Together — SME finance eligibility guide
Together is a UK specialist lender providing commercial mortgages, bridging finance and buy-to-let loans to property professionals.
- Official site:
- togethermoney.com
- FCA reference:
- 305253
- Companies House:
- 02939256
- Trustpilot:
- view
Eligibility guidance only - not financial advice, not a loan offer, not a guarantee of approval. Lendrly is not FCA-authorised and is not a credit broker.
- Amount range
- Property-backed; commercial can reach 100% with extra security
- Security / PG
- Typically secured against assets, property or invoices depending on product
- Speed
- Can complete in 24h
Data confidence
High confidence. Most of the figures on this page are published directly on the lender's own site. Verify the latest version with the lender before applying.
Summaries are paraphrased from public Together pages.
Products Together offers
A summary of the Together products tracked in the Lendrly database. Criteria can change and published ranges may differ for individual applicants. Always confirm with the lender before applying.
| Product | Category | Amount range | Min trading | Security / PG | Speed | Confidence |
|---|---|---|---|---|---|---|
| Bridging / commercial mortgage | Bridging Finance | Property-backed; commercial can reach 100% with extra security | Not disclosed | Property-backed — Security required | Can complete in 24h | High |
Eligibility breakdown by product
Each section below paraphrases the published eligibility signals, common blockers, repayment, speed and security posture for one of Together's products. This is educational guidance only and is not a quote or guarantee of approval.
Bridging / commercial mortgage
Bridging Finance
Source: View Together's Bridging / commercial mortgage page on togethermoney.com ↗— Together Money UK commercial finance pages.
Who Together's Bridging / commercial mortgage may be suitable for
Together's Bridging / commercial mortgage may be a possible fit when Individuals, sole traders, LLPs, partnerships, Ltds. Typical signals include short-term property need, auction/refurb/refinance, clear exit route.
Common blockers
- No property security
- No clear exit strategy
- LTV too high
Repayment
Together structures repayment as: interest-only / retained / bridge.
Speed to funding
Together indicates speed to funding around: can complete in 24h. Actual timelines may vary with documentation and underwriting.
Security and personal guarantee
Security posture: property-backed. Tangible security is typically required.
Other lenders covering similar product families
Other UK SME lenders in the Lendrly database whose product mix overlaps with Together. This is not a ranking and not a recommendation — eligibility, pricing and underwriting can differ substantially between providers. Review each lender individually.
Related guides
Educational explainers that pair well with Together's product mix.
Related lender directories
Browse other UK lenders publishing criteria in the same product families as Together.
Keep exploring
Move up to broader categories, drill down to a specific sector, or browse related tools at this level.
Logos, trademarks and brand names belong to their respective owners. Lendrly is not affiliated with, endorsed by, or sponsored by these lenders unless clearly stated. Information is paraphrased from public lender pages and may not be exhaustive — always verify directly with the lender before applying.
Together — data sources
Lendrly summarises publicly-available information from the lender pages listed below. Criteria can change without notice — always confirm directly with the lender before applying.
- Together — Bridging / commercial mortgagetogethermoney.comTogether Money UK commercial finance pages.
What this page is — and isn't
- Is: a plain-English summary of Together's published eligibility signals, security posture, speed and product mix — written for UK SMEs trying to understand their funding options.
- Is not: a quote, a rate offer, an indication of approval, or regulated advice. Lendrly does not submit applications and is not a regulated credit broker.
- Always: confirm criteria, pricing and product availability directly with Together on the official Together site before applying.
Frequently asked questions about Together
- What is the minimum trading history for Together?
- Together does not publicly disclose a minimum trading-history requirement. Some products may still favour established businesses — check directly with the lender.
- Does Together require a personal guarantee?
- Together does not publicly disclose personal guarantee requirements in a consistent way. PG is common across UK SME finance and may be requested — verify directly with the lender.
- What speed to funding does Together publish?
- Published speed indicators for Together include: Can complete in 24h. Actual time to funds will depend on documents, affordability checks and underwriting.
- What is Together's minimum and maximum facility size?
- Together's published amount ranges are limited or not publicly disclosed. Some facilities may scale with revenue, asset value or property security — check the product table above.
- What is Together's published position on CCJs and adverse credit?
- Together does not publicly state a position on CCJs. UK SME lenders typically assess CCJs case-by-case, and unsatisfied CCJs are commonly a blocker. Check directly with the lender if this applies to you.
Check whether Together's criteria fit your business
Answer a few questions and see how your business profile stacks up against published lender criteria, including Together's. Educational guidance only — Lendrly does not submit applications on your behalf.
Important — educational guidance only
- Not regulated by the FCA and not a credit broker.
- Not financial, legal or tax advice.
- Not a loan offer and not a guarantee of approval.
- Subject to lender underwriting — criteria can change.
Lendrly provides general eligibility guidance only. It is not financial advice, a loan offer, or a guarantee of approval. Provider criteria can change and final approval is subject to lender underwriting, affordability checks, credit assessment, and documentation. Lendrly is not a regulated credit broker; we do not submit applications on your behalf.