Somo believe bridging shouldn’t be difficult. That’s why we’ve built our entire business around one simple mission: making life easier for brokers. In a world where traditional lending is often slow, rigid and full of red tape and paperwork, we do things differently. Somo exists to say “Yes” where others say “No”.

It’s our mission to change the way people see bridging - not as a last resort, but as a smart, flexible solution for all kinds of borrowers, from landlords to business owners, from seasoned property professionals to first-time investors, those with a clean credit history to those with less than perfect credit, we’ll look to lend. We’re on a mission to make finding the right bridging loan as normal as applying for a loan from a high street bank, but much, much easier.

Whether it’s a first, second, third or equitable charge loan, business borrowing or borrowing with bad credit, we’re set up to say yes - fast. We lend for any business purpose, from expansion to investment to asset purchases, tax bills, wage bills and stock bills, funding a management buyout to refurbishing a property - we even have specialist products to provide breathing space to get a business back on track or repair credit. Somo understands that real, successful businesses don’t always tick every box.
You’ll be supported by a dedicated Relationship Director and Case Manager who knows your region and your market because at Somo we’re committed to building relationships that last, not just deals that close. Find your local BDM here.

Our Products

Standard Bridging Loan
Market leading rates and fast, flexible bridging for every type of property deal including auctions, purchases, refinancing and rebridges.

SOMO Secured Business Loan
We looked at the marketplace and found a better way to borrow. Somo Secured Business Loans give brokers a smart alternative to both traditional bank lending with its red tape and hurdles and expensive revenue-based finance.

Landlord's Breathing Space
Our Landlord’s Breathing Space Loan is designed to relieve pressure and restore control. By providing instant liquidity and up to 24 months with no monthly payments, it gives landlords the time and flexibility they need to stabilise finances, improve assets and plan their next move without being forced into a sale or distressed refinance.

Valuation Only™
Our famous Valuation Only™ product is based solely on the value of the asset, not the borrower’s profile.

Lifeline Loan
Our Lifeline Loan is built for borrowers with defaulted debt, insolvency, or facing bankruptcy. We’ll work with you and your clients to help refinance their debt and give them the extra money or time and space to turn the situation around.

Below Market Purchase
Designed to help borrowers act quickly and decisively. By basing lending on the Open Market Value (OMV) rather than the discounted purchase price, Somo can lend up to 100% of the purchase price on qualifying BMV deals - unlocking liquidity without requiring unnecessary cash input.

Works (Light to Heavy Refurb)
Whether you’re expanding your property portfolio or undertaking a single refurbishment project, Somo Works is designed to fund light to heavy refurbishments, renovations and conversions quickly, flexibly and without unnecessary complexity.

For full details on LTVs and rates, call 0161 312 5656 or visit somo.co.uk

*Products from SoMo can be accessed by using Next Intelligence as your payment route.