---
title: "A Revolving credit facility bridging loan"
description: "Revolving credit facilities can be structured as a longer-term bridging solution, where a property is used as security for an extended period, often up to five years, rather than being limited to a single, one-off bridging transaction."
url: "https://mortgagelane.com/guides/bridging-loans/a-revolving-credit-facility-bridging-loan"
site: "Mortgage Lane"
collection: "guides"
date: "2026-08-04"
author: "Written by an adviser at Mortgage Lane"
category: "Mortgage guide"
reviewed: "2026-10-08"
reading_time: "3 min"
byline: "Written by an adviser at Mortgage Lane"
author_credentials: "CeMAP · FCA authorised firm"
language: "en-GB"
robots: "index,follow"
---

# A Revolving credit facility bridging loan

Revolving credit facilities can be structured as a longer-term bridging solution, where a property is used as security for an extended period, often up to five years, rather than being limited to a single, one-off bridging transaction.

Revolving credit facilities can be structured as a longer-term bridging solution, where a property is used as security for an extended period, often up to five years, rather than being limited to a single, one-off bridging transaction.

[Bridging loan](https://mortgagelane.com/definitions?term=bridging-loan)

Bridging finance

A short-term loan secured against property or land to cover a funding gap until an agreed repayment event, such as a sale or refinance.

[Read the full definition of Bridging loan](https://mortgagelane.com/definitions?term=bridging-loan)

Back to overview

[Bridging Loans](https://mortgagelane.com/short-term-finance/bridging-loans)

Related definitions

[Revolving credit facility](https://mortgagelane.com/definitions#def-revolving-credit-facility)

·

[Bridging loan](https://mortgagelane.com/definitions#def-bridging-loan)

## A Revolving credit facility bridging loan

Revolving credit facilities can be structured as a longer-term bridging solution, where a property is used as security for an extended period, often up to five years, rather than being limited to a single, one-off bridging transaction. In this structure, the facility is underwritten upfront and secured against property, providing an agreed credit limit that can be drawn down, repaid, and reused repeatedly during the term. This allows borrowers to access bridging-style funding on demand, without the need to reapply for a new loan each time capital is required.

These facilities can be used in standard bridging scenarios, such as acquisitions, short-term refinancing, or business funding, but with the added advantage that once funds are repaid, they become available again. Because underwriting, valuation, and legal work are completed at the outset, the facility remains live for ongoing use, making it particularly attractive for active investors, portfolio landlords, and businesses that transact regularly. Revolving facilities can be secured against buy-to-let portfolios or commercial property, typically at up to 75% loan-to-value, subject to asset quality and lender criteria.

A key advantage is efficiency. Borrowers do not incur repeated valuation or legal costs for each transaction, and funds can be deployed immediately when opportunities arise. Interest is charged only on the amount drawn, not the full facility limit, which helps control costs while retaining access to substantial capital. This makes revolving bridging facilities especially suitable for low-geared landlords with significant equity who want to deploy capital dynamically rather than raising finance on a deal-by-deal basis.

In practice, revolving facilities are frequently used to support auction purchases and opportunistic acquisitions, where speed and certainty are critical. With funding already approved and secured, borrowers can bid confidently, complete quickly, and recycle capital as assets are sold or refinanced. By combining the flexibility of bridging finance with the durability of a multi-year structure, [revolving credit facilities](https://mortgagelane.com/mortgages/revolving-credit-mortgages) offer a strategic, reusable funding solution for investors and businesses that require fast access to capital over an extended period.

## Talk it through with an adviser

Speak to a Mortgage Lane adviser about your circumstances and the next steps.

Published: 2026-08-04

Last reviewed: 2026-10-08

Source: https://mortgagelane.com/guides/bridging-loans/a-revolving-credit-facility-bridging-loan