Inhale Capital Completes £634k Bridging Loan for Nottingham Semi- Commercial Purchase

The Client’s Situation

The borrowers, repeat clients of Inhale Capital, were seeking to acquire a semi-commercial property comprising office space alongside residential units. With an imminent purchase deadline, they required quick access to capital while keeping both costs and delays to a minimum.

The agreed purchase price was £620,000, and the borrowers needed a funding solution that maximised borrowing capacity without requiring a full property valuation, thereby saving both time and expense. In addition to the main asset, we also took security over a separate car park generating rental income of approximately £78,000 per annum, which further strengthened the overall security position.

Our Approach

Following a review of the transaction, we structured a semi-retained facility that enabled the clients to raise capital against the additional security, increasing the combined security value to over £1 million and optimising lending capacity.

Key features of the deal:

• Loan Amount: £634,000.00

• Term: 12 months, semi-retained facility

• Exit Strategy: Refinance

• Valuation: No full valuation required, reducing costs and accelerating completion

Results

• Purchase completed quickly, avoiding delays

• Capital raised efficiently against additional security, including income-producing land

• Facility structured to support a refinance exit

• Streamlined process saved both time and cost

  
  

By focusing on the strength of the overall security - including the income-producing car park - and removing the need for a full valuation, we delivered a fast and efficient funding solution well suited to experienced borrowers familiar with the bridging process.