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Bridging lending platform

One platform for the complete bridging loan lifecycle.

Manage quotes, terms, AIPs, applications, underwriting, completion, servicing and redemption through one connected platform built specifically for bridging lenders.

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Quote Terms AIP Application Underwriting Completion Servicing Redemption
iZone Bridging Lending Platform
iZone bridging lending platform
Live pipeline visibility Every case, stage and action
Connected loan record From quote to final redemption
Origination Quote, Terms, AIP and Application
Underwriting Checks, Valuations and Approvals
Completion Final requirements and funds release
Servicing Payments, Interest and Extensions
Redemption Statements, settlement and closure
Origination

Move cases from initial quote to full application.

Create accurate loan proposals, issue terms, record approvals in principle and capture the complete application through one connected origination workflow.

01 Quote 02 Terms 03 AIP 04 Application
Stage 01

Create structured and consistent loan quotes

Capture the proposed facility and calculate indicative terms using your configured lending products, interest methods, fees and loan parameters.

✓ Product and loan-type selection
✓ Gross and net loan calculations
✓ Retained, rolled-up or serviced interest
✓ Arrangement, legal, valuation and exit fees
✓ Loan-to-value and loan-to-cost calculations
✓ Multiple applicants and securities
New bridging quote Loan structure
Draft
Loan product Residential Bridge
Gross loan £450,000
Term 12 months
Interest method Retained
Net advance £397,650
Loan to value 62.4%
Generate Quote
Stage 02

Generate and issue indicative terms

Convert an approved quote into a professional terms document using lender-specific wording, branding and configured product information.

✓ Automatically populated terms documents
✓ Lender branding and document templates
✓ Case-specific conditions and notes
✓ Document preview before issue
✓ Email delivery and communication history
✓ Acceptance and expiry tracking
Indicative Terms
Facility £450,000
Term 12 months
Monthly rate 0.85%
Security value £720,000
Generated from the approved quote
✓
Terms generated Ready to preview and issue
Stage 03

Record the approval in principle

Review the proposed facility, record the lender decision and control which cases can move forward into a complete lending application.

✓ Approval, decline or referral outcomes
✓ Lending rationale and decision notes
✓ Approval limits and user permissions
✓ Conditions attached to the decision
✓ Full decision and status history
✓ Controlled progression into application
Approval in Principle Decision summary
Approved
Proposed loan £450,000
Security value £720,000
LTV 62.4%
Approval conditions
Satisfactory valuation
Clear AML and identity checks
Solicitor confirmation
Progress to Application
Stage 04

Capture the complete lending application

Build a complete case record containing all applicant, company, security, loan, document and declaration information required for underwriting.

✓ Individual and corporate applicants
✓ Directors, shareholders and guarantors
✓ Multiple properties and securities
✓ Loan purpose and exit strategy
✓ Document upload and request workflows
✓ Broker and borrower portal submissions
Application Case progress
72%
✓ Applicants
✓ Securities
3 Loan Details
4 Documents
5 Declarations
Applicants 2
Securities 3
Documents 14
↗
Portal connected Information updates the case
Underwriting and completion

Control every lending decision through to release of funds.

Give underwriters a complete view of the case, manage outstanding requirements and move approved loans into completion through a controlled, auditable workflow.

05
Underwriting

Bring every check, condition and decision into one case view

Review applicant, business, security and loan information alongside documents, third-party checks, valuations and underwriting conditions.

✓ Underwriting checklists and case requirements
✓ Identity, AML and credit-search results
✓ Company, director and business checks
✓ Valuations, securities and legal information
✓ Conditions, referrals and approval routes
✓ Complete notes, decisions and audit history
Case reference BR-10482 Underwriting Summary
In Review
Gross loan £450,000
Security value £720,000
LTV 62.4%
Identity and AML
Passed
Company verification
Matched
Valuation report
Review
Legal undertaking
Pending
Outstanding condition Confirm satisfactory valuation before approval
✓
Checks connected Results recorded against the case
Approved cases move into completion
06
Completion

Manage final requirements before funds are released

Track every completion item, generate required documents, confirm legal and banking details and control the release of funds.

✓ Completion checklist and outstanding items
✓ Solicitor and bank-account information
✓ Offer and completion document generation
✓ Conditions precedent and final approvals
✓ Completion statements and funds breakdown
✓ Controlled transfer into loan servicing
Target completion 22 August 2026 Completion Checklist
80% Ready
✓
Signed facility documents Received and reviewed
✓
Solicitor undertaking Confirmed by lender solicitor
✓
Bank details verified Payment account confirmed
4
Final funds authority Awaiting authorised approval
Gross facility £450,000
Fees and retained interest £52,350
Net funds released £397,650
Completion controlled Every requirement checked before release

One complete case record

Underwriting data, checks, documents, communications and decisions remain linked throughout the process.

Controlled approvals

User permissions, approval limits and conditions help ensure cases progress through the correct route.

Seamless servicing handover

Completed loans move into servicing with the original loan structure, balances, documents and history intact.

Servicing and redemption

Manage every live loan through to final redemption.

Maintain accurate balances, interest, payments, extensions and portfolio activity throughout the loan term, then calculate and complete redemption through the same connected case record.

07
Loan servicing

Keep complete control of every active bridging loan

Manage the financial and operational activity of the loan after completion, with clear visibility of balances, payments, maturity dates and outstanding actions.

✓ Interest schedules and daily calculations
✓ Retained, rolled-up and serviced interest
✓ Payments, receipts and transaction history
✓ Statements and borrower communications
✓ Extensions and revised maturity dates
✓ Drawdowns and additional advances
✓ Arrears monitoring and case actions
✓ Live portfolio and maturity reporting
Loan reference BR-10482 Servicing Overview
Live
Current balance £432,850
Interest accrued £18,420
Maturity date 22 Aug 2027
Loan term 7 of 12 months
↓
Monthly interest payment 28 July 2026
£3,825
+
Development drawdown 15 July 2026
£25,000
↻
Interest schedule updated 1 July 2026
Updated
Portfolio updated Balances and activity shown live
Move directly from active servicing into redemption
08
Redemption

Calculate settlement figures and close the loan accurately

Produce a clear redemption statement using the current balance, accrued interest, fees and transactions, then reconcile the final payment and close the facility.

✓ Redemption calculations to a selected date
✓ Daily interest and settlement adjustments
✓ Exit fees and additional charges
✓ Automated redemption statements
✓ Incoming-payment reconciliation
✓ Shortfall or overpayment handling
✓ Security-release tracking
✓ Controlled case closure and history
Settlement date 30 August 2026 Redemption Statement
Draft
Capital balance £425,000
Accrued interest £7,850
Exit fee £4,250
Legal and administration costs £1,175
Total redemption figure £438,275
Figure valid through 30 August 2026
Awaiting settlement funds Statement generated and issued
Pending
✓
Complete audit trail From original quote to closure

Live portfolio oversight

Monitor balances, interest, maturity dates, arrears and upcoming redemptions from one operational view.

Accurate financial history

Keep payments, interest, fees, drawdowns and adjustments linked to the original loan structure.

Controlled case closure

Reconcile the final settlement, record security release and retain the full case history after redemption.

See the platform in action

Ready to modernise your bridging lending operation?

Book a tailored demonstration and see how the iZone platform can support your complete lending lifecycle—from quote and application through underwriting, servicing and redemption.

Book a Platform Demo Speak to Our Team
✓ Tailored to your lending workflow
✓ Full lifecycle demonstration
✓ No generic sales presentation