The Scenario

Inflow Finance provided a bridging loan to an experienced property investor and developer seeking to unlock working capital from their portfolio without selling any assets. The client required speed, flexibility, and certainty of funding to support ongoing projects and new opportunities, while keeping their existing holdings intact.

The Solution

The loan was agreed within 48 hours and secured against two London properties, comprising a six-bedroom HMO and a Use Class C2 care home. From the outset, Inflow adopted a consultative approach. Our BDM, Richard Greenland, worked closely with the client to understand their short- and medium-term objectives, anticipated cash flow profile and preferred exit route.

Collaborating with our underwriting team, we structured a bespoke facility with staged drawdowns linked to clearly defined project milestones. This ensured that funds were released in line with progress on the underlying assets, promoting disciplined capital deployment and reducing unnecessary funding costs.

Throughout the process, Inflow provided hands-on case leadership, coordinating with the client to maintain momentum and promptly address any issues. Our pragmatic, solutions-focused approach ensured that valuation, legal work, and documentation remained aligned with the client’s timescales while upholding risk management standards.

This case highlights Inflow’s ability to deliver flexible, tailored funding for professional property investors, combining speed of execution with a robust structure and clear exit options. This enables the client to unlock capital and redeploy it into new opportunities while retaining control of their assets.

The case demonstrates Inflow’s ability to deliver flexible, bespoke funding and hands-on case leadership from initial structuring through to completion.