Lender review · Bridging finance
Glenhawk
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 10934845
- Methodology Public
Specialist bridging desk founded by Guy Harrington, covering residential, refurb and commercial bridging across England and Wales. Strong technology layer and in-house underwriting keep turnaround quick for clean cases. Broker-distributed but accepts direct enquiry.
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 finance
- Ticket size
- £300k to £10m
- Typical rate
- From 0.69% per month
- Decision time
- 3 to 10 business days
- Soft search at quote
- No
- Limited companies only
- No
- FCA regulated
- Yes (check the FCA Register)
- Companies House
- 10934845
- Founded
- 2017
Scores against our methodology
- Rate transparency4/5
- Eligibility clarity4/5
- Decision speed4/5
- Decline handling4/5
How Glenhawk works
Glenhawk operates as a bridging finance provider in the UK SMB market. Specialist bridging desk founded by Guy Harrington, covering residential, refurb and commercial bridging across England and Wales. Strong technology layer and in-house underwriting keep turnaround quick for clean cases. Broker-distributed but accepts direct enquiry.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £300k to £10m band, decisions land within 3 to 10 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. Glenhawk is FCA regulated.
Where Glenhawk fits best: residential bridging £500k to £5m, light to heavy refurb, auction completions. Where it does not fit: sub-£300k tickets, ground-up development, £10m+ tickets.
Pricing examples
Worked examples using Glenhawk'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 Glenhawk 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-£300k tickets; Ground-up development; £10m+ tickets.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: Residential bridging £500k to £5m; Light to heavy refurb; Auction completions.
Pros
- + Tech-enabled underwriting cuts decision time on clean cases.
- + FCA-regulated for the regulated bridging book.
- + Strong Trustpilot footprint for a specialist bridger.
- + Will look at heavy refurb and unregulated commercial.
Cons
- − Sub-£300k tickets routed elsewhere.
- − Per-month rate; total cost depends on exit timing.
- − Less competitive on £5m+ tickets versus larger desks.
Best for
- · Residential bridging £500k to £5m
- · Light to heavy refurb
- · Auction completions
Weak at
- · Sub-£300k tickets
- · Ground-up development
- · £10m+ tickets
When to use Glenhawk
Use Glenhawk when
Your application matches the best-fit profile: residential bridging £500k to £5m, light to heavy refurb, auction completions. The published ticket range (£300k to £10m) covers your ask, the decision speed (3 to 10 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 Glenhawk when
Your profile sits in the weak-at list: sub-£300k tickets, ground-up development, £10m+ tickets. Glenhawk 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 Glenhawk as a screen.
FAQs
What is the minimum trading time for Glenhawk?
Glenhawk 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 Glenhawk require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Glenhawk 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 finance specifically, expect a PG to be requested.
How fast does Glenhawk fund?
Glenhawk quotes 3 to 10 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 Glenhawk?
Glenhawk'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 Glenhawk declines me?
If Glenhawk 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. Glenhawk scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via glenhawk.com, or use our free quote form to be matched across the UK broker panel most likely to approve your specific profile, not just Glenhawk.
Specialty alternatives
- · Hope Capital, Liverpool-based principal lender writing residential, semi-commercial and commercial bridging across England, Wales and ...
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: glenhawk.com.