Better Deals. Better Borrowers. Built-in Protection.
Cavass delivers pre-qualified bridging enquiries backed by contractor vetting, legal agreements and credit checks — so you spend less time on due diligence and more time writing terms.
The Challenge
What Every Bridging Lender Knows Too Well
Unvetted enquiries waste your underwriting resource. Borrowers with weak projects, unverified contractors and no legal framework in place create risk before a single pound is lent.
Post-Completion Risk
Borrowers who haven’t stress-tested their build budget or contractor are far more likely to default, stall, or seek extensions that erode your return.
No Contractor Intelligence
Most bridging enquiries arrive with zero background on the builder. You’re funding a project with no visibility over who’s actually doing the work.
Unqualified Enquiries
Time-wasting submissions with no project detail, inflated valuations and borrowers who haven’t considered contractor risk. Your team processes them all the same.
No Legal Framework Around the Build
Without a payment agreement or work schedule tied to the loan, staged draw requests become disputes. Your security can be compromised before completion.
The Cavass Difference
What a Cavass-Backed Enquiry Looks Like
Every borrower we refer has been through our process — meaning you receive enquiries that are cleaner, safer and faster to underwrite.
Contractor Credit Check
The builder's financial position has been independently checked. You know whether the contractor is trading soundly before you write your offer letter.
Legal Agreements in Place
Borrowers carry a Cavass Payment Agreement and Work Schedule tied to the project. Staged draw requests align with completed milestones — not builder demands.
Borrower Credit Verified
We run a soft-search credit check on borrowers as part of our intake. You receive enquiries from borrowers who know their financial picture.
Structured Project Detail
Our enquiry form captures loan amount, term, property type, works scope, planning status and income source — the data your underwriters actually need.
Speed-Ready Borrowers
Borrowers who come through Cavass are educated about bridging timelines and expectations. No handholding on basics — just deal conversations.
Ongoing Relationship, Not a One-Off
As a lender partner you receive a steady flow of matched enquiries filtered to your stated criteria. Quality, not volume.
Partnership Process
How the Lender Partnership Works
A straightforward four-step process from registration to funded deal.
Register Your Criteria
Tell us your appetite — loan size, property type, LTV, geography, works scope and valuation preferences.
Receive Matched Enquiries
Borrower submissions that match your criteria land directly with your team — pre-screened and structured.
Review & Compete
You put forward terms alongside other matched lenders. The borrower selects their preferred offer.
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Receive Matched Enquiries
Borrower submissions that match your criteria land directly with your team — pre-screened and structured.
Review & Compete
You put forward terms alongside other matched lenders. The borrower selects their preferred offer.
Fund with Confidence
With contractor vetting and legal agreements already in place, you proceed with a cleaner security position from day one.
Pre-Screening
What Cavass Checks Before You Ever See an Enquiry
Our intake process is designed to filter out unviable projects and give you the information that matters. Every enquiry that reaches a lender partner has passed through:
- Borrower soft credit check — we understand their credit position before you do.
- Contractor credit check — builder's financial health verified, CCJs and insolvency flagged.
- VAT & bank account verification — on completion pack enquiries, confirming the contractor is legitimate.
- Structured project data — works scope, timeline, planning status, income source, exit strategy all captured.
- Valuation preference captured — AVM, desktop, RICS Red Book, in-house — your preferred method noted at intake.
- Legal documentation — Cavass Quotation Agreement and/or Payment Agreement in place for the build.
The Cavass Position
We are not a lender. We are not an FCA-regulated broker. We provide introductions to non-FCA bridging lenders and we wrap every introduction in the due diligence most borrowers never bother with. That means you take on less risk per enquiry — not because we guarantee anything, but because the groundwork is done before it reaches your desk.
Cavass exists in the space between borrower and lender — adding the contractor and legal layer that neither party typically manages.
Cavass does not receive commission from lenders. Lender partners are listed on our matching database and receive enquiries according to stated criteria only.
Is This Right for You?
Cavass Partner Lenders Typically Fund
Auction Purchases
Borrowers with 28-day completion deadlines needing rapid decisions. Pre-screened and ready to move.
Light & Heavy Refurbishment
Developer borrowers with vetted contractors and legal agreements already governing staged payments.
Structural Conversion Projects
Complex works where mainstream lenders decline. Contractor vetting and build documentation already in place.
Bridging to Mortgage Exit
Borrowers bridging a gap until long-term finance completes, with clear exit strategy documented at intake.
Chain-Break Finance
Homeowners or investors who need to move quickly without waiting on an onward sale.
Non-Standard Properties
Listed buildings, mixed-use, non-standard construction — where specialist lender appetite is needed.
Is This Right for You?
Register Your Lending Criteria
Complete the form below and a member of the Cavass team will be in touch within one business day to confirm your listing and discuss matching preferences.
