Manchester Developers: Stop Losing Profit at the Finish Line with Exit Bridging Loans
If you’re a property developer in Manchester nearing the completion of your project—but waiting for sales to complete or funds to come in—development exit bridging loans could be the smartest financial tool you haven’t used yet.
These short-term, flexible loans are helping Manchester developers protect their profit margins, reduce finance costs, and get their next project off the ground without delay.
At Sunrise Commercial Finance, we work with both experienced and first-time developers across the UK, helping them make informed, profitable financing decisions.
If this is your first time hearing about development exit finance, read on. We’ll explain everything in clear, simple language.
What Is a Development Exit Bridging Loan?
A development exit loan is a short-term bridging loan designed for property developers who have completed, or nearly completed, their project and want to:
- Repay existing, expensive development finance
- Avoid costly extension fees
- Free up equity for the next project
- Wait for higher sales prices without financial pressure
It’s a financial bridge between the end of development and final sale or refinance—allowing you to finish strong, not rush the exit.
Why Manchester Developers Are Using Exit Finance
Manchester’s booming property market is full of opportunity—but also risk if projects are poorly timed or rushed through to completion and sale.
Rising demand for high-quality residential stock across areas like Ancoats, Salford, Hulme, and the Northern Quarter means you could command a premium—but only if you have time to sell right.
That’s where development exit bridging loans come in: they give you breathing space, without being forced to accept low offers or sell at auction.
Key Benefits of Our Development Exit Bridging Loans
At Sunrise Commercial Finance, we offer tailored exit loan solutions with benefits including:
- ✅ Rates from just 0.70% per month
- Cheaper than most development loan extensions.
- ✅ Loans from £500,000 to £10 million
- Covering projects of all sizes across England and Wales.
- ✅ Up to 75% LTGDV or LTV, based on Open Market Value
- Unlock more capital from your completed property’s true value.
- ✅ No exit fees
- Save thousands by avoiding costly penalties on repayment.
- ✅ Terms up to 24 months
- Ample time to sell units at market value or arrange long-term finance.
- ✅ Funding against Net Sales Proceeds available
- Ideal if you’ve already agreed sales or plan to stagger completions.
These are powerful tools for developers who want flexibility and control, especially in a fast-moving market like Manchester.
Who Can Benefit?
Development exit bridging loans are ideal for:
- First-time developers who have completed their first scheme and need more time to sell
- Experienced developers juggling multiple projects and needing to free up equity
- Contractor-developers wanting to reinvest in their next project quickly
- Investors with completed HMOs, BTL blocks, or apartment conversions
- Vendors seeking to refinance before selling or refinancing on a longer-term mortgage
Whether you’re based in Manchester, Cheshire, or the wider North West, our team can help you structure the right loan—fast.
Real-World Example: Manchester Developer Case Study
One of our Manchester-based clients had just completed a 10-unit apartment scheme in Prestwich. Their development lender was charging 1.1% per month with looming penalties for overrunning the loan term.
We secured a development exit loan at 0.72% per month, released £1.8 million based on OMV, and gave them 12 months to sell at their own pace. The result? They sold 4 units within 8 weeks at above asking price and started their next project with confidence.
Why Choose Sunrise Commercial Finance?
We’re not just brokers—we’re development finance specialists. We work with the UK’s most competitive lenders and handle the application process from start to finish. We:
- Source deals traditional banks won’t touch
- Negotiate bespoke terms based on your exit strategy
- Understand the unique needs of Manchester developers
Most importantly, we help you focus on the build and the profit, while we handle the funding.
How the Process Works
We make securing your exit loan simple:
- Initial consultation – We assess your project and sales timeline.
- Valuation based on OMV – We instruct a valuation or use an existing one.
- Funding offer – We present you with competitive terms within 48 hours.
- Legal process & drawdown – We manage the legal side to ensure fast funding (often in 5–10 days).
- Repay when ready – With no exit fees, you repay as soon as sales are completed.
It’s that straightforward.
FAQs: Development Exit Bridging Loans in Manchester
What’s the difference between development finance and exit loans?
Development finance funds the build stage. Exit bridging loans are used after practical completion to repay that finance and give you time to sell or refinance.
How quickly can I get funds?
We can secure terms within 24–48 hours and complete funding in as little as 5–10 working days.
Can I use the loan to start another project?
Yes. Many of our clients use the equity released from their completed project to fund the deposit or build costs of their next scheme.
Do I need to have sold any units to qualify?
Not necessarily. We can fund against open market value or agreed net sales proceeds if you’ve exchanged contracts.
Is a personal guarantee required?
In most cases, yes—but it depends on your project and exit route. We’ll advise the best structure for you.
Final Thoughts
Development exit bridging loans are a powerful, flexible tool for developers in Manchester who want to hold firm, maximise profits, and plan their next move confidently.
With the right finance partner, you can turn what feels like the end of a project into the beginning of your next big success.
If you’re interested in learning more about how exit finance can work for you, we’d be happy to talk.
For more information contact us for a fees free chat.
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📞 Call us at 07939 091418
📧 Email: john@sunrisecommercial.co.uk
🌐 Visit: https://www.sunrisecommercial.co.uk/
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