Completed transaction
£520k commercial purchase
Enfield, London
Owner-funded bridging finance supporting the acquisition of a prominent retail investment with future income potential.
£520k Facility • 45% LTV • First Charge • 6 Month Term
Transaction overview.
The opportunity
Acquiring a prominent retail asset with future income.
The borrower required a £520,000 owner-funded bridging facility to acquire a prominent retail property in Enfield Town.
Although the property was being acquired prior to completion of a new letting, the investment strategy centred on securing a commercial tenant and enhancing the property’s long-term value through active asset management.
Our approach
Assessing today’s asset and tomorrow’s potential.
We assessed the opportunity by considering the property’s prominent High Street location, the proposed letting strategy and the scope to improve the upper floors over time.
With a conservative 45% loan-to-value ratio, the facility provided strong security while giving the borrower the certainty required to complete the acquisition.
As an owner-funded lender, decisions were made directly by the people providing the capital, ensuring a straightforward process from enquiry through to completion.
Outcome
Funding a commercial investment with future potential.
The completed £520,000 facility enabled the borrower to acquire a well-located retail property and implement an investment strategy focused on generating rental income and enhancing the asset over the longer term.
The transaction demonstrates our ability to support commercial acquisitions where location, future income potential and commercial judgement underpin the lending decision.
Transaction highlights
- £520,000 facility
- £1.15m property value
- 45% LTV
- Commercial purchase
- Retail investment
- Prominent High Street location
- Future letting strategy
- First Charge security
- 6-month facility
Why we backed this opportunity.
Prime retail location
A prominent High Street position in Enfield Town supported the property’s long-term investment appeal.
Future income potential
The investment strategy included securing a commercial tenant, creating a long-term income-producing asset.
Asset management opportunity
The property also offered scope to improve the upper floors, providing additional long-term value enhancement.
Direct decision-making
Owner-funded capital enabled a prompt lending decision and certainty from enquiry through to completion.
Every opportunity is assessed on its own merits.
This completed transaction is provided as an example of the types of opportunities we support. Every enquiry is assessed individually, taking into account the security, borrower, exit strategy and overall commercial merits of the transaction.
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