West One Loans
One of the largest privately funded UK bridging lenders, trading since 2005, covering residential, commercial and semi-commercial bridging plus development finance up to around 75% LTV. It suits Ltd companies needing a property purchase, refurbishment or a short funding gap ahead of a sale or refinance, where the security is the deal rather than the trading history.
Quick verdict
- Product: Bridging finance.
- Ticket band: £75k to £30m.
- Pricing: From 0.75% per month.
At a glance
West One Loans, at a glance
- Legal entity
- West One Loan Limited
- Companies House
- 05385677
- Founded
- 2005
- Product
- Bridging finance
- Ticket range
- £75k to £30m
- Decision time
- Days once security and valuation are in place
- Ltd-only
- No, the lender also accepts other structures
Where West One Loans is strong
- Wide ticket range (£75k to £30m) covers everything from a small commercial bridge to a large development.
- Publishes its own bi-monthly West One Bridging Index, a genuine market-transparency signal few bridging lenders offer.
- Comfortable with commercial and semi-commercial security, not residential-only.
Watch-outs, and when another lender may suit better
- Bridging is secured, short-term and rate-sensitive; not a fit for unsecured working-capital needs.
- A 1 to 24 month term means an exit plan (sale or refinance) has to be real and documented, not assumed.
- Not a post-decline route for businesses without qualifying property security.
Best fit applicants
- Ltd companies needing short-term secured finance against commercial or semi-commercial property
- Property purchase, refurbishment or a funding gap ahead of a sale or refinance
Where West One Loans is the wrong fit
- Unsecured borrowing, no property to charge
- Anyone needing funds faster than a valuation and legal work allow
If declined by West One Loans
If your application to West One Loans is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate West One Loans
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through West One Loans?
West One Loans offers bridging finance. Ticket range: £75k to £30m. Typical rate: From 0.75% per month.
How long does West One Loans take to decide?
Days once security and valuation are in place
Who is West One Loans the best fit for?
First on the list: Ltd companies needing short-term secured finance against commercial or semi-commercial property. The full list is under Best fit applicants above.
When might another lender suit better than West One Loans?
First on the list: Unsecured borrowing, no property to charge. The other cases are under Where West One Loans is the wrong fit above.
Send an enquiry
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Send an enquiry →Official site: West One Loans
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.