A custom build on the platform
A bridge is underwritten on the exit, not on the instalments.
Short-term property finance runs on a different clock. There is often no amortising schedule to monitor — there is a date, an expected source of repayment, and the question of what happens if that source slips.
CD Bridging Finance is built on the same collateral model as CD Property Mortgage, with the loan organised around a maturity date and a recorded exit rather than a repayment schedule. This is built on the Covenant Desk platform rather than switched on. It needs engineering that an unsecured personal-loan data model does not contain, so it is scoped, quoted and agreed before any work starts.
The page leads with the clock. Maturity, days remaining, the recorded exit and the extension history are the first things visible, because on a short-dated book they are what the review is actually about.
Each stage below runs on the Covenant Desk platform. The result and the evidence behind it stay attached to the borrower and the loan.
As with a term mortgage, the property is its own record with valuation, title particulars and charge priority. On a bridge that record is doing most of the underwriting work.
Refinance, sale or a defined receipt — the expected repayment source is captured with its date and its evidence, so the file can be reviewed against it rather than against a schedule that does not exist.
Maturity, time remaining and extension history are the loan's primary status. A bridge approaching its date is the thing your queue should be showing you.
Retained, rolled or serviced — how interest is handled is recorded on the loan, because on a short-dated facility it changes what the borrower actually owes at redemption.
Where a bridge is extended, the new date, the reason and the authority are recorded against the loan, so a facility that has run three times shows that plainly.
AI Copilot answers plain-language questions about your own portfolio with links back to the underlying records. AI Credit Analyst summarises a file and cites where each figure came from. Document processing reads what the borrower sent into fields your staff confirm, and email and WhatsApp intake turn enquiries into structured leads.
None of it approves anything. Every output is decision support attributed to the staff member who accepted it, and no loan is approved without a named person signing off. That boundary is the same on this product as on every other.
These are the platform plans this product line runs on. The build itself is scoped and quoted separately before any work starts, so there is no checkout button on this page — book a scoping call and we will price it against your book.
Starter
Growth
Federation
Bring your own book to the demo and we will work through it against these questions rather than a slide.
Book a demoIt shares the collateral model but inverts the monitoring. A term mortgage is watched through its instalment schedule; a bridge is watched through its maturity date and its exit. Running one as if it were the other is how extensions go unnoticed.
Built for you, and it follows CD Property Mortgage rather than preceding it, because it depends on the same collateral records. Scoped and priced before work starts.
As recorded decisions. The new maturity date, the reason and the approving authority are written against the loan, and extension history stays visible on the file. A book where extensions are invisible is a book that cannot be reviewed.
