Lender review · Bridging and short-term commercial property finance
Ortus Secured Finance
- Reviewed May 2026
- Editor Oliver Mackman
- Companies House 08302793
- Methodology Public
Wigmore Street bridging desk covering residential, semi-commercial and commercial property across England, Wales, Scotland and Northern Ireland. Notable for genuine all-UK reach (most bridgers stop at the English border) and a willingness to underwrite trading-business security. Broker-distributed.
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 commercial property finance
- Ticket size
- £150k to £5m
- Typical rate
- From 0.79% per month
- Decision time
- 3 to 10 business days
- Soft search at quote
- No
- Limited companies only
- No
- FCA regulated
- No
- Companies House
- 08302793
- Founded
- 2012
Scores against our methodology
- Rate transparency4/5
- Eligibility clarity4/5
- Decision speed4/5
- Decline handling4/5
How Ortus Secured Finance works
Ortus Secured Finance operates as a bridging and short-term commercial property finance provider in the UK SMB market. Wigmore Street bridging desk covering residential, semi-commercial and commercial property across England, Wales, Scotland and Northern Ireland. Notable for genuine all-UK reach (most bridgers stop at the English border) and a willingness to underwrite trading-business security. Broker-distributed.
The product mechanic is straightforward in shape but the underwriting is sector-specific. Tickets sit in the £150k to £5m band, decisions land within 3 to 10 business days, and the published rate range is From 0.79% 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 Ortus Secured Finance fits best: scottish and ni bridging, semi-commercial and commercial property, £300k to £3m tickets. Where it does not fit: sub-£150k tickets, ground-up development, self-serve consumer journey.
Pricing examples
Worked examples using Ortus Secured Finance's published rate range (From 0.79% 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 | £29,740 | £1,239 |
| £50,000 | 36 months | £64,220 | £1,784 |
| £100,000 | 48 months | £137,920 | £2,873 |
Indicative only. Confirm on a Ortus Secured Finance 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-£150k tickets; Ground-up development; Self-serve consumer journey.
- Credit profile: Clean credit preferred; older satisfied items often acceptable.
- Company structure: Limited companies and (in some cases) sole traders / partnerships.
- Best fit: Scottish and NI bridging; Semi-commercial and commercial property; £300k to £3m tickets.
Pros
- + Lends across all four UK nations, including Northern Ireland.
- + Commercial and trading-business security accepted.
- + Direct underwriter access on live cases.
- + Strong Trustpilot scores for category.
Cons
- − Broker-distributed; direct applicants routed.
- − Per-month rate quoting; total cost depends on exit.
- − Below £150k tickets not entertained.
Best for
- · Scottish and NI bridging
- · Semi-commercial and commercial property
- · £300k to £3m tickets
Weak at
- · Sub-£150k tickets
- · Ground-up development
- · Self-serve consumer journey
When to use Ortus Secured Finance
Use Ortus Secured Finance when
Your application matches the best-fit profile: scottish and ni bridging, semi-commercial and commercial property, £300k to £3m tickets. The published ticket range (£150k to £5m) covers your ask, the decision speed (3 to 10 business days) fits your cash-gap timeline, and the rate range (From 0.79% per month) is acceptable to you given your credit profile.
Do not use Ortus Secured Finance when
Your profile sits in the weak-at list: sub-£150k tickets, ground-up development, self-serve consumer journey. Ortus Secured Finance 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 Ortus Secured Finance as a screen.
FAQs
What is the minimum trading time for Ortus Secured Finance?
Ortus Secured Finance 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 Ortus Secured Finance require a personal guarantee?
Most UK SMB lenders require a personal guarantee from at least one director. Ortus Secured Finance 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 commercial property finance specifically, expect a PG to be requested.
How fast does Ortus Secured Finance fund?
Ortus Secured Finance 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 Ortus Secured Finance?
Ortus Secured Finance's published range is From 0.79% 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 Ortus Secured Finance declines me?
If Ortus Secured Finance 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. Ortus Secured Finance scores 4/5 on decline handling in our methodology.
Where to apply
Apply directly via www.ortussf.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 Ortus Secured Finance.
Specialty alternatives
See all lender reviews for alternatives.
Reviewed by Oliver Mackman, Director. Last reviewed: 8 May 2026. Lender website: www.ortussf.co.uk.