How bridging lenders reach borrowers before the maturity date

In lending, timing is everything. Reach a borrower a month after they refinanced and you are too late. Reach them the week before a facility matures, with capital and a plan, and you are the most useful call they take that month. The trick is knowing which borrowers are at that point right now.

A dated wave, not a vague market

Fixed-rate facilities written in the cheap-money years of 2020 and 2021 are resetting from around 2 percent to 6 percent as they mature. On top of that sits a large body of short-term bridge debt that was always going to need refinancing or repaying. Both put a date on the borrower, and a date is what a generic prospect list can never give you.

Why generic lists fail lenders

A bought list of property companies ages the day you receive it. It tells you who owns property, not who has a decision to make. GalimAI works the other way around, starting from the pressure and the timing, then telling you who is under it.

• Charges and loan maturities that point to a live refinancing need.
• Financial pressure and negative equity that shape what will fit.
• Region and asset type, matched to your lending appetite.

From signal to conversation

With the owner, the context and the timing in hand, you can approach directly or through a campaign under your brand. Either way you arrive before the maturity date and before the competition. See the full picture on our property finance page.