£1.3M Development Exit – Buckinghamshire
The borrower had a site comprising three residential units in Buckinghamshire that was approaching the end of their existing finance term. While the asset held strong value, their development plans — including extensions and internal refurbishments — were still pending planning approval.
Overview
The borrower had a site comprising three residential units in Buckinghamshire was approaching the end of their existing finance term. While the asset held strong value, their development plans — including extensions and internal refurbishments — were still pending planning approval.
Rather than rush into a premature refinance or asset sale, they turned to Acre Lane Capital for a more strategic solution.
The Challenge
The borrower needed:
◽️ To refinance an existing loan that was approaching expiry
◽️ Time to secure planning consent for extensions and upgrades
◽️ Flexibility to exit at the right moment — not under pressure
◽️ Additional capital for business purposes outside the property
A traditional lender couldn’t support all of those needs in one facility.
Our Solution
Acre Lane Capital structured a £1.3M bridging loan designed to give the borrower time, flexibility, and liquidity.
◽️ £1,300,000 loan
◽️ 70% LTV
◽️ 0.9% per month interest, rolled-up
◽️ Funds to refinance the incumbent lender
◽️ £200K equity release for business cash flow
◽️ 18-month term to secure planning and prepare for a profitable exit
The Outcome
✔ Existing debt refinanced
✔ Planning process now underway without finance pressure
✔ £200K capital released for business use
✔ Clear path to add value and exit on the borrower’s terms
Why This Matters
This deal shows how bridging finance can unlock time, opportunity, and working capital — all within one flexible facility. Acre Lane Capital works closely with borrowers to create real-world lending solutions that match both the asset and the wider strategy behind it.