So You Grow Capital

Completed transaction

£1.6m acquisition & development facility

Fulham, London

Owner-funded bridging finance supporting the acquisition and development of a consented mixed-use scheme.

£1.6m Facility • £2.7m Existing Value • £5.0m GDV • First Charge

Transaction overview.

Loan amount £1.60 million
Property value £2.70 million
LTV 59%
Purpose Acquisition & development
Property type Mixed-use development site
Security First Charge
Term 12 months
Status Completed

The opportunity

Funding a consented mixed-use development in West London.

The borrower required an owner-funded bridging facility to acquire a development site in Fulham with the benefit of full planning permission for a mixed-use scheme.

The proposed development comprised three commercial units and five self-contained residential apartments, creating a project with significant value creation potential in a well-established London location.

Our approach

Looking beyond the site value.

We assessed the opportunity by considering the quality of the location, the planning consent, the proposed development strategy and the borrower’s experience.

With a current site value of £2.7 million and a projected Gross Development Value of £5 million, the transaction offered a clear development proposition supported by strong underlying fundamentals.

As an owner-funded lender, decisions were made directly by the people providing the capital, enabling a straightforward process and certainty from enquiry through to completion.

Outcome

Supporting the delivery of a mixed-use development.

The completed £1.6 million facility enabled the borrower to acquire the site and progress a consented mixed-use redevelopment in Fulham.

The project will deliver three commercial units and five residential apartments, demonstrating our ability to support development opportunities where planning, location and commercial judgement combine to create long-term value.

Transaction highlights

  • £1.6m facility
  • £2.7m site value
  • £5.0m gross development value
  • Acquisition & development
  • Mixed-use development site
  • Planning consent in place
  • 3 commercial units
  • 5 residential apartments
  • First Charge security

Why we backed this opportunity.

Planning in place

The site benefited from planning permission for a mixed-use development, providing a clear route to value creation.

Significant development potential

The proposed scheme increased the site’s value from £2.7 million to a projected £5 million GDV, reflecting substantial development upside.

Prime West London location

Fulham’s established residential and commercial market supported the long-term attractiveness of the completed scheme.

Direct decision-making

Owner-funded capital enabled a clear lending decision and certainty throughout the transaction.

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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