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Fluid Trust PLC

“Dependable yet Innovative…
…Proactive and Attentive”

We specialise in providing the right bridging finance to make your project succeed. With over 100 years of shared experience, the Fluid team can offer you a bespoke, flexible loan and aim to support you throughout the entire process. Within Fluid we like to think we will remain dependable yet innovative, whilst having a proactive and attentive attitude to customer service. We are here to believe in your project and share the aims and values of our partners – your success is ours.

Our focus is to create long–lasting, personable relationships with our clients which helps us deliver the service you require.

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Our Offering

Our Product

The Fluid Bridging Loan
Fluid Trust specialises in short-term lending solutions for your business. We have created a streamlined selection process which starts with an application comprehensive enough to collect sufficient information, yet not too cumbersome to waste time. A dedicated member of the Fluid Lending team will aim to fully understand your business, build and maintain a working relationship from application and throughout the life of the facility and, in the majority of cases, visit you and inspect your security. If you are looking to borrow upwards of £100,000 for your business for 6 to 18 months, complete and return our application form and we will be in touch.

Responsive

Quick Decisions
Unlike some lenders, our online application form is comprehensive, and allows us to process your application rapidly. We understand that bridging finance solutions are often needed when time is a pressing factor. Once your application is processed, you can be sure of a quick response from our highly experienced credit committee.

Flexible

We are Fluid
Each application is assessed individually; we don’t put your business in a box. We pride ourselves on our flexibility and will always seek to avoid off-the-shelf solutions to your application, tailoring our bridging loan product to your application. Whether you are looking to fund an auction purchase, finance a real-estate investment or require short-term funds to finance your business, we will adapt to your circumstances. The key to our success is providing bridging loans with confidence, a detailed market knowledge and proactive approach.

Multi-Purpose

What is a Bridging Loan?
“Bridging loans are a short-term funding option used to 'bridge' a gap between a debt coming due and the main line of credit becoming available. Or they can simply act as a short-term loan in pressing circumstances.”

(Money Supermarket, 12/04/2018, https://www.moneysupermarket.com/loans/bridging-loans-guide/)


Bridging products are suitable for a variety of purposes, with the most common applications being auction purchases, refurbishment funding and short-term solutions in advance of a more permanent facility.

ABOUT US

Fluid Trust PLC was established with the belief that within the current lending arena there is room for a highly professional, quality driven player. The Company was founded on the core ethos of being flexible, responsive and personable with our clients. Fluid quickly acquired an experienced and friendly team with a strong background in real estate, development and finance. Our team deploys first-class expertise and a common-sense approach when structuring our loans for our clients. We have a large, diverse funding base and with direct and quick access to funds, meaning we can offer you a fast, flexible loan for your project.

Bridging Finance can be used for a number of different purposes, for example property development, equity release, business development, investment property and many more. Our extensive knowledge of property finance means we can tailor each loan to each individual company, whether it be a small or large project. Members of the Fluid Trust team have previously worked on deals such as:

  • Development funding on a prominent 64-Unit residential development in Manchester City Centre.
  • Asset purchase funding for business expansion within the TV industry.
  • Pre-Auction purchase of a successful high-street retail/processing unit, and many more.

 

The Fluid Trust journey is just beginning. If you want to be part of it, use the link below to invest through our sister site, fluidisa.com.

 

Invest Here

MEET THE TEAM

Directors

  • Ansar Mahmood
  • Will Jackson

Non-Executive Directors

  • Pascal Estienne
  • Stephen Sorrell
  • Fizal Bin Othman

The Process

1
Fluid raises lending capital through its asset-backed Innovative Finance ISA bond in partnership with Northern Provident Investments. This direct and quick access to funds ensures swift turnaround times for your application.
2
Applications for Fluid’s bridging product are rapidly processed by our team and ultimately assessed by our highly experienced credit committee. Rates are then set based on the level of risk-to-security and competitiveness in the market.
3
Funds are lent to businesses that are accepted and those funds are invested in exciting new business projects, real estate acquisitions, refurbishment of premises, and acquisition of equipment, to name a few options our product is frequently used for.

If you want to be part of the Fluid journey, use the link below to invest in our process through our sister site, fluidisa.com.

Invest Here

  • NEWS

    Fluid Trust Plc Launches New Bond Under ‘Fluid ISA’

    In order to fund their future lending operations, Fluid Trust Plc have launched the ‘Fluid ISA’, in partnership with Northern Provident Investments Limited. The Fluid ISA is an Innovative Finance ISA wrapper for a bond issued by Fluid ISA Bond 1 Limited, a subsidiary of Fluid Trust Plc. The bond offers an attractive return to investors with interest due to be paid every quarter over 3 years. The benefits of the IFISA setup mean that returns on investments are typically up to £20,000 per year are tax-free. Tax treatment will depend on individual circumstances.

    Fluid believe that the bond will be attractive to new and experienced investors alike, with returns on bonds typically only offered annually, or on maturity of the bond. Fluid is looking to raise a significant lending pot to fund its lending activity and offer investors the opportunity to ultimately finance exciting business projects throughout the UK.

    Fluid have partnered with Northern Provident Investments (‘NPI’), an ISA manager, to run the ISA and facilitate investment into the bond. NPI have operated as the ISA manager for several bond issues previously.

    For more information on the Fluid ISA, head to www.fluidisa.com.

    *Calculated per annum.