Even experienced brokers and advisers can overlook the liquidity challenges many clients face when dealing with an estate. Probate delays, inheritance tax liabilities, or simple access issues can leave beneficiaries and executors financially constrained – despite significant assets in the estate.

Probate loans provide a smart, low-effort addition to your bridging finance portfolio. They help your clients unlock inheritance funds when they need them most – and give you an opportunity to enhance your service offering, earn commission, and work with a trusted partner who does the heavy lifting.

Steve Gauke, Managing Director, Provira:
“We want more brokers – and IFAs too – to see probate loans as a natural extension of what they already offer. It’s effectively a form of bridging finance, and it helps clients through a situation that most haven’t planned for.”

What Is a Probate Loan – And Why Is It Relevant?

Probate loans are advances made against the value of an inheritance or estate. They can be used to cover inheritance tax, settle legal or property-related expenses, or simply release funds to beneficiaries who do not want to wait for probate to complete.

Repayment is made once probate is granted and estate assets are available – so there are no affordability checks, personal guarantees, or charges over property.

They are structurally similar to traditional bridging loans, but the circumstances are different – clients are not buying property, they are accessing what they are already due. And unlike many other forms of finance, there are no affordability checks, personal guarantees, or charges over property. Because we do not take a charge over property, funds can often be released in a matter of days – significantly faster than many traditional bridging loans.

This is often a difficult time for clients. Our team is experienced in handling sensitive situations and supporting families with clarity and care. Reducing financial pressure can make a meaningful difference during probate – and the right support matters.

How It Works

1. Start the application

   Your client can complete a short online form or call us directly. We’ll guide them through the process step-by-step.

2. Send supporting documents

   We confirm eligibility and request a simple set of documents:
   – Copy of death certificate
   – Copy of the Will (if applicable)
   – Grant of Probate / Letters of Administration (if available)
   – Confirmation of estate assets and liabilities
   – Proof of ID, address, and bank details

3. Application assessed

   Our experienced underwriters review the application within 48 hours. If approved, your client will receive a formal loan offer via email.

4. Funds released

   Loan documents are signed – typically electronically – and funds are transferred immediately. Most clients receive funds within 3 working days of sending through all documentation.

5. Repayment

   The advance is repaid directly from the estate once probate is granted and the assets are liquidated.

There’s no cost to you, and no obligation for your client unless they choose to proceed. You stay informed throughout – and we pay commission once the advance is issued.

Enhance Your Offering, Meet Unmet Client Needs

For brokers and advisers, adding probate loans to your portfolio enables you to:

• Offer something valuable and different to clients during a difficult time
• Demonstrate flexibility in supporting client liquidity – not just transactional lending
• Earn commission for making a simple introduction
• Work with a specialist lender who handles the process from start to finish

Steve Gauke:
“It’s about helping them offer something their clients probably haven’t even heard of – at a moment when access to funds really matters. And we’ll do all the work. They just make the introduction.”

Simple to Offer. No Need to Become an Expert.

We understand that probate finance is unfamiliar territory for many. That is why we have designed our process to be friction-free for introducers.

If a client expresses interest, you simply refer them to us. We’ll guide them through the process, manage the documentation, and keep you informed at each stage. Once the loan is issued, you receive your commission.

Steve Gauke:
“We want to reassure brokers that this is not a hassle. You do not need to become a probate specialist. We’ll spend as much time as they want educating them, but the process is simple. Introduce the client, and we’ll run with it.”

Full Marketing Support, In Your Tone of Voice

To make things even easier, we provide introducers with tailored marketing support – including:

• Professionally written web copy in your tone of voice
• Brochures and service summaries
• Customisable content for client emails and explainer pages
• Co-branded materials where appropriate

Whether you want to add a new probate section to your site or position it within your existing bridging offer, we will supply what you need to help you get to market quickly and confidently.

Steve Gauke:
“We can provide everything they need – copy, brochures, explainer materials. If they want to write their own, that’s fine too. But we’re here to make it easy for them to get started.”

Executor or Beneficiary? Both Are Relevant

Unlike solicitors – who usually work with executors – your clients may be executors, beneficiaries, or both. That is why we offer two loan types:

Estate Advance – typically used by executors to cover inheritance tax or legal costs

Inheritance Advance – used by beneficiaries to access part of their inheritance early

You do not need to determine which is appropriate. Just refer the client, and we will assess suitability.

Build Trust With a Proven Partner

We know your reputation matters. That is why we back our service with the credentials you and your clients expect:

• FCA-registered
• Five-star Trustpilot rating
• Featured on MoneySavingExpert, This is Money, and others
• Transparent terms and no hidden costs

Steve Gauke:

“If a broker hasn’t heard of us yet, that is absolutely fine. We can point them to our website, our reviews, our media coverage – whatever they need to feel comfortable introducing us to their clients.”

Let’s Talk

If you offer bridging loans today, probate loans could be a seamless and valuable addition. We will support you with everything you need to get started – referral copy, client materials, guidance, and updates. All it takes is a short call.

Book an intro call to explore how probate loans could fit into your offering.

About Provira

Provira is the UK’s most established provider of inheritance and estate advances, trusted by hundreds of financial advisers and brokers. We’ve supported thousands of families, advancing £20,000 to over £1 million to help cover IHT, legal fees and personal needs – quickly, securely, and without personal guarantees or property charges. Our five-star Trustpilot rating reflects our commitment to transparent, compassionate support when it matters most.

We work closely with introducers and can provide everything from referral copy to co-branded materials. All you need to do is make the introduction – we’ll take it from there.