KIS Finance

From early in the morning to very late at night 7 days a week, we make sure that we are available to speak to our consumers. Why? Because we care!

We are very organised and effective, making sure that any questions or requests are answered or dealt with as soon as possible. Our mission is to ensure that all fast loans are completed as quickly as possible whilst making sure that the whole process from start to finish is kept as easy and straightforward as possible.

When doing business with us you won’t experience high-pressure sales. We are very experienced finance experts, not sales representatives.

What to expect when you call us

Our committed theme will take time to fully understand your good and bad credit loan requirements, what are you trying to gain, your timescale and current circumstances. We will then prepare details about the various alternatives that may be available to you.

We have access to all the best lenders

Our very experienced, favourable team will make sure that you receive the best possible bridging deal.

Our specialist growth finance brokers email access to all the most competitive and pliable growth plans. They also make sure that the whole process is kept as easy as possible.

Independent finance brokers who like to keep it easy

Whenever you call us, we will make sure that you speak directly to an experienced finance expert who will be happy to answer questions that you may have about our online loan application process.

We the time to understand your circumstances and demands, before advising on the available alternatives. We will go through in detail all in the advantages, disadvantages, costs, etc. of each alternative.

Affordable options available

If you wish to progress, we will put the facility in place for you, keeping the process as easy as possible. With KIS Finance, you will not undergo any high-pressure sales. Once we have presented the alternatives, you will not receive nagging sales calls.

Regulated bridging loans

A loaner is required to be authorised by the Financial Conduct Authority in order to offer a regulated bridging loan. These are for fewer bridging loaners in the market place able to offer regulated bridging loans than there are offering unregulated bridging facilities. We estimate that only 1 in 12 bridging loaners are regulated by FCA.

The different loan costs to consider

There are many costs to think of taking out bridging finance. The first and most important is the bridging loan interest rate, normally expressed as a monthly rate. This rate when compared to other monetary alternatives will normally seem high, which is why bridging finance should only be used as a short term finance alternative.

It is also very important to think of all the other costs because they quickly add up. The best way to compare alternatives and fully understand what a bridging loan is going to cost is to add up all charges for the period you are likely to have the loan and add this figure to all other costs involved.

• Interest roll-up – The monthly interest charged on a bridging loan can be installed monthly, but for most facilities, there is an alternative to have the interest roll-up, retained or deferred, which means no monthly instalments have to be made and the interest is paid at the end of the term when the loan is received.
• Facility fee - Charged by the loaner this typically ranges from 0 to 12% of this amount being loaned and is included in the loan facility.
• Exit fee – Some plans have an exit fee which is similar to the facility cost but charged and added to the loan when it is recovered: Nearly all the online loans that we arrange do not have exit fees.
• Legal fees – In addition to paying your own solicitor a bridging loaner will also demand you to pay legal costs for setting up the facility, legal fees can differ considerably based on the loaner.
• Administration fees - Most loaners normally skip an administration fee into their agreements.