Brokers: Get Paid Fast, Funded in 2 Days

A Bridging Lender Built Around How Brokers Actually Work

Most lenders pay your fee on redemption. Most ask the client to budget for valuation, legal, and arrangement fees on top of the loan. Most route your call through three teams before you reach someone who can say yes or no. Mallard Bridging works differently.

You agree the fee with your client. We pay it out of the gross loan on day one. Your client makes no monthly payments. There are no upfront costs to budget. You speak directly to the decision-maker. And in 2 working days the money is in your client's bank.

This is a bridging finance facility from £25,250 to £8,000,000 against property in England and Wales, for business and investment purposes. It is not consumer credit and we are not FCA regulated.

Three Things That Matter to Brokers

1. Agree any fee. We pay it on day one.

Brokers in our network tell us this is the single biggest reason they keep coming back. Whatever fee you and your client agree - and many clients sit firmly in the "I don't care how much, I just need it now" camp - Mallard pays it. The fee is rolled into the gross loan and released to you when the facility draws down.

You do not wait for the client to repay first. You do not chase. The fee hits your account on day one of the facility, alongside the net loan to the client.

The only constraint: the total package, including your fee, must sit within LTV against the security. Beyond that, there is no cap.

2. No servicing. No upfront costs.

Every cost is rolled into a single gross loan amount that the client repays at exit. There is no monthly servicing for the client during the term. There are typically no upfront costs - no valuation invoice, no legal demand at the start, no arrangement fee chase.

For your conversation with the client, this changes the framing. You are not asking them to find £3,000 for valuation and legals before the deal even draws down. You are showing them a single gross loan figure that includes everything, with no monthly demands and no exit fees.

The client who needs the money urgently does not have time or appetite for fee shopping. They want to know the total cost and the date it must be repaid. That is exactly what our quote shows.

3. Funded in 2 working days

Money in the client's bank within 2 working days of approval. Funded in as fast as 24 hours when every detail is aligned. Most first-charge cases with prepared documentation complete in 5 to 7 working days end-to-end.

Same-day initial assessment on every enquiry. Direct telephone access to the person making the credit decision - no call centre, no underwriting queue.

If your client faces an auction deadline, an HMRC liability, or a chain that is about to collapse, you can pick up the phone, get an answer in hours, and have funds released inside a week. The whole process is built for brokers whose clients cannot wait.

What "Total Return" Means for Your Pricing Conversation

Mallard prices to deliver around 36% total return on a typical short-term facility - a competitive position in the unregulated bridging market for fast, certain funding. That figure includes interest and arrangement, all rolled into the gross loan.

What this means for you: the package leaves room for a meaningful broker fee while still being attractive to the client. You are not squeezed between a thin lender margin and a nervous borrower. The pricing has been designed so that your fee, the interest, the legals, and the valuation all sit comfortably inside the gross loan without making the deal uncompetitive.

For repeat clients, the conversation gets easier. They have already seen one Mallard facility complete. They know the numbers are what was agreed. They come back, and your commission flow continues.

Deal Types We Fund

Every deal assessed on individual merits. If the LTV does not work on the primary security alone, we routinely look at additional property the client or their partners can offer as cross-charge. Many deals that would be declined on a single security come together on a multi-charge structure.

Who Brokers Bring to Us

The broker channel sends us a consistent profile of borrower:

• Property investors who need to move faster than their mainstream lender allows
• Limited company landlords expanding portfolios where the deal will not wait for a 6-week BTL underwrite
• Developers funding refurbishment between purchase and refinance
• Business owners pulling equity out of trading premises for working capital
• Borrowers in distress on an existing bridge where the current lender is calling time
• Auction buyers who exchanged on the day and need to complete in 28 days

These clients have one thing in common: they do not have time for committee underwriting. They want a yes, a number, and a completion date. Your job is to get them in front of a lender who can deliver all three. Ours is to make sure the lender behind you does.

How a Case Moves Through Mallard

1. You call or email - phone is fastest. Cover the basics: loan amount, property, purpose, charge position, exit, timeline
2. Same-day initial assessment - we tell you on the call whether the deal is viable and a rough quote
3. Quote in writing - gross loan figure, your fee, the client's net, the exit date. Nothing hidden
4. Documentation - light pack, focused on what we actually need to underwrite
5. Valuation - desktop where appropriate, instructed by us
6. Legal completion - our solicitor and the client's. Funds released
7. Drawdown - your fee paid alongside the client's net, on day one

What you will not encounter: hand-offs between teams, voicemail loops, waiting for credit committee, surprise costs after the quote, or a fee held back until redemption.

The Brokers Who Place Repeat Business With Us

Brokers come back when three things are true: the client got funded, the experience was clean, and the broker got paid promptly. Mallard is built around all three.

For repeat referrals, the process compresses further. We already know your client profile, your typical deal structure, and your communication preferences. The first deal teaches us how to work together. Every subsequent case moves faster because the relationship is already in place.

There is no minimum volume. One deal a year or one deal a week - the service level does not change. We are interested in the deal in front of us, not last quarter's pipeline.

Lending Parameters

• Facility: £25,250 to £8,000,000
• Term: 1 to 12 months
• Charge: First, second, or third
• Geography: England and Wales only
• Purpose: Business and investment only - no consumer credit, no owner-occupied residential
• Costs: All rolled into gross loan - no separate invoices, no monthly payments, no exit fees
• Pricing: Individually assessed. Total return target around 36% across the deal - leaves headroom for your fee
• Broker fee: Whatever you agree with your client, paid day one of the facility
• Timely repayment discount: Available for clients who repay on or before agreed date
• Decision speed: Same-day initial assessment, formal approval typically 1-2 working days
• Funding speed: 2 working days from approval. As fast as 24 hours when all details aligned

Mallard Bridging is not authorised or regulated by the Financial Conduct Authority. We do not offer consumer credit or residential mortgages for owner-occupation. All lending is for business and investment purposes against property in England and Wales.

Why Brokers Pick Up the Phone

The brokers who use Mallard repeatedly cite the same reasons:

Get Your Next Case Moving

Send the basics - loan amount, property, purpose, exit strategy, timeline. You will speak to the person who decides the deal, not a screener and not a queue.

For deals that look like they might not fit LTV on the primary security, ask the client about additional property held by friends, family, or business partners. Many declined-on-paper deals come together on a multi-charge structure. We will tell you on the first call whether it is workable.

For a deeper view of the different bridging structures we fund and the exit strategies we accept, see the linked guides.