£3M Development Exit Bridge – Oxfordshire

Overview

A developer in Oxfordshire had completed two luxury riverside homes but was struggling to secure sales within the time frame of their existing funding facility. Facing pressure, they needed a lender who could not only refinance the existing debt, but also provide the breathing space required to sell the homes properly.

The Challenge

◽️ Previous facility was expiring with the properties unsold.
◽️ Required more time to execute a proper marketing strategy and avoid forced discounts.
◽️ Faced an unexpected need for £80K in last-minute costs just before closing the new facility.

Our Solution

Acre Lane Capital stepped in with a £3 million bridge loan, structured over 14 months, directly aligned with the borrower’s updated sales plan. When the additional £80K was needed the day before completion, Acre Lane quickly adjusted the facility — demonstrating our flexibility.

The Outcome

✔ Refinance of the original debt, removing immediate time pressure.
✔ A tailored 14-month term, giving the borrower room to sell for full value.
✔ £80K additional capital raised at the last minute to cover urgent costs.
✔ Properties now on the market for a combined £6 million with no forced timeline.

Why This Matters

This is a standout example of how Acre Lane Capital delivers real-world solutions, not just loan products. By tailoring both the structure and the timing — and by stepping up when unexpected costs threatened completion — we helped the borrower protect their investment and position the properties for optimal sales.