on a bridge, and we'll be there for every deal that follows.

How our brokerage works

You make one call. We make the rest.

  1. Step 1

    You make one call

    An experienced broker learns your deal in about an hour, while our engine sources it live and runs a soft credit search that won't affect your score. You leave with indicative terms from the lenders that fit, and you choose which ones we take it to.

  2. Step 2

    We work with the lenders

    We present your case to each lender you chose, answer their underwriters' questions and chase until each one comes back with a decision in principle (DIP). You don't have to call anyone.

  3. Step 3

    You choose, we submit

    Every DIP explained in plain English and compared on the total cost of the loan, not the headline rate, with the reasons for our recommendation recorded. Pick one, and we submit the full application on your behalf and handle it through to completion.

Where AI fits in

AI does the admin. People do the judgement.

AI does the admin

Gathering documents, checks, packaging, chasing and updates.

People do the judgement

Advice, structuring the deal and lender relationships. A human signs off every decision that matters.

Problems found on day one, not week three

If something comes up in the checks, we ask you straight away and the answer goes in your file before the lender sees it.

Why that matters

A lean team handles far more deals, which is why we don't charge a broker fee.

A traditional brokerage and Ledgerly

From first call to a decision in principle

A decision in principle (DIP) is a lender's first yes: it has looked at your application and will lend, subject to valuation and legal checks.

A traditional brokerage

  1. Meeting about your deal
  2. Multiple days working the deal and chasing you for documentsApplication submitted
  3. Lender reviews
  4. Declined, reworked and resubmitted
  5. Lender reviews againDIP returned

Ledgerly

  1. One-hour call, with a soft credit search and indicative termsApplication submitted, minutes after you instruct us
  2. Lender reviews, chosen because it's likely to acceptDIP returned
  3. The time you get back: no week of chasing, and no second round with a lender that was never going to say yes.

Illustrative and not to scale. A lender takes as long to review an application whoever sends it; what changes is when it goes in, and whether it has to go in twice.

  • A soft credit search on the call

    It won't affect your credit score, and it means we don't waste time with lenders that can't accept your deal.

  • Submitted straight after the call

    Your application is built while we talk, so it goes to lenders as soon as you instruct us. A traditional broker typically takes multiple days to get there.

  • Sent to lenders likely to say yes

    Our matching algorithm sends your deal to lenders whose criteria it fits, which saves a whole cycle of waiting on a lender, then resubmitting.

Fees and how we choose lenders

As a brokerage, we don't charge a broker fee. We're paid a commission by the lender when your loan completes. Lender fees, valuation and legal costs still apply.

Our proprietary sourcing algorithm and calculation engine search and compare every product across our lender panel, so you're lined up with the best deals for you from day one.

Lender choice is never based on what a lender pays us. Every recommendation is recorded with its reasons.

We never quietly trade a better rate for worse terms.

Read how our fees and lender choice work

From the blog

News from Ledgerly

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The people behind Ledgerly

Founders

Advisers

Questions

Are you a lender? Show

No, we're a brokerage. Lenders make all credit decisions.

How are you paid? Show

We're paid a commission by the lender when your loan completes.

Do I pay you? Show

We don't charge a broker fee. Lender fees, valuation and legal costs still apply.

Will the credit search affect my score? Show

No. We run a soft credit search on the call, which doesn't affect your credit score. It means we don't waste your time with lenders that can't accept your deal.

Who's doing my case? Show

An experienced broker, with AI doing the admin.

How do you use AI? Show

AI does the admin: gathering documents, checks, packaging, chasing and updates. People do the judgement: advice, structuring the deal and lender relationships. A human signs off every decision that matters.

Is my data shared? Show

Nothing goes to a lender until you say so. Your details stay anonymous to lenders until you proceed.

Who makes the lending decision? Show

The lender. We're a broker, not a lender.

What don't you do? Show

We don't arrange regulated mortgages on your own home.

Which areas do you cover? Show

The whole of the UK: England, Wales, Scotland and Northern Ireland. Each lender sets the areas it lends in, and our matching only sends your deal to lenders that cover your property's area.

Lend in bridging? Join the founding panel.

Deals matched to your exact criteria, every file complete, and no cost to join.

Join the founding panel What founding lenders get

Sign in

You're keen. We like that.

Sign-in opens at launch, for clients, brokers and lenders. Our founding lender panel is open now, and we launch once it's in. We'd love to have you with us from day one.

Ledgerly is the UK's first AI-native commercial finance brokerage. One call with an experienced broker gets you indicative terms before you hang up, with your full case built upfront and no broker fee.

Tell us about your deal