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This option is typically aimed at SMEs with a purchase agreed or close to exchange, plus a refurbishment plan with contractor quotes and a credible exit route. Terms are often 3 to 12 months, with some offers extending to 18 months depending on when the exit happens. Lending amounts commonly sit between £100,000 and £2,000,000, subject to LTV and risk. Pricing is often structured as interest plus arrangement and fees, with interest commonly in the broad 0.75% to 2.5% per month range.

Refurbishment-to-lease/start bridges suit businesses upgrading an existing property to achieve a letting milestone. Lenders usually look for contractor quotes or specification, evidence of ownership or leasehold interest, and a plan to refinance or repay after lease start. Typical amounts range from £50,000 to £1,500,000, often with terms of 6 to 15 months and potential extensions if the lease event moves. Typical cost may include interest plus fees, with interest commonly in the range 0.8% to 2.2% per month, depending on risk and LTV.

This type supports repeat-cycle refurbishment by bridging timing gaps between contractor spend and refinancing or sale proceeds. It is commonly used by portfolio landlords or small property groups, where eligibility depends on combined property values, track record, and how repayment will be managed across units. Typical amounts can range from £200,000 to £5,000,000. Terms are often 3 to 12 months per drawdown or project, and pricing is frequently higher than standard term debt due to short duration and risk, with interest commonly in the broad 0.75% to 2.5% per month range equivalent. Portfolio-level decisions often take longer, typically 10 to 30 working days.