Funding 365

About Funding 365

Funding 365 was established in 2013 by Mike Strange, Jeff Stolz and Mike Jinn with one clear objective: to deliver affordable short-term property finance with no delays, complications or hidden costs. The founding team came from investment banks — Goldman Sachs and Barclays Capital — where they had spent years on the institutional side of mortgage lending, watching the borrower experience from the other side of the fence. What they saw convinced them there was a better way to do it.

More than a decade later, Funding 365 has achieved something rare in the specialist lending market: 100% five-star ratings on both Google and Trustpilot, across a substantial volume of transactions. That isn't achieved through marketing — it's achieved through a model built around mandated underwriters who manage each case from initial enquiry to completion, with no hand-off and no handover. The borrower deals with the same person throughout.

Two practices set Funding 365 apart from almost every other bridging lender: they reject ERCs (early repayment charges) entirely, and they rebate interest on a daily basis for loans repaid early. If you complete ahead of schedule, you pay only for the time you used. That matters significantly on refurbishment and development projects where exit timing is uncertain.

Bridging Loans from Funding 365

Funding 365 lends from £100,000 to £5 million, with terms up to 18 months and LTVs up to 75%. Rates start from 0.64% per month flat (or 0.39% per month stepped for the first 6 months on residential bridging) — among the lowest in the specialist market. All loans are unregulated first charge across England, Wales and Northern Ireland. The team aims to provide credit-backed terms within one hour of an initial enquiry.

What Can Funding 365 Finance?

• Residential bridging — purchase, refinance and capital raise
• Commercial and semi-commercial property
• Light refurbishment (up to 2 drawdowns)
• Heavy refurbishment, conversions and PDR schemes
• Development exit and finish-and-exit finance
• Specialist buy-to-let mid-term mortgages

How to Apply with Funding 365

Funding 365 works through commercial finance brokers and directly with borrowers. Their Paris Garden, London office manages a national book across England, Wales and Northern Ireland. Full, transparent product guides are available on their website. Given the underwriter-led model, borrowers can expect clear, consistent communication throughout — and a team that genuinely wants to find a way to say yes.