“By taking a pragmatic approach to security and drawing on our in-house experience, we were able to deliver within tight timescales and give the borrower the support they needed to proceed with the land purchase”
– Owen Bentley – Inspired Lending
Inspired Lending has completed a £380,000 facility for a limited company borrower in Bedfordshire, enabling the rapid buyout of a partner’s shares in a parcel of land. The deal was concluded within two weeks to meet a fixed deadline.
The case was introduced by Sam O’Neill, senior bridging consultant at KIS Finance. It was initially placed with a mainstream lender, but the process stalled when automated valuation checks failed. The client’s main residence, which had been extensively improved over time, lacked comparable sales data, leading to difficulties in securing approval.
O’Neill sought alternative funding options, and Inspired Lending structured the loan by placing a third-party legal charge on the borrower’s unencumbered residence. This avoided the need for a full valuation. Instead, a member of the Inspired team assessed the property directly. Solicitors were instructed on the same day, allowing completion within the two-week timeframe.
The loan, priced at 0.89% per month, is expected to be refinanced against the borrower’s wider portfolio once fixed-rate terms end in 2026.
This transaction follows Inspired Lending’s recent first loan in Scotland, where it provided a £360,000 facility to an experienced property investor in Dumfries. The lender offers short-term funding for residential and mixed-use property projects, including refurbishment, conversion, development exit and capital raising.
“This was a case where speed and structuring expertise made the difference,” said Owen Bentley, sales director at Inspired Lending (pictured). “By taking a pragmatic approach to security and drawing on our in-house experience, we were able to deliver within tight timescales and give the borrower the support they needed to proceed with the land purchase. Importantly, it also shows how we can help brokers who might first turn to mainstream lenders but need a reliable alternative when deals do not fit conventional criteria.”
“USP, service and flexibility are words often thrown around in the short-term bridging market, but too rarely backed up in practice,” explained Sam O’Neill, senior bridging consultant at KIS Finance. “In this case, KIS had a long-standing client whose business needed a fast cash injection. Using their residential property as collateral, we approached Inspired to secure a third-party legal charge. With a hard deadline in place, we required a lender willing to take a holistic view of the client’s circumstances and wider portfolio.
“Although the property was highly valuable, online valuation tools failed to capture its worth due to extensive improvements over time. Inspired’s team visited both the property and client directly to make the deal happen. That personal approach is becoming increasingly rare, and it takes a smaller, agile lender to deliver it consistently.”
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