Episode 31 - Tuesday 15th September

Revolving credit, rapid bridging and commercial refinancing highlight the value of flexible funding

This week's transactions highlight continued activity across revolving credit and residential bridging, with specialist lenders supporting borrowers across both business cashflow requirements and property investment strategies.

From Inspired Lending providing a flexible revolving credit facility designed around an IT consultancy's irregular working capital needs, to TAB completing a bridging loan in just six days to refinance an investment property and release capital for future acquisitions, both transactions demonstrate the importance of flexible funding structures, efficient underwriting and speed of execution.

Below are three of the standout transactions from this week's market activity, followed by Owen Nayar's commentary on the key trends emerging across the real estate lending market.

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Inspired Lending completes £260,000 revolving credit facility for Oxfordshire consultancy

Transaction Overview:

Lender: Inspired Lending
Facility: Revolving Credit Facility
Loan Size: £260,000
Term: 24 Months
Location: Banbury, Oxfordshire

Inspired Lending completed a £260,000 revolving credit facility for an IT consultancy based in Banbury, Oxfordshire.

The 24-month facility was secured by way of a third-party second charge over a residential property owned by one of the company's shareholders. The business had previously relied on comparatively expensive unsecured borrowing to manage irregular working capital requirements, meaning additional finance had to be arranged whenever further liquidity was required.

The revolving credit facility provides a more flexible structure, allowing the business to draw and repay funds as required rather than arranging fresh borrowing each time additional cashflow support is needed.

This gives the borrower greater control over its funding position and aligns the facility more closely with the way the business operates. Repayment is expected to come primarily from cashflow generated by the consultancy, with the shareholders also demonstrating an ability to refinance the property if required.

The transaction demonstrates how specialist funding structures can provide an alternative where conventional borrowing does not necessarily align with the changing working capital requirements of a business.

Deal Team:

• Gavin Diamond, CEO, Inspired Lending.
• Owen Bentley, Sales Director, Inspired Lending.
• Nathan Wilson, Lending Manager, Inspired Lending.

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TAB completes £254,800 bridging facility in six days

Transaction Overview:

Lender: TAB
Facility: Bridging Loan
Loan Size: £254,800
Term: 6 Months
Location: Hitchin

TAB completed a £254,800 six-month bridging loan for a property investor in just six days, enabling the borrower to refinance a recently refurbished two-bedroom terraced property in Hitchin and release capital towards further acquisitions.

The property was purchased for £270,000 in January 2026, with approximately £41,000 subsequently invested in refurbishment works. The facility refinanced existing borrowing secured against the property, with surplus funds supporting the borrower's plans to acquire further properties at auction.

The proposed exit is through the sale of the property.

Although the lending proposition itself was relatively straightforward, the wider circumstances required a detailed assessment of the borrower, underlying security and proposed exit strategy.

By completing that assessment and arranging the facility within six days, TAB provided the speed and certainty required for the borrower to continue progressing their wider investment plans.

Deal Team:

• Sophie Meller, Senior BDM London, TAB.
• Omar Azami, Partner, Ploutos Associate.

Roma Finance completes £1.1 million commercial bridge in seven days

Transaction Overview:

Lender: Roma Finance
Facility: Commercial Bridging Loan
Loan Size: £1.1 Million
Leverage: 55% LTV
Term: 6 Months
Location: Denton

Roma Finance completed a £1.1 million commercial bridging facility for a commercial property in Denton within seven days.

The six-month facility was provided to Hatters Square Limited at 55% loan-to-value against a £2 million market valuation. The transaction completed through Roma's Flow commercial bridging proposition, with the lender's commercial mortgage team also assessing the potential longer-term exit.

This allowed Roma to consider not only the immediate bridging requirement but also how the borrower could potentially transition into a longer-term funding structure if the property met the relevant criteria.

The property, located on Market Street in Denton, was acquired in 2024 and is occupied by tenants operating a food and drink hall.

The facility enabled Hatters Square Limited to repay its existing lender while providing additional time to establish a stronger trading record for the property and obtain the valuation required to support its longer-term funding plans.

The transaction demonstrates the benefit of lenders being able to support borrowers across different stages of the property lifecycle. With bridging, development finance and commercial mortgage propositions available, Roma was able to consider both the immediate requirement and a potential longer-term refinance route.

Deal Team:

• Michael Allison, Commercial Director, Roma Finance.
• Michael Street, Hatters Square Limited / Word on the Street.
• Josh Berry, Hatters Square Limited.

What this week's transactions tell us about the market

This week's transactions reinforce several trends across the specialist finance and UK real estate lending markets, particularly around flexibility, speed and the ability to structure funding around a borrower's wider objectives.

Flexible funding structures continue to provide businesses with alternatives where conventional finance may not align with their cashflow requirements. Revolving credit facilities can be particularly useful where liquidity requirements fluctuate, giving borrowers the ability to draw and repay capital as needed rather than repeatedly arranging new facilities.

Speed remains equally important within the bridging market. For property investors seeking to refinance existing debt and release capital for future acquisitions, the ability to assess the borrower, security and exit strategy quickly can provide the certainty needed to keep wider investment plans moving.

Commercial bridging also continues to provide an important route towards longer-term funding. Short-term facilities can give borrowers additional time to strengthen an asset's trading position and satisfy the requirements for longer-term finance, particularly where the lender can consider the potential refinance route from the outset.

Across all three transactions, one theme remains consistent. Specialist lenders continue to differentiate themselves by understanding the borrower's wider strategy rather than focusing solely on the immediate funding requirement, combining flexible structures, practical underwriting and speed of execution to support both short and longer-term objectives.

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Why these Transactions Matter

Tuesday's Top Transactions showcases some of the most notable deals completed across the UK real estate finance market each week.

By highlighting completed transactions across bridging finance, development finance, commercial real estate lending and specialist funding solutions, the series provides brokers, lenders, developers and property professionals with valuable insight into current lending activity and evolving market trends.

More than simply reporting completed deals, each episode offers a snapshot of where lender appetite exists and how facilities are being structured to support increasingly complex borrowing requirements.

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Have a Transaction Worth Sharing?

If you've completed a notable real estate finance transaction and would like it featured in a future edition of Tuesday's Top Transactions, we'd love to hear from you.

Sharing successful deals helps showcase innovation across the market while providing valuable insight for brokers, lenders and property professionals following the latest lending activity.

To submit a transaction for a future episode, contact Owen here:

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