£850K commercial bridging loan for care home purchase and renovation
£850k · 65% LTV · 15-month commercial bridge
In short
How was £850K commercial bridging loan for care home purchase and renovation financed?
Clifton International arranged commercial bridging loan for this Dronfield transaction — £850k, 65% LTV, 15-month commercial bridge. We structured a 15-month commercial bridge to fund purchase plus staged refurbishment, with a clear refinance route once the home was CQC-registered and trading. £850k commercial bridging loan, 65% LTV, 15-month term, interest serviced monthly.
- Location: Dronfield. Finance type: Commercial bridging loan.
- Headline terms: £850k · 65% LTV · 15-month commercial bridge.
- An experienced operator sought to buy a vacant care home requiring refurbishment. With no trading history at the target site, high street commercial lenders required 12 months of accounts before offering long-term debt.
- Care home acquired, refurbished and operational; refinanced onto a long-term commercial investment facility ahead of the bridge maturing.
- Loan amount
- £850,000
- LTV
- 65%
- Term
- 15 months
- Interest
- Serviced monthly
- Exit
- Commercial investment refi
- Location
- Dronfield
- Challenge
- An experienced operator sought to buy a vacant care home requiring refurbishment. With no trading history at the target site, high street commercial lenders required 12 months of accounts before offering long-term debt.
- Solution
- We structured a 15-month commercial bridge to fund purchase plus staged refurbishment, with a clear refinance route once the home was CQC-registered and trading.
- Funding structure
- £850k commercial bridging loan, 65% LTV, 15-month term, interest serviced monthly.
- Outcome
- Care home acquired, refurbished and operational; refinanced onto a long-term commercial investment facility ahead of the bridge maturing.
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