Fiduciam
London specialist offering bridging and short-term SME loans across the UK and several European jurisdictions. Sits between fast bridging desks and mainstream challenger banks: more underwriting depth than the former, more speed than the latter. Strong on cross-border deals where most UK lenders decline.
Quick verdict
- Product: Bridging and short-term SME loans.
- Ticket band: £250k to £25m.
- Pricing: From 0.69% per month.
At a glance
Fiduciam, at a glance
- Legal entity
- Fiduciam Ltd
- Companies House
- 09515634
- Founded
- 2015
- Product
- Bridging and short-term SME loans
- Ticket range
- £250k to £25m
- Decision time
- 5 to 15 business days
- Ltd-only
- No, the lender also accepts other structures
Where Fiduciam is strong
- Genuine cross-border capability across UK, Ireland, NL, ES and DE.
- Will lend on commercial property, mixed-use and trading businesses.
- Mid-ticket sweet spot well covered.
- Direct underwriting team, broker or direct intake.
Watch-outs, and when another lender may suit better
- Slower than pure bridging desks for clean cases.
- Below £250k tickets not entertained.
- Pricing requires a real conversation, not a rate sheet.
Best fit applicants
- Cross-border SME bridging
- Mixed-use and commercial property
- £500k to £10m tickets
Where Fiduciam is the wrong fit
- Sub-£250k tickets
- Same-day completion needs
- Pure consumer bridging
If declined by Fiduciam
If your application to Fiduciam is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our guide to why lenders decline, by reason.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate Fiduciam
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through Fiduciam?
Fiduciam offers bridging and short-term sme loans. Ticket range: £250k to £25m. Typical rate: From 0.69% per month.
How long does Fiduciam take to decide?
5 to 15 business days
Who is Fiduciam the best fit for?
First on the list: Cross-border SME bridging. The full list is under Best fit applicants above.
When might another lender suit better than Fiduciam?
First on the list: Sub-£250k tickets. The other cases are under Where Fiduciam is the wrong fit above.
Send an enquiry
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Send an enquiry →Official site: Fiduciam
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.