Discreet Capital. Swift Execution.
Sutterson Reed is a Private Office providing short-term, property-backed bridging facilities for property developers, property professionals, investors and corporates. Structured with clarity and executed without red tape, we support time-critical acquisitions, refinances and programme gaps across residential, semi-commercial and commercial assets with quiet, coordinated counsel.
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Sutterson Reed is a Private Office for property-backed bridging finance. Quiet decisions, focused documentation and coordinated counsel deliver completion in days, without red tape. Speak with the House in confidence.
We structure bridging facilities sized for meaningful transactions — from targeted £100K interventions to multi-million mandates. Amounts are calibrated to the asset, the use of proceeds and the exit route, with disciplined documentation and coordinated counsel so funds release cleanly and on schedule.
Leverage is determined by asset quality, location, liquidity and exit certainty. On qualifying security we can advance up to 75%–80% net of fees and interest, balancing momentum with prudence. The objective is simple: enough capital to complete the transaction without compromising the viability of the exit.
For suitable projects, works and refurbishment costs may be funded in full through staged drawdowns. Each tranche is released against verified progress (valuation or QS sign-off), aligning cashflow to programme while maintaining control over quality, scope and timeline.
Time kills opportunities; process should not. We align valuation and legal work from the outset, focus the diligence pack on what matters, and run streams in parallel. The result is quiet, orderly execution that delivers capital when timing is critical — days, not months.
Bridging is temporary by design. Terms are set to match the objective — acquisition, refinance, programme gap or sale — with extension mechanics agreed in advance where appropriate. Short horizons preserve discipline; clear exit routes preserve value.
We consider prime residential, semi-commercial and commercial assets (income-producing or vacant, subject to merits). Every mandate is underwritten on its fundamentals: security, sponsor track record, business plan and market depth at exit.
Facilities are provided with private funds and are intended for professional counterparties. This enables restrained documentation, need-to-know access and a private environment — without retail processes — while maintaining the standards our clients expect.
Security is structured around the capital stack and use of proceeds. First charges offer primary protection; second charges can unlock liquidity against existing debt on qualifying assets with clear intercreditor arrangements and defined waterfalls.
Repayment profiles are set around the project’s cashflow. Interest may be serviced, retained or rolled-up as agreed; part-redemptions and prepayments are accommodated where they accelerate the exit. The aim is to keep the programme moving without straining liquidity.
Auctions demand certainty and speed. We coordinate valuation and legals in parallel so funds are available for strict completion dates, protecting deposits and enabling confident bidding on assets that fit your strategy.
Finance the period needed to complete works, achieve lettings or season income so the asset qualifies for longer-term debt. The bridge is structured around the milestones that unlock the exit, with clear covenants and timing.
Release equity from property to fund corporate activity — acquisitions, working capital, restructuring or portfolio rebalancing. Security remains the asset; the use of proceeds is aligned to the business plan, with a clear path to repayment.
Where a linked sale falls through or timelines compress unexpectedly, a bridging facility restores momentum. Liquidity is delivered quickly to honour contracts, protect deposits and keep the transaction sequence intact.
Use a bridge to refinance selectively, release equity and reposition holdings. This creates optionality to refinance on calmer terms, complete disposals without pressure and execute asset management plans that maximise value.
Provide the bridge prior to senior development debt. Early costs (design, enabling works, fees) are funded against asset value and programme, allowing the project to mobilise while the full development facility is finalised.
Bridge to exchange or complete while longer-term debt or development finance is arranged. This preserves the opportunity, secures the asset and provides the runway to finalise senior terms, planning or pre-lets without forfeiting timing.
Replace maturing or restrictive facilities with a clean, time-bound bridge. This can stabilise the capital structure, reset covenants, release headroom for works, or create the time needed to sell or refinance on improved terms.
Provide short-term liquidity for time-critical obligations — tax, probate, partner buyouts or settlement agreements — secured against suitable property. Confidential handling and coordinated counsel ensure obligations are met while preserving reputation and value.
Arrange a Private Consultation
Sutterson Reed is a Private Office for property-backed bridging finance. Quiet decisions, focused documentation and coordinated counsel deliver completion in days, secured on residential, semi-commercial and commercial assets. Speak with the House in confidence.