The Challenge

Portway Finance was contacted late on a Friday evening by a portfolio landlord who urgently required funds to complete an agreed purchase of a new commercial asset. The client intended to raise capital against an unencumbered investment property valued at £400,000, but her original funding source fell through at the last minute.

With just one week to secure the money, and a firm completion date set for the following Friday, the client needed a funding solution that was fast, reliable, and free from typical valuation or legal delays.

Our Solution

Leveraging our strong relationship with a specialist bridging lender, Portway Finance arranged a 1st charge bridging loan featuring:

• No valuation required (AVM used instead)
• No upfront legal fees
• Instant underwriting decisions

A simple enquiry was submitted on Monday, the automated valuation (AVM) was completed immediately, and the lender issued a full indicative offer by Tuesday. Final checks were completed swiftly, and funds were in the client’s account by Thursday lunchtime.

The Outcome

A £175,000 bridging loan was completed from application to drawdown in just three days, enabling the client to meet her purchase deadline without disruption.

The streamlined process, minimal requirements, and rapid turnaround allowed the client to proceed confidently with the acquisition. Impressed with the speed and execution, she has since returned to Portway Finance with a further application for a refurbishment project.

This case highlights our ability to deliver exceptionally fast, no-nonsense bridging solutions when clients face immovable deadlines and urgent funding needs.