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Bridging Finance is a type of short-term, high-cost finance that is secured on assets such as property and is often used as a short-term solution with the intention of refinancing to an alternative lower-cost, long-term provider.
Typically, bridging loans are offered for periods of 1-18 months at 1.5% per month (18% pa). Most bridging loan companies have expensive early repayment charges if you want to redeem the loan early.
This type of funding has become increasingly popular and there are many P2P lenders that focus on bridging loans.
Peer to Peer business loans vary in structure and rates depending on the platform, so we’ll look at a typical rebuildingsociety.com business loan.
Our loans are offered for periods of 6-60 months, at rates from 6% to 20% per annum (0.5%-1.6% per month). We offer secured and unsecured loans* and support a variety of British businesses. Unique (as far as we know) to rebuildingsociety.com however, is that we reward borrowers for backing their own loans with meaningful security.
Where a borrower offers good security in support of their loan, we will offer them a starting rate discount on their loan, the better the security the better the starting rate. Typically, a C rated business with no security would have a starting rate of 20% p
| Bridging Loan | P2P Loan | |
| Loan Term | 1-18 months | 6-60 months |
| Repayment Terms | End of term | Monthly Capital and Interest |
| Interest Rates | 18% p.a | 6-20% p.a |
| Early Redemption Fee | Yes | No |
| Time to Raise Finance | 5-14 days | 7-20 days |
If you’d like to find out more about using rebuildingsociety.com as a cheaper bridging finance option, simply fill out our quick application process here and one of our team will give you a call or give us a call to discuss your options further.
It’s always interesting to connect with business people with an eye for opportunity. A few words with Doug from Afterthought…
Hi Doug, how would you describe your approach to business?
My background is primarily IT consulting. I spent about 18 years working in the US with small stints in Hong Kong. My jobs allowed me to travel extensively and I think that helped with some of the input on our gin and coffee flavours and designs. I’m fairly hands-on, making sure that standards and values are followed and have built a great team of around 35 people across all of the businesses that continue to make Afterthought a success.
You seem to have quite a range of businesses, from technology consultancy to coffee shops… what’s the thinking behind this?
We started out as and IT consulting firm and decided to diversify into other businesses, we spotted a coffee shop for sale and it’s been expanding ever since!
The Gin Story … how did that begin?
As for the gin, I started drinking it about 7 years ago and settled on Bombay Sapphire and orange juice. About 2 years ago I toured their distillery and thought to myself I can make this and add some flair to it.
What’s the market like for Gin these days? Seems to me it’s quite experimental, I’ve seen Sheffield Gin in a local wine bar. Are you looking to provide direct to drinkers, or to bars as well?
We are aiming for about 80% export markets as there are already quite a few local gins in the UK. So far we have created and released 4 gins including American, European and London dry gins.
Do you need a license to make Gin? What’s the score with the law?
So to get a license to make gin you have to have already made gin, kind of a catch 22. Luckily for us we worked with a distillery in Devon to create our recipes and first batches in order to get our own licenses which were recently granted.
What other horizontals are you exploring for the future?
We are moving our smallest coffee shop site to a much larger building that will also house the front of our gin distillery, this allows us to host a gin retail section, a gin school and evening events. Next year we are adding a much larger European style cafe which will incorporate our gin, coffee and soon to be added pizza business in a new Burgess Hill revitalization project.
Thank you Doug, all the very best, a toast to your ongoing success.
View the borrowing application here.
In industrial environment such as hospital and prisons, prisoners and patients need to be provided with nutritional meals. Prisoners need to be provided with five main options and sides and sweet options. Patients also need to be offered nutritional meal options.
Prior to presenting menu options to prisoners and patients, Athena our catering solution provides dietitians and catering staff with the ability to build model recipes and menus. Model recipes are defined in terms of their caloric, fats, proteins, vitamins, minerals, allergens, consumer acceptance, etc. There are some forty elements that need to be considered in the analysis, including special menus to meet dietary conditions, vegetarians, vegans, allergen free, etc.
Athena uniquely provides the facility to measure recipes and menus at the planning, preparation and serving stages.
The issue that Athena addresses is that as ingredient suppliers and ingredients change, cooking methods change in recipes, athena provides an accurate measure as to how production recipes and menus meet model recipes. Hence alerting staff if the recipe and menus do not meet standards.
Athena can also determine at production level which recipe from a range of recipes meets the model recipes.
Menus are presented to patients and prisoners with complete nutritional and allergen details so informed decisions can be met.
Meals in prisons are normally selected by prisoners two weeks in advance providing time for ordering and preparation. In a hospital same day selection, preparation and service occurs.
Athena uniquely provides several options for obtaining meal selections from prisoners and patients: paper and scan menus, tablet computers, smart phones (Bring Your Own Device), computers on wards.
Once the menu numbers have been collated: meals are prepared, purchasing takes place, inventory pick and pack lists prepared, meal severed, receipting good in, etc.
Athena provides a consolidated system that meets the needs of the whole catering process. From inventory control, recipe maintenance, menu planning, meals selection, meal preparation, serving meals, health and safety, cost control and purchasing. Athena provides a ful range of management reports and financial operational reports to monitor the catering operation.
The real beauty of the system is that it can be implemented in Schools, Colleges, Hospitals, Care Homes, Prisons, etc. it is a system which is highly functional, but can be adapted to any environment. The system architecture has been designed to meet individual client’s needs.
The solution provided by Athena can also be extended to schools and colleges, home cares and chains of restaurants. Visit our lending application here: