Auction Finance

Fast & Flexible Funding for Property Auction Buyers

By partnering with Marwood Commercial Finance, buyers gain access to a broader, more competitive panel of specialist auction lenders – Experienced in fast completions and complex property transactions.

Multiple lender options, ensuring competitive terms and a tailored fit for each buyer.
AVM and Dual Representation lenders, enabling faster legal turnaround and quicker drawdowns — crucial in auction timescales.
Access to “house-hunting” revolving credit facilities, allowing preapproved funds to be ready before the auction begins.
Flexible bridging solutions for a wide range of properties — residential, semi-commercial, or mixed-use.
Bridge Refinance. At the end of the term, we also arrange term loans such as Buy to Let mortgages and commercial mortgages.

Revolving Credit / Hunting Facilities

Funding confidence under the hammer.

For frequent auction purchasers, a Revolving Credit Facility (RCF) provides flexible, ready-to-use funding that can be drawn, repaid, and redrawn multiple times. This allows investors to move quickly on successive auction properties without waiting for new loan approvals, pay interest only on the funds actually used, and manage multiple acquisitions under a single facility – making it an ideal solution for fast-paced property buying.

Buyer Confidence. Gives buyer confidence that funds are already in place, allowing more competitive bids.
Rapid Access. Funds can be drawn instantly after the winning bid.
Multiple security types. Buyers existing portfolio is used as security (either 1st or 2nd charge). Can use residential property, commercial property & land with or without planning.
Use again and again (and again...!). A credit limit is agreed and this can be used, repaid, used, repaid etc. the facility is reviewed after 12 months and can be decreased/increased as necessary.
Less fees / interest. sing multiple bridges costs a buyer multiple fees. Once an RCF is in place, there are no non-utilisation fees and interest is only charged on funds in use.

Bridging vs Revolving Credit Facility

Feature	Revolving Credit Facility	Standard Bridging Loan
Access to funds	Draw, repay and redraw multiple times	Drawn once per loan
Speed	Set up in advance. Funds can be accessed instantly following the winning bid	Can take 28 days (or longer!)
Interest	Pay interest only on drawn funds	Interest charged on full loan from day 1
Purchases	Manage several acquisitions in one facility	Separate loans needed for each purchase
Auction advantage	Flexible, ready funding allows competitive bidding	Delays may limit auction opportunities