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 routing verdict
- Product: Bridging and short-term SME loans.
- Ticket band: £250k to £25m.
- Decision time: 5 to 15 business days.
- Pricing: From 0.69% per month.
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
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-05-08
Why we route here
- 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.
When we route elsewhere
- 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, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our Fiduciam decline runbook for sector-specific routing detail.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + 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.
Run the matcher
Tell us your turnover, sector and ticket size. We score against Fiduciam and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-05-08. By Oliver Mackman.