EAL Lending Solutions provides business loans and bridging finance to UK SMEs and property professionals. We make decisions based on your business — and we’re transparent at every step.
You speak to an experienced underwriter, not a chatbot. We take time to understand your business.
We look at your trading reality — not just credit scores. If there's a strong case, we want to hear it.
Transparent pricing, no arrangement fee ambiguity, and a straightforward offer letter you can actually understand.
We focus on two lending markets and know them deeply. That means you get an underwriter who genuinely understands your situation — not a generalist working from a tick-box system.
Short-term secured lending against property or assets. Ideal for auction purchases, chain breaks, refurbishment, or any time-critical transaction where mainstream lenders simply can’t move fast enough.
No endless back-and-forth. Our process is designed to be clear and efficient, with a real person guiding you at each stage.
Fill in a short form or call us directly. Tell us about your business and what you’re looking to achieve.
A member of our credit team calls you to understand your situation properly. No call centres — just a straightforward conversation.
We come back with a clear indicative offer. All terms, rates and fees explained in plain language — no small print surprises.
Once documents are signed and satisfied, funds are transferred. Your relationship manager keeps you informed every step of the way
We’re not a faceless platform. When you enquire with EAL, you’re dealing with people who have real lending experience and a genuine interest in helping your business succeed.
We acknowledge every enquiry and follow up with a call from our credit team within one business day.
No chasing for documents we don't need. We give you a clear, specific list upfront so the process moves smoothly.
Enquiring does not leave a footprint on your credit file. A hard search only takes place if you choose to proceed.
If your application isn't something we can support right now, we'll tell you clearly why — and where else you might look.
Complete the form and a member of our team will be in touch within one business day. No commitment required.
We don’t require a perfect credit history. If your business has genuine trading activity and a clear purpose for the funding, we want to hear from you.
Contractors, builders and tradespeople needing working capital to take on larger contracts or manage cash between project payments.
Shops, restaurants and hospitality businesses looking to expand, refurbish, or bridge a seasonal cashflow gap.
Developers and investors requiring bridge finance for auction purchases, refurbishment projects or chain-break situations.
Fleet operators and logistics businesses seeking capital to grow capacity, purchase vehicles or manage fuel and supplier costs
Dentists, clinics, accountants and consultancies with steady revenue needing growth capital not readily available from their bank.
If you’ve been trading for 12 months or more and have a genuine funding need, speak to us. We assess each case on its own merits.
If your question isn’t here, call or email us — you’ll speak to a real person who knows lending.
No. At the enquiry stage we only perform a soft credit check, which leaves no footprint on your credit file. A hard search is only carried out if you choose to proceed with a full application after receiving your indicative offer.
A personal guarantee means that if the business cannot repay the loan, you as a director accept personal liability. It’s a standard requirement for unsecured SME lending — most business loans outside of banks require one. We’ll explain the terms clearly before you commit to anything.
Typically we require 6–12 months of business bank statements, recent filed accounts or management accounts, and proof of identity for all directors. For bridge lending we’ll also need details of the security property and your exit strategy. We’ll give you a precise list once we’ve had an initial conversation.
Bridging loans are secured against property or other tangible assets. We consider first and second charges on residential, commercial, and semi-commercial properties. The asset value and a credible exit strategy are the primary drivers of our lending decision.
We assess each application individually. While significant adverse credit history may affect terms, a strong trading performance and cashflow carry real weight with our underwriters. If you’ve had credit issues in the past, speak to us — we’d rather have a conversation than simply decline automatically.
