Why are bridging finance lenders more asset focused?

As bridging finance is a short term loan, they will be heavily underwriting your exit. Therefore, if you are a property investor buying properties to flip, then you will not need clean credit in order to exit and that means that the focus will be on the exit, which will be around the end value if there is a planned refurbishment. If you are remortgaging then your credit file will become more important to a bridging lender as this will impact your exit.