Bridging Finance for a Fast Off-Market Property Purchase

Positive Commercial Finance specialises in arranging Bridging Finance for buyers who need to complete property purchases quickly. This case study shows how we helped a client secure funding within 10 days, enabling them to purchase a discounted off-market property before the opportunity was lost.

The Challenge

Our client was offered a property at a substantial discount through an off-market opportunity.

However, there was one condition. The seller required completion within two weeks.

The client wanted to act quickly, but there was another challenge.

Although they had the cash available for the deposit, they also had a small amount of historic adverse credit. While the issues were relatively minor, they were recent enough to concern some lenders.

The client therefore needed a lender that could:

• Complete within a tight deadline.
• Take a pragmatic view of historic adverse credit.
• Provide a competitive bridging loan.
• Keep the purchase on track.

Our Solution

Positive Commercial Finance approached a specialist Bridging Finance lender with a proven track record of completing transactions quickly and considering applications with minor adverse credit.

Because the client knew the local property market well, they were confident the valuation would support the agreed purchase price.

This allowed the valuation and legal work to begin at the same time, saving valuable days during the transaction.

By carefully managing the process and working closely with the lender, we kept the application moving from start to finish.

As a result, the loan completed in just 10 days, allowing the client to secure the property before the deadline expired.

Deal Structure

• Loan to Value (LTV): 70%
• Interest Rate: 0.65% per month
• Arrangement Fee: 2%
• Exit Fee: None
• Term: 6 months
• Credit Profile: Minor historic adverse credit accepted

The Outcome

The client completed the purchase within the required timescale and secured a discounted off-market investment opportunity.

By working with a lender that understood the circumstances and could move quickly, Positive Commercial Finance delivered a funding solution that kept the transaction on schedule despite the client’s previous adverse credit.

This case study demonstrates how Bridging Finance can help buyers complete fast property purchases, even where time is limited and the credit profile is not perfect.