Certain Bridge Limited

Gary Hall is a bit of a live wire. As a boy, he was a maths whizz - a working class lad whose parents invested in getting him the best education they could. Grown up and already with an impressive CV in property finance, he took the growth of alternative lending as a clarion call to join up with his co-founder and start Certain Bridge and offer their clients something the big banks can't - fast finance. Gary Hall kicked off in commercial real estate finance and was headhunted into high volume retail finance - where he noted that if you could finance things more quickly than another firm, speed was a major competitive advantage. That's something he's made a founding principle of Certain Bridge , the alternative lender he set up with his codirector in early 2018. Certain Bridge provide bridging finance - short term mortgage loans intended to help property developers, property investors and Business entrepreneurs, snap up deals quickly, or navigate a tricky period wi...

Why the Big Banks are losing their share of the lending market The global credit crisis in 2007-8 caused problems for everyone. But lending to smaller and mid-size companies was particularly badly affected. Many banks practically shut up shop completely. And while major economies eventually shrugged off the legacy of the crisis - even Greece, then in terrible straits, has recently issued a government bond with a negative interest rate! - SME lending never really came back from the dead. The Big Banks perceived the risk of lending to SMEs as being relatively high, and the rewards, in a low interest rate environment, were not. That left SMEs starved of funds for growth. It's easy to blame SME funding problems simply on the credit crunch and a decade of close to zero interest rates. But in fact, something else is happening, too; the big banks are losing their share of the SME lending market to upstarts such as challenger bank Shawbrook or peer-to-peer lender Funding Circle. ...

Gary Hall Certain Bridge’s Top Team of 4 highly industry experienced personnel have a combined multi decades expertise in Corporate Business, Property, and Finance.; Gary Hall, One of the 4 Team members has 21 years’ experience in the Property Finance Sector with in excess of 10 years in providing highly specialised Secured Bridging Finance for Businesses where such funds are urgently required for their various business purposes

Gary Hall Certain Bridge’s Top Team of 4 highly industry experienced personnel have a combined multi decades expertise in Corporate Business, Property, and Finance.; Gary Hall, One of the 4 Team members has 21 years’ experience in the Property Finance Sector with in excess of 10 years in providing highly specialised Secured Bridging Finance for Businesses where such funds are urgently required for their various business purposes

Certain Bridge Ltd is a UK company that specialises in a niche market of rapidly providing bespoke Mortgage Secured Bridging Loans to Businesses. There is no upfront cost to a Business Bridge Borrower. The Company is one of only a very few who charge no upfront Fees whatsoever and can move so fast from initial application to pay-out, sometimes within as little as only 24 hours. Gary Hall   Certain Bridge Ltd applies very strict Secured lending criteria and ratios when assessing a Secured Bridge Loan Application.   Typical Loan to Value (LTV) ratios for the overwhelming majority of loans are between 50% and 65% of the value of the property(s) used for the Security for the Bridge Loan and the final arbiter of the value is Certain Bridge’s in-house Surveyor. Business Bridge loans are normally only for six months, but can start at three months with one monthly increments up to an absolute maximum 12 months. This provides for every Bridge Borrowers borrowing requirement...

Gary Hall Certain Bridge’s Top Team of 4 highly industry experienced personnel have a combined multi decades expertise in Corporate Business, Property, and Finance.; Gary Hall, One of the 4 Team members has 21 years’ experience in the Property Finance Sector with in excess of 10 years in providing highly specialised Secured Bridging Finance for Businesses where such funds are urgently required for their various business purposes