Fiduciam

About Fiduciam

Fiduciam occupies a genuinely distinctive position in the UK lending market: it is an institutionally funded, pension-fund-owned marketplace lender that operates across the UK and multiple European jurisdictions. While most bridging lenders are domestically focused, Fiduciam has dedicated teams covering the UK, Ireland, Netherlands, Germany and Spain, with lending capacity in France, Switzerland, Belgium, Luxembourg, Sweden, Denmark, Monaco and UK dependencies. For UK borrowers with European assets or cross-border corporate structures, Fiduciam is one of very few lenders that can handle the complexity.

The business was built on a conviction that SMEs and entrepreneurs — particularly smaller housebuilders and property developers — deserved better access to capital than traditional banks were providing. Fiduciam applies technology to make the process faster and more transparent, with pre-defined pricing matrices that let borrowers know their terms before committing to an application — no auction process, no last-minute repricing.

Fiduciam currently lends around £200 million per year, across sectors including real estate, financial services, manufacturing, agri-food, hospitality and healthcare. The breadth of sectors is unusual for a bridging lender, reflecting the business lending capability that sits alongside their property finance book.

Bridging Loans from Fiduciam

Fiduciam lends from £1 million to £25 million for terms of up to 36 months, with LTVs up to 70%. Rates from 0.87% per month. No early redemption fee after the first half of the term. The team takes a relationship-led approach and works closely with borrowers to genuinely understand their business rather than just the security.

What Can Fiduciam Finance?

• Residential and commercial bridging across the UK
• Cross-border bridging with European asset security
• Property development and refurbishment finance
• Commercial property — including offices, hotels and care homes
• Agricultural and rural property
• Business and trade loans secured on property

How to Apply with Fiduciam

Fiduciam works with commercial finance brokers and directly with SME borrowers. The pre-defined pricing matrix means initial terms can be established quickly. Cases involving cross-border security or complex corporate structures are a particular strength — the team has managed five-jurisdiction transactions and is experienced in navigating multi-country legal requirements.