The Scenario

When a developer reached the end of their bridging term on a London project, their existing lender refused to extend and began charging default interest. The project involved converting a single property into three flats: two were complete, while the third remained a shell.

The client had already attempted to refinance with another bridging lender, only for the deal to collapse after a down valuation. With time pressure mounting and their options narrowing, the client turned to Inflow.

Understanding the Situation

Rather than relying solely on conventional processes, Inflow took a bespoke, pragmatic approach. We focused on the underlying asset’s strength, the exit’s viability and timing, and the specific funding profile the client needed to move the project forward. Using a desktop valuation, we were able to move quickly while still maintaining a robust view of value and risk. This flexibility allowed us to design a structure around the project rather than forcing it to fit a rigid product.

Our Bespoke Solution

We structured a tailored facility that repaid the existing lender, immediately stopping default interest from accruing, released additional funds to complete the third, unfinished unit, supported ongoing development costs through a customised development facility aligned with the build programme, and allowed part redemptions as each unit was completed and sold, reducing interest costs and improving cash flow for the client. This structure reflected Inflow’s flexible mindset: we built the facility around the asset, the client’s strategy, and the realities on the ground.

Outcome

The transaction was completed within a month, giving the client time to complete the project, control over their exit strategy, and a clear, de-risked path to full repayment through phased sales.

Where Inflow Adds the Most Value

This case shows Inflow’s pragmatic approach to lending, including: re-bridges when an existing lender won’t support the next phase; part-finished developments that need a more tailored approach; and situations where a flexible, bespoke funding structure is the difference between a stalled project and a successful exit. At Inflow, we don’t just provide finance; we design funding solutions tailored to each project, supporting clients when standard approaches fall short.