Stratbourne Capital operates in the UK and Ireland, offering alternative funding solutions to that of the mainstream banks, secured primarily by real estate. Bridging finance has become an essential tool for property investors, developers and entrepreneurs who need quick access to capital.
How Short-Term Finance Enables Strategic Property Repositioning
For investors and developers, bridging finance fills the gap between acquisition and stabilisation, providing the capital needed to acquire underutilised assets quickly and convert them to maximise the income potential. In this context, short-term facilities are typically used to:
- Quickly acquire an already income producing asset before longer term, mainstream finance becomes available;
- Use funds for capital expenditure or refurbishment works to enhance the value of the asset thereby creating the opportunity to generate more income;
- Assist with planning for value-enhancing permissions; and
- Allow for a re-letting period before transitioning to a long-term facility
The key is speed and flexibility, enabling investors to act on time-sensitive opportunities and de-risk execution before refinancing. To read more about why speed matters in the property market, a blog written by our Head of UK Bridging, Adam Forman may be of interest: why-speed-matters-the-importance-of-quick-lending-in-the-2025-property-market/
Case Study: Multi-Unit Residential Refurbishment
Stratbourne Capital recently completed a loan with an experienced property investor who had identified an underutilised opportunity – a substantial 8-9 bedroom property, requiring comprehensive refurbishment. This included rewiring, re-plumbing, fire compliance upgrades, communal area improvements, and layout optimisation. The property was being sold at auction with significant value-add potential but was not in a condition to attract mainstream bank finance.
Stratbourne Capital provided a 12-month bridge facility, the funds were used to assist with both purchasing and the refurbishment (structured with 3 monthly drawdowns) of the property. An unencumbered property was offered as additional security, bringing the Day 1 LTV to 55%.
Over the course of the loan, the property was fully refurbished with Stratbourne Capital’ QS confirming compliance with the development conditions prior to monthly drawdowns. Once completed, all the rooms were successfully let, and a term loan was secured with a mainstream bank.
In appraising the deal and supporting our decision to back the project, key factors included the borrower’s proven track record in development, location of the main security and the borrower’s exit strategy.
Why Stratbourne Capital Stands Apart
Stratbourne Capital provides both bridging and longer-term finance, designed to meet immediate funding requirements while supporting the full lifecycle of a project.
We appoint professional advisors to provide detailed reports on build costs, compliance, feasibility, and key risks. This ensures clarity for our borrowers and instils confidence in our lending decisions.
We are entirely privately funded, proactive and fully aligned with our clients’ goals. Our funding structures are tailored to each project, including staged drawdowns tied to predefined milestones. We offer flexibility to bridge timing gaps and transition to longer- term facilities once the asset is stabilised, with an amortisation profile suitable for refinancing. Pricing can be adjusted to reflect credit risk at each stage, from an initial development bridge facility to a longer-term proposition.
Ready to discuss a project? Please use the enquiry form below or email info@stratbournecapital.com and we will promptly evaluate your proposal.
