With rising interest rates and ongoing market volatility, many banks are reacting quickly and cautiously. Products are withdrawn at short notice, criteria tighten overnight, and borrowers approved last week can suddenly find themselves back at square one.

Inflow is different. We remain very open for business in both bridging and development finance, despite turbulence in the broader market.

Because we are privately funded and not reliant on retail deposits or multiple layers of bank bureaucracy, we’re able to maintain our lending appetite and continue supporting clients when other lenders pause.

For brokers and borrowers, that means:

• We’re still lending: Inflow continues to actively fund short-term property finance even as banks raise rates and pull products. We’re actively seeking quality opportunities and are committed to deploying finance across a broad range of residential and commercial projects.
• Consistent appetite: Unlike many traditional banks, our lending decisions aren’t influenced by daily market fluctuations or short-term funding pressures. We focus on the strength of your business and the quality of the opportunity, not on volatile external conditions. This means we’re consistently prepared to lend, offering reliable access to funds when you need it most, so you can plan confidently and act promptly on important decisions.
• We focus on the fundamentals: Strong projects, credible borrowers, and clear, viable exits. By focusing on these core pillars, we can identify opportunities with solid underlying value and partner with borrowers with proven track records, transparent business plans, and well-defined exit strategies. This disciplined approach results in greater certainty, quicker decision-making, and more responsive support for our clients throughout each loan’s lifecycle.
• Flexible criteria: While many banks are tightening across the board, we still assess each case on its own merits and structure loans to make them work. Instead of relying on rigid, one-size-fits-all rules, we take the time to understand the full picture: the business model, the property, and long-term plans. This allows us to identify strengths that traditional lenders might overlook and tailor terms with exit strategies suitable for each situation. If there is a sensible way to get a loan done, we will work to find it.
• Speed and certainty: With streamlined approval processes and direct access to decision-makers, we can act swiftly and provide clarity when others slow down.

In a market where bank products can vanish overnight, having a reliable, privately funded lender that continues to lend is essential. Inflow keeps supporting bridging and development finance, providing brokers and borrowers with the certainty of funding to keep projects (and the market) moving.