Inspired Lending
An own-book bridging lender funded by Pears family capital, writing £250k to around £6.3m of unregulated first and second charge facilities from 0.79 per cent a month.
What they do
Inspired Lending launched in England and Wales in late 2023, added Scotland in 2024, and lends its own money through a joint venture with private family capital rather than drawing on external funding lines with their covenants. Products cover unregulated bridging, refurbishment finance and a revolving facility charged at 0.89 per cent a month on the drawn balance with a two per cent arrangement fee on the limit and a modest annual renewal fee. Bridging and refurbishment start at 0.79 per cent a month.
Where they fit in a lower-mid-market raise
The revolving facility is the interesting product: a property-secured line a borrower can draw and repay, paying only for what is used, which behaves more like an overdraft than a bridge. For a developer or investor running several small transactions a year, that removes the cost and delay of arranging each one separately.
Where they are not the fit
Facilities reach into the low millions rather than the top of a £3–15m raise. Lending is business-purpose and unregulated only, secured on UK real estate, so a trading business borrowing on cashflow has no route. The lender is young, with a track record measured in a couple of years.
Published terms
- Pricing
- Bridging/refurb from 0.79% pcm (cut 16-Mar-2026 from 0.89%); revolving facility from 0.89% pcm on the drawn balance, 2% arrangement fee of the facility limit, 0.5% annual renewal fee, no non-utilisation fees. Max 70% loan to value.
- Speed to terms
- Not published
- Sponsored or sponsorless
- Lends to property investors, developers, landlords and corporates/SPVs on first/second-charge UK real-estate security; asset/loan to value-led, not EBITDA/cash-flow-led
- Where they lend
- UK-wide: launched England & Wales (Nov-2023), entered Scotland 10-Jul-2024 (Scots solicitor panel via Wilson McKendrick). Deals evidenced across Surrey, the Cotswolds, London (Brixton), Bedfordshire and Banbury
- How they decide
- Direct own-book principal decisions off Pears-family capital with no external funding-line covenants; broker-distributed; positions on speed and certainty for straightforward, lower-loan to value deals. Authority is delegated below committee on at least part of the book
- Search funds and ETA
- No published route for search-fund or first-time acquirer borrowers
As published by the lender and last reviewed August 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
Inspired Lending lends through 3 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Inspired Lending lends, but which of these would own it.
Unregulated bridging
- Facility
- £250k to £6.3m
- Security
- First (and second) charge over residential, commercial, semi-commercial and industrial property; up to 70% loan to value; can take additional portfolio security; short-term, to ~18-24 months; from 0.79% pcm (cut 16-Mar-2026 from 0.89%)
- Funds
- Acquisition · Growth · Refinance
- Rules out
- UK real-estate security required (not trading-business cashflow); Business-purpose or unregulated bridging only
Refurbishment finance
- Facility
- £250k to £6.3m
- Security
- First charge over the security property with refurb funds delivered in tranches; up to 70% loan to gross development value; to ~18 months; from 0.79% pcm
- Funds
- Acquisition · Growth · Refinance
- Rules out
- UK real-estate security required (not trading-business cashflow); Business-purpose or unregulated bridging only
Flexible funding facility (revolving credit)
- Facility
- £250k to £6.3m
- Security
- Revolving credit facility, first/second charge or combination; up to 70% loan to value (balance plus rolled interest kept within limit); to 24 months; from 0.89% pcm on the drawn balance, 2% arrangement fee of the facility limit, 0.5% annual renewal,.
- Funds
- Acquisition · Growth · Refinance
- Rules out
- UK real-estate security required (not trading-business cashflow); Business-purpose or unregulated bridging only
How they sit against the category
- Its published ceiling is £6.3m; 56 of the 75 property-backed lenders here go at least as high.
- 65 of the 75 publish an indicative price at all; it is one of them.
- It lends through 3 distinct desks, where most firms here run one or two.
Counted across the 75 property-backed lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does Inspired Lending write?
Published facilities run £250k to £6.3m. A band is what a lender states it will do, not what it will do on a given credit.
Does Inspired Lending lend to search funds or ETA buyers?
Not on the published evidence. Inspired Lending publishes no route for search-fund or first-time acquirer borrowers. A searcher's route to a lender usually runs through the quality of the target and the equity behind it.
Where does Inspired Lending lend?
UK-wide: launched England & Wales (Nov-2023), entered Scotland 10-Jul-2024 (Scots solicitor panel via Wilson McKendrick). Deals evidenced across Surrey, the Cotswolds, London (Brixton), Bedfordshire and Banbury.
Sources
bridgingloandirectory.co.uk · find-and-update.company-information.service.gov.uk
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.