Completed transaction
£585k vacant commercial acquisition
Kingston upon Thames
Owner-funded bridging finance supporting the acquisition of a vacant commercial property with refurbishment and asset enhancement potential.
£585k Facility • 51% LTV • First Charge • 6 Month Term
Transaction overview.
The opportunity
Acquiring a vacant commercial property with repositioning potential.
The borrower required an owner-funded bridging facility to acquire a vacant commercial property in Kingston upon Thames.
The property offered an opportunity to secure a well-located commercial asset and implement a strategy focused on refurbishment, leasing and long-term value creation. Unlike an income-producing investment, the opportunity centred on unlocking the property’s future potential through active asset management.
Our approach
Assessing opportunity beyond current occupation.
Vacant commercial properties often require a different lending approach to fully let investments.
We assessed the strength of the location, the quality of the underlying security and the borrower’s proposed strategy for improving and repositioning the asset. With a conservative 51% loan-to-value ratio, the transaction provided a strong security position while allowing the borrower to complete the acquisition with confidence.
As an owner-funded lender, decisions were made directly by the people providing the capital, ensuring clear communication and certainty throughout the transaction.
Outcome
Supporting the acquisition of a value-add commercial asset.
The completed £585,000 facility enabled the borrower to acquire a vacant commercial property and progress plans to enhance its long-term investment value.
The transaction demonstrates our willingness to support commercial acquisitions where the opportunity lies not only in the existing asset, but also in the borrower’s ability to reposition and improve the property.
Transaction highlights
- £585,000 facility
- £1.15m property value
- 51% LTV
- Commercial purchase
- Vacant commercial property
- Asset repositioning opportunity
- First Charge security
- 6-month facility
Why we backed this opportunity.
Vacant asset with potential
The property offered clear opportunities to create additional value through refurbishment and future occupation.
Prime commercial location
A well-positioned commercial property providing strong underlying security and long-term investment appeal.
Commercial assessment
The opportunity was assessed on the property’s future potential and the borrower’s strategy rather than relying solely on existing income.
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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