Bridging Finance

The sector has a reputation for demanding a dynamic, agile and client centric approach from lenders. Our tried and tested technology components along with an established track record for innovation can be seen at the heart of our short term lending solution, which blends delivery of highly automated processes and the ability for lenders to bespoke each deal based on its unique characteristics and risks.


  • Development finance
  • Residential bridging loans
  • Commercial finance
  • Renovation / refurbishment loans
  • Complex applicant structures, including companies and individuals
  • Regulated & non regulated loans
  • Multiple loan securities
  • Monthly serviced loans
  • Rolled up loans
  • Be-spoke product pricing
  • Comprehensive product factory for defining and managing loan criteria, rates and fees


  • Multi distribution channel capability
  • Fine-grained control of products by channel and/or distributor
  • Multiple intermediary distribution tiers (DA, AR, Network, Mortgage Club, Packager)
  • Automatic fee calculation and payments
  • Intermediary registration and approval process
  • Funding and distribution pools with tranche criteria, funding thresholds, depletion alerts and automated staged product withdrawal


  • Rich web portal technology allowing external brokers and in-house sales staff to submit and track new business online
  • Ability to define the structure of the loan in terms of company and individual participants as well as multiple securities
  • Produce heads of terms and initial illustration prior to submission of full case data for review
  • Automate company and individual level background checks with leading credit reference agencies, including the ability to carry out extended searches
  • Ability to pre-qualify applications prior to underwriting using rules engine
  • Easy to use underwriting and case handling system allows application processing staff to easily view all case data and documents from a single interface and progress applications
  • Process wizards to simplify common tasks such as generating offer documentation, maintaining offer conditions, interest rate loadings and more
  • Credit Committee review process
  • Flexible task based workflow system allowing ad hoc creation and allocation of work items


DPR’s Bridging Finance Solution provides a complete set of business processes and account administration functions:

  • Maintain balances and transactions for all accounts
  • Staged drawdown of funds
  • Statement production
  • Daily extract of all monetary movements and accruals to General Ledger
  • Underwriting suite to process pipeline applications
  • Library of business process wizards for handling all types of borrower and account processes
  • Automatic detection of missed payments to trigger collections process
  • Litigation, possession and asset disposal processes

Process Efficiency

  • The workflow engine automates common tasks, reducing the amount of manual handling required to process pipeline applications and manage account servicing processes
  • Where manual activity is required, the system automatically assigns the correct priority and allocates the task to an appropriate role, allowing lower skilled staff to use the system in a controlled and productive manner
  • Direct integration with credit reference agencies, payment providers and other third party services ensures that information is exchanged accurately, quickly and without manual re-keying
  • Task performance against deadlines and SLAs is proactively monitored and escalated if needed
  • Data warehouse providing management insight into operational bottlenecks, resource utilisation and other metrics

Business Benefits

The DPR platform helps organisations large and small to optimise their origination and servicing operations, driving down costs and ensuring that they make best use of available resources. DPR’s powerful workflow engine automates common tasks; integration gateways enable seamless exchange of information with a library of industry-standard service providers, and our smart task management technology brings control and insight into manual processing.

In a competitive and rapidly changing market, providers must be able to react rapidly to changing needs and circumstances. DPR’s suite of graphical configuration tools brings new levels of customisation and control to the business, shortening development times and enabling business analysts to directly maintain and test complex business functionality without programming.

DPR’s modular, service-oriented architecture is robust, secure and easy to manage, and is designed to scale seamlessly across physical, virtual or cloud-based implementations for organisations of any size. Comprehensive telemetry provides real-time insight into system health and resource utilisation, and additional system capacity can be easily provisioned by adding additional storage and service nodes as required.


Business Rules Builder


Work Flow Builder


Summary Dashboard