Inspired Lending has provided a £380,000 short-term facility to a limited company borrower in Bedfordshire, enabling the rapid buyout of a partner’s stake in a landholding within just two weeks.
The transaction was introduced by Sam O’Neill, senior bridging consultant at KIS Finance, after a mainstream lender was unable to progress the case due to failed automated valuation checks. The client’s long-owned main residence, which had been extensively improved over time, did not fit standard models for comparable sales.
Inspired structured the loan by securing a third-party legal charge against the borrower’s unencumbered residence, sidestepping the need for a full valuation. Instead, the property was inspected directly by a member of the Inspired team. Solicitors were instructed the same day, with funds released inside the two-week deadline.
The loan, priced at 0.89% per month, is expected to be refinanced against the borrower’s wider portfolio when existing fixed rates expire in 2026.
The completion follows the lender’s first loan in Scotland, a £360,000 facility provided to an experienced investor in Dumfries.
Owen Bentley, sales director at Inspired Lending, said: “This was a case where speed and structuring expertise made the difference. By taking a pragmatic approach to security and drawing on our in-house experience, we were able to deliver within tight timescales and give the borrower the support they needed to proceed with the land purchase.
“Importantly, it also shows how we can help brokers who might first turn to mainstream lenders but need a reliable alternative when deals do not fit conventional criteria.”
Sam O’Neill of KIS Finance added: “USP, service and flexibility are words often thrown around in the short-term bridging market, but too rarely backed up in practice. In this case, KIS had a long-standing client whose business needed a fast cash injection.
“Using their residential property as collateral, we approached Inspired to secure a third-party legal charge. With a hard deadline in place, we required a lender willing to take a holistic view of the client’s circumstances and wider portfolio.
“Although the property was highly valuable, online valuation tools failed to capture its worth due to extensive improvements over time. Inspired’s team visited both the property and client directly to make the deal happen.
“That personal approach is becoming increasingly rare, and it takes a smaller, agile lender to deliver it consistently.”
Inspired Lending provides short-term funding for residential and mixed-use projects, including refurbishment, conversion, development exit and capital raising.
