Equitable Charge Bridging | Fast Funding for Complex Ownership Structures
Traditional lending requirements do not fit every opportunity in property and business finance. Equitable charge bridging loans provide a smart, secure option when clients need quick access to capital but don't have full legal ownership.
Tapton Capital provides fast, flexible bridging loans to investors, landlords, and developers who need short-term funding without full title control.
What Is an Equitable Charge Bridging Loan?
An Equitable Charge bridging loan is a type of secured short-term loan where an equitable charge is taken over a property rather than a legal charge.
Borrowing is allowed even when:
- Borrowers do not own the property outright.
- Title transfer is still in progress.
- Legal control is held by a co-owner, trust, or company.
- Other lenders or parties still need to consent.
Equity charges allow lenders to recover funds from the property's equity without having to register the property at the Land Registry, enabling deals to proceed faster.
How an Equitable Charge Works
A legal charge makes the lender the first chargeholder on the title to the property.
Equitable charges ensure protection and enforceability by binding both parties to a legal agreement securing a financial interest.
This means:
- Control and ownership remain yours.
- From property proceeds, the lender is entitled to repayment.
- There is no need to wait for title updates or third-party approvals for funding.
Bridging deals and complex ownership structures are ideal for it.
When to Use an Equitable Charge Bridging Loan
Tapton Capital's equity charge solutions are perfect for:
Title Transfer in Progress
When purchasing or refinancing a property, legal title isn't ready in time.
Corporate Lending
Funding or lending between related companies is necessary.
Trust or SPV Borrowers
A trust or an SPV (Special Purpose Vehicle) is acting as the borrower.
Multiple Ownership
Legal charges are difficult to register when there are multiple owners or joint ventures.
Second or Mezzanine Position
Behind an existing lender, a second or mezzanine position is required.
Each facility is secured, compliant, and fast, without compromising security.
Benefits of Tapton Capital's Equitable Charge Bridging Loans
1. Faster Completion
Our ability to release funds faster is due to the absence of Land Registry registration requirements before drawdown, which often takes 5–7 working days.
2. Flexibility for Complex Structures
Including corporate borrowers, trusts, and multi-party ownership, we lend where banks hesitate.
3. Secure Yet Accessible
Legally enforceable equitable charges give lenders clear recourse, ensuring both parties' security.
4. Suitable for Short-Term or Interim Needs
Ideal for bridging gaps, refinancing, or funding before title updates are complete.
5. Expert Structuring & Transparency
From start to finish, our legal and finance teams ensure every deal is fully documented, compliant, and transparent.
Why Choose Tapton Capital for Equitable Charge Lending?
Tapton Capital specialises in structured and non-standard lending. By combining private lender agility with institutional discipline, we are able to provide funding that other lenders are not able to provide.
| Feature | Traditional Banks | Tapton Capital |
|---|---|---|
| Decision Speed | Weeks or months | Within 72 hours |
| Lending Criteria | Rigid and restrictive | Flexible, case-by-case |
| Ownership Requirements | Full legal title | Equitable interest accepted |
| Communication | Slow and generic | Direct with experts |
| Completion Time | 4–6 weeks | 5–10 working days |
Our funding solutions are tailored to fit your project timeline and exit strategy, which we review individually.
Equitable Charge Bridging Loans are Available to:
- Property developers and investors
- SPVs and limited companies
- Landlords and portfolio owners
- Trusts and joint-venture partners
- High-net-worth individuals seeking short-term leverage
Tapton Capital offers tailored financing for purchases, refinances, and equity releases.
Conclusion
Tapton Capital's Equitable Charge Bridging Loan makes the impossible possible when traditional lenders say "no".
Unlike banks, we provide funding for time-sensitive projects with speed, flexibility, and legal precision.
With Tapton Capital, investors, developers, and businesses can access fast, intelligent bridging solutions.
With confidence, Tapton Capital bridges opportunity.
Get Equitable Charge QuoteFrequently Asked Questions
During a period when the legal title cannot yet be registered, an equitable charge secures the loan for a short period of time.
During the period in which the property title transfer or ownership is not complete, or if another lender needs to grant consent.
Yes. It's a legally binding agreement that gives the lender recourse to the property's equity.
Yes. A full legal charge can be created once ownership formalities are completed.
Documentation and legal readiness usually take 5–10 working days.