Unlock Your Cashflow: Market-Leading Development Exit Bridging Loans Up to 75% LTV at Just 0.7% pm!
What Are Development Exit Bridging Loans?
Property development is an exciting yet capital-intensive venture. Once construction is complete, developers often find themselves in a tricky financial position. They may need more time to sell completed units, refinance, or move on to their next project—but traditional lenders often don’t offer the flexibility they need.
This is where development exit bridging loans come in. They provide short-term financing to developers who need to transition smoothly from the completion of their project to selling units or arranging longer-term finance. Unlike standard development finance, which typically expires once the project is completed, a development exit loan extends financial support, allowing developers to maximise profits without the pressure of rushed sales.
The Challenge: Funding the Gap Between Completion and Sales
Once a new-build development is completed, developers need to repay their existing development finance. However, selling units can take time, and waiting for buyers can leave developers facing cash flow issues.
How Development Exit Bridging Loans Help:
✅ Offering a short-term financial solution to replace expensive development finance.
✅ Providing breathing space to sell at market value instead of at a discount due to financial pressures.
✅ Ensuring developers avoid costly penalties from overdue development loans.
✅ Allowing time to secure long-term refinancing without rushing into an unfavorable deal.
✅ Enhancing a developer’s financial profile by reducing the overall cost of finance.
The Solution: Market-Leading Development Exit Bridging Loans
We arrange fast, flexible, and competitive development exit loans with market-leading terms. Our product is assessed against key criteria to justify a higher Loan-to-Value (LTV) and ensure a well-structured, risk-managed facility.
Key Features:
✅ Up to 75% LTV – Unlock more capital tied up in your completed development.
✅ Rates from just 0.7% per month – A highly competitive rate that enhances profitability.
✅ Loan terms up to 24 months – Provides flexibility and ample time to sell your units.
✅ No exit fees – Keep more of your profits without penalty.
✅ Lending on Open Market Value (OMV) – Based on lending on actual market value rather than restricted valuations.
✅ Foreign nationals and complex structures welcome – We are experienced in working with international investors and complex corporate arrangements.
✅ Multiple securities accepted – Use additional assets to strengthen your loan application.
✅ Adverse credit considered – Cases are assessed individually to find the right solution for you.
✅ Loan sizes from £500k to £10m – Suitable for a range of developments, from small-scale projects to large multi-unit schemes.
How Lenders Assess Development Exit Loans
To qualify for a development exit loan, lenders focus on key factors that justify lending at a higher LTV, ensuring the loan is structured safely. The decision is based on:
- Definitive Exit Strategy – A clear plan for repaying the loan, whether through property sales or refinancing.
- Strong Market Location – The development must be in an area with proven demand for new builds.
- Demonstrated Market Liquidity – Evidence of units already sold or strong interest at market value to support the valuation.
- Borrower’s Track Record – Experienced developers with a history of successful projects are often favoured, but first-time developers can still qualify with strong supporting evidence.
- Development Quality – Lenders assess the build quality, ensuring the development meets market expectations and regulatory standards.
Why Choose a Development Exit Loan Over Traditional Refinancing?
Traditional refinancing options such as buy-to-let mortgages or commercial term loans often take months to arrange, and they may not offer the LTV or flexibility needed. Development exit loans, on the other hand:
- Can be arranged quickly (often within weeks).
- Offer higher LTVs to release more equity.
- Provide short-term breathing space before transitioning to long-term finance.
- Allow developers to wait for optimal market conditions to sell units at the best price.
- Help developers maintain strong financial standing by avoiding overdue payments on existing development finance.
The Importance of Timing in Property Development
In property development, timing is everything. Selling too quickly under financial pressure can lead to lower returns, while delays in securing financing can result in penalty charges or lost opportunities. A development exit bridging loan allows developers to control the timing of their sales and refinancing, ensuring they can capitalise on favourable market conditions.
For example, in a strong market, waiting even a few months can lead to higher property values and better offers. A well-structured exit loan ensures developers are not forced to accept below-market offers just to cover their financial obligations.
Who Can Benefit From a Development Exit Bridging Loan?
- Property developers who need to repay development finance but aren’t ready to sell at a discount.
- Investors looking to increase their available capital to start a new project.
- Developers who want to avoid high-interest development finance extensions.
- Foreign investors and complex corporate structures seeking flexible solutions.
- Developers looking to expand their portfolio by reinvesting equity into new projects.
- First-time developers who have completed their first project and need financial breathing space.
Why Work With Us?
At Sunrise Commercial Finance, we specialise in tailored property development finance solutions. With years of experience in bridging loans and development finance, we understand the challenges developers face. Our expertise allows us to secure the best terms, ensuring you get the financial support you need when you need it most.
Benefits of working with us:
✔ Fast decision-making – We move quickly to ensure you get the funds when you need them.
✔ Access to a wide range of lenders – We find the best solution tailored to your needs.
✔ Expert support – Our experienced team guides you through the process.
✔ Competitive terms – We negotiate the best possible rates for our clients.
✔ Personalised approach – Every deal is structured based on your specific requirements.
🚀 Get in touch today to find out how we can help you unlock cashflow and maximise returns on your development projects!
📞 Call us at 07939 091418
📧 Email us at john@sunrisecommercial.co.uk
🌍 Visit us at https://www.sunrisecommercial.co.uk/
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