Lender review · Bridging and short-term SME loans
Fiduciam
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 09515634
- Methodology Public
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.
Director, BestBusinessLoans
Oliver leads BestBusinessLoans's editorial reviews and methodology. With a background in UK commercial finance, he oversees lender research, rate verification and review independence.
Last reviewed: 8 May 2026
At a glance
- Product
- Bridging and short-term SME loans
- Ticket size
- £250k to £25m
- Typical rate
- From 0.69% per month
- Decision time
- 5 to 15 business days
- Soft search at quote
- No
- Limited companies only
- No
- FCA regulated
- No
- Companies House
- 09515634
- Founded
- 2015
Scores against our methodology
- Rate transparency4/5
- Eligibility clarity4/5
- Decision speed3/5
- Decline handling4/5
How Fiduciam works
Fiduciam operates as a bridging and short-term sme loans provider in the UK SMB market. 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.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £250k to £25m band, decisions land within 5 to 15 business days, and the published rate range is From 0.69% per month. A hard search may apply at quote stage; ask before you submit if credit-file footprint matters to you. Like most UK lenders to limited companies, the standard SMB lending sits outside the FCA perimeter.
Where Fiduciam fits best: cross-border sme bridging, mixed-use and commercial property, £500k to £10m tickets. Where it does not fit: sub-£250k tickets, same-day completion needs, pure consumer bridging.
Pricing examples
Worked examples using Fiduciam's published rate range (From 0.69% per month). Simple-interest approximation, mid-band rate. Real offers will differ and should be confirmed on the lender quote.
| Ticket | Term | Estimated total cost | Approx monthly |
|---|---|---|---|
| £25,000 | 24 months | £29,140 | £1,214 |
| £50,000 | 36 months | £62,420 | £1,734 |
| £100,000 | 48 months | £133,120 | £2,773 |
Indicative only. Confirm on a Fiduciam quote.
Eligibility
- Trading time: typically 12 to 24 months minimum for the cleanest pricing.
- Turnover floor: not always published. As a working figure, expect a £100k+ turnover requirement for term loans of £50k+. Smaller tickets and MCA structures have lower floors.
- Sector exclusions: Sub-£250k tickets; Same-day completion needs; Pure consumer bridging.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: Cross-border SME bridging; Mixed-use and commercial property; £500k to £10m tickets.
Pros
- + 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.
Cons
- − Slower than pure bridging desks for clean cases.
- − Below £250k tickets not entertained.
- − Pricing requires a real conversation, not a rate sheet.
Best for
- · Cross-border SME bridging
- · Mixed-use and commercial property
- · £500k to £10m tickets
Weak at
- · Sub-£250k tickets
- · Same-day completion needs
- · Pure consumer bridging
When to use Fiduciam
Use Fiduciam when
Your application matches the best-fit profile: cross-border sme bridging, mixed-use and commercial property, £500k to £10m tickets. The published ticket range (£250k to £25m) covers your ask, the decision speed (5 to 15 business days) fits your cash-gap timeline, and the rate range (From 0.69% per month) is acceptable to you given your credit profile.
Do not use Fiduciam when
Your profile sits in the weak-at list: sub-£250k tickets, same-day completion needs, pure consumer bridging. Fiduciam will likely decline, and the decline itself can sit on broker records for 90 days. If you have any of these flags, route directly to a specialist (post-decline lender, MCA against card flow, asset-backed alternative) rather than using Fiduciam as a screen.
FAQs
What is the minimum trading time for Fiduciam?
Fiduciam typically asks for 12 to 24 months of trading. Newer businesses can sometimes qualify against alternative underwriting (card flow for MCA, asset security for asset finance), but the cleanest pricing tends to require two full sets of accounts.
Does Fiduciam require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Fiduciam is no exception in the standard case. The few exceptions: asset-backed lending where the asset itself stands as security, and a small number of MCA structures where card flow is the underwriting basis. For bridging and short-term sme loans specifically, expect a PG to be requested.
How fast does Fiduciam fund?
Fiduciam quotes 5 to 15 business days for an underwriting decision. Funding to bank account typically follows within one to three working days of acceptance, subject to KYC, signed documents, and (where applicable) registration of any debenture or charge.
What rate should I expect from Fiduciam?
Fiduciam's published range is From 0.69% per month. The headline number is rarely the offered number. Rate transparency on this lender scores 4/5 in our methodology. Expect the cleaner end of the band only if you have 2+ years of trading, clean credit, and turnover comfortably above the lender's stated floor.
What happens if Fiduciam declines me?
If Fiduciam declines, you have three realistic next steps. First, ask for the decline reason in writing, most reputable UK lenders will tell you. Second, route the application to a specialist post-decline lender (Bizcap, JPM Capital, Bolton Finance) where credit issues are the constraint, or to an asset-backed alternative where security is available. Third, use a broker panel to fan the application across the lenders most likely to accept your specific decline reason. Fiduciam scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via www.fiduciam.co.uk, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Fiduciam.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.fiduciam.co.uk.