Spring Finance Limited was established in 2011 as a long term second charge lender, lending to customers who may not meet the normal criteria of high street banks, building societies and other lenders. It is authorised and regulated by the Financial Conduct Authority for regulated mortgage lending and administration and registered with them for Consumer Buy to Let lending. In 2022, Spring entered the bridging and development finance market lending on a first and second charge basis with a mixture of regulated and unregulated loans.