4syte

About 4syte

4syte was founded in 2016 with a deliberately broader mission than most bridging lenders: to become the go-to place for SME finance across multiple products and use cases. The name references five pillars — invoice finance, construction finance, asset-based lending, trade finance and secured lending — and the group now offers all of these through separate operating entities under the 4syte umbrella. Bridging and secured finance is delivered through 4syte Secured Finance, based in London near Chancery Lane.

The co-founders brought complementary backgrounds to the venture: one from investment banking and specialist financial markets fundraising, the other from commercial and international lending banking before becoming Managing Director of independent invoice finance businesses. That dual perspective — capital markets on one side, SME lending operations on the other — shapes a business that can be genuinely creative in structuring finance for clients whose needs don't fit standard lender templates.

The bridging proposition is deliberately SME-focused and notably inclusive in its credit appetite. 4syte Secured Finance lends to start-ups as well as established businesses, assessing applications on the borrower's story and exit strategy rather than trading history or financial records. That philosophy earned the business the SME Funding Awards Secured and Bridging Loan Lender of the Year 2021, with judges citing the common-sense underwriting approach and quality of client communication as standout factors.

Bridging Loans from 4syte

4syte Secured Finance lends from £26,000 to £500,000 on bridging, with terms from 1 to 12 months. Rates are priced per case — contact the team for indicative terms. Secured against residential or commercial property. Open to all business sectors including start-ups. No monthly repayments with a bullet payment at term end. Early repayment options available.

What Can 4syte Finance?

• Business bridging — property-backed funding for any lawful business purpose
• Start-up and early-stage business finance
• Commercial and residential property security
• Short-term cashflow bridging pending longer-term finance
• Invoice finance, construction finance and trade finance (via group entities)

How to Apply with 4syte

4syte works through commercial finance brokers and directly with businesses. Enquiries go to [email protected] or by phone on 01245 377032. The London office is at 27 Furnival Street, Chancery Lane EC4A. The group also maintains offices in Essex and Yorkshire.