It has been brought to our attention that a scam loans company called Loan4Help has been committing fraud by claiming to offer or advance “loans” to borrowers whilst pretending to be a trading company of Finance and Credit Corporation Limited. It is not. Loan4Help has absolutely no connection to Finance and Credit Corporation Limited.

It has also come to our attention that a third party has been contacting borrowers on a fraudulent basis by purporting to be Finance and Credit Corporation Limited and claiming to offer or advance “loans” to borrowers. This third party has been contacting borrowers on an unsolicited basis via the following email address: . Please note that our company Finance and Credit Corporation Limited is in no way connected with the third party and does not use or operate that email address.

These operations have been cold calling and emailing members of the public, fraudulently pretending to be or to be connected with Finance and Credit Corporation Limited, asking for upfront fees from borrowers and advancing monies in relation to purported “loans”. They have also sent documents to borrowers which fraudulently claim to contain the signature of the Managing Director of our company.

These operations have also been using the following telephone numbers to contact consumers: 0203 129 2514 and 0238 106 0723. They may also have been operating from other telephone numbers and email addresses.

Please note that Finance and Credit Corporation Limited does not cold call, send unsolicited signed “loan agreements” or ask for upfront fees. We strongly suggest that you call our Managing Director Elio Astone on 020 7722 7547 in advance of proceeding with any “loan” or if you have any further questions.

If you are contacted by Loan4Help, or any of the companies which appear to be involved in these frauds, you should also report them to Action Fraud on 0300 123 2040.

Bridging LoansClear & Simple

Fincorp is one of the UK's most established and respected bridging loan companies. For more than 25 years the company has been providing 1st and 2nd charge bridging finance on residential properties in London and Southern England. Our bridging loans vary typically between £100,000 and £10 million, and we lend up to 70% value of the property secured on the property. And because you deal only with decision-makers, your bridging loan requirements are always dealt with quickly and with the minimum of fuss.

Why Fincorp for Bridging Loans?

We're a Principal Lender. Customers are able to get a decision quickly on their bridging loan without having to wait for authorisation from anyone else. And there's no back-tracking at a later date. So that means when we say yes to a loan, we mean it.

Our approach to business is summed up in two words, Clear and Simple. We believe that bridging lending is a straightforward business, all too often complicated by lenders with their lack of transparency and reliance on the small print. We work hard to make your dealings with us as clear and simple as possible.

Our Criteria

  • Principal Lender
  • 1st and 2nd Charges
  • London and South East
  • Residential properties
  • Bridging Loans from £100,000 - £10 million
  • Up to 70% LTV

Enquiry/Application for Individual Applicants


10 Top Tips for finding the right bridging lender

Latest News

Brokers demand greater transparency on bridging costs

Offering clients the lowest headline rate available in the bridging market might not be enough to satisfy the regulator, which is keen to see more transparency, a broker has warned.

Speaking at a Fincorp event Beverley Loggia, director of Oliver Rae, said: “Bridging is becoming more and more available to clients and more and more a necessity given the complication and regulation in our industry at the moment. And it is something the Financial Conduct Authority is looking at – the pricing and structuring of bridging deals – so well worth considering when you’re putting a solution to your client.”

Her comments followed a suggestion from bridging lender Fincorp’s director Matthew Anderson, that keeping bridging clear and simple was becoming even more important in today’s market. He said: “I feel like a broken record sometimes when I talk about headline rates and the fact that they aren’t always the golden egg they might seem. I hear from clients far too regularly that they’ve been hit by heavy fees on the way into a deal or the way out.

“While bridging lenders have become a lot more professional and we are lucky to have a lot of great, honest people in this industry, there are still too many examples of clients who didn’t feel they were made aware of the true cost of a deal before they signed on the dotted line.”

Loggia said: “Fincorp’s offering is different from other providers in the market because there are no fees. It may appear that their rate is slightly more expensive, but I think their offering is a good example of transparent charging. There is no small print, no compounding interest, no interest charged on fees rolled up. It may not suit every scenario, but it demonstrates how easy it is to be up front about what a loan actually costs.” 

In September, FCA mortgage and mutual sector manager Lynda Blackwell revealed the regulator had some concerns about the bridging market. And with second charge mortgages falling under the regulator’s remit earlier this year, Fincorp’s directors Anderson and Nigel Alexander have both been vocal about the need for more transparency in charging.

Anderson said: “We are not suggesting that no fees is the only way to charge – far from it. People need choice and flexibility and sometimes fees are worth paying. The issue isn’t the fee itself, it’s the fact it can be so hard for clients to really get a grip on what a loan is actually costing them. This isn’t about badmouthing the market either – we just think it’s good business to be honest with our customers and make sure they fully understand the contract they’re signing with us.”

Also speaking at the Fincorp event Marcus Rolle, director of One Stop Finance, said: “Headline rates and up front fees are part of a range of things that have to be considered on a bridging deal – it’s part of an overall package. If you’ve got a bridge that you know is a three month deal, a lender that doesn’t have an up front fee that may have a slightly higher margin is going to be a better bet than someone who appears to be cheaper but has a chunky fee to start with. You’ve got to know the deal and you have to get an honest answer from the client on how long they need the money for. There’s a cross over point and you have to do your analysis carefully before you make your recommendation on which offer is the better option.”

He added: “Bridging finance is an important part of any commercial broker’s toolkit. With the clearing banks not necessarily wanting to play ball at the moment on what is seen by some as a riskier end of the market, developers need access to a good bridger.”