Finish & Exit

Up to

70% LTGDV

Rates from 0.85%
Up to 18 months term
Part complete schemes
100% funding

Flexible funding for part-completed developments

Finish and exit finance provides the additional capital required to bring a scheme through to completion. Facilities are structured to refinance existing liabilities where needed while funding the final stages of construction and supporting a clear path to exit.

Product Guide

Deals we fund

Colenko supports a wide range of development projects with finish and exit funding, helping developers refinance existing facilities and secure the capital needed to complete their scheme.

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Ground-Up Developments

Residential Conversions

HMO Conversions

Mixed-Use Conversions

Key facts

Loan amount	£300,000 to £2 million
Loan term	Up to 18 months
Monthly rate	From 0.85% per month
Interest	Option to part service
LTGDV	Up to 70%
LTC	Up to 90%
Security	First charge
Ownership	Individual or SPV
Region	England and Wales

Full Product Guide

Our process

Every project follows a clear three-stage process, from evaluating the remaining works to structuring the funding and delivering the facility.

1. Evaluate

We assess the current scheme with a focus on the total cost required to bring the project to completion, along with the timing of cashflows throughout the remaining works.

2. Optimise

We structure a facility that replaces existing debt, covers the cash required for the next stage of works, and funds the remainder of the project through to practical completion.

3. Execute

We work closely with all parties to ensure effective monitoring, clear communication around expenditure and build claims, and the timely release of funds.

Contact our sales team

Mark Marlow

Head of Sales
mark@colenko.com
020 4576 9470

Lee Moran

BDM, London and South
lee@colenko.com
020 7948 9706

Why choose Colenko?

Choosing a lender is about more than rate. With Colenko, you gain a proactive partner, clear communication at every stage, and the necessary experience to keep your transaction moving from first conversation through to completion.

Clarity

We lend with a clear understanding of your circumstances, providing full transparency on what we can offer. By assessing your situation thoroughly, we deliver funding that works from the outset.

Communication

We keep you informed throughout the process with clear, straightforward updates. You can move forward with confidence, supported by consistent and reliable communication.

Commitment

When we issue terms, we stand behind them. We navigate complexity, overcome challenges, and remain committed every step of the way to ensure your loan progresses smoothly to completion.

Highly Commended Bridging Lender of the Year 2025 NACFB

What our clients say

Here’s what clients say about working with Colenko. From first conversation to completion, we focus on clear communication, practical solutions, and keeping deals moving.

“I had a really positive experience with Colenko. The team stepped in and helped complete the deal smoothly. They were proactive throughout and communication was clear from start to finish. The process was well managed and efficient. I’d happily recommend them.”

Marianne, Kensington

“Our broker recommended Colenko and, given our tight timeframe and first auction purchase, we were initially a little hesitant. However, the team were excellent from the start. They were supportive, attentive and kept us updated while guiding us through the process.”

Olu, Lewisham

“We’ve worked with Colenko on several transactions and the experience has always been smooth. The team act quickly to ensure deals complete on time, even with tight auction deadlines. Their responsiveness and efficiency make the whole process straightforward.”

Michael, Oxford

Frequently asked questions

How does a Finish and Exit loan work?2026-03-04T10:40:54+00:00

How does a Finish and Exit loan work?

A finish and exit loan provides funding to refinance an existing lender and finance the remaining works required to reach practical completion. The facility is structured around the outstanding costs of the project and the expected timing of those works. Specialist lenders will assess the scheme, the remaining budget and the anticipated exit strategy before structuring the facility.

Can I raise funds for a refurbishment project part-way through?2026-03-04T10:41:07+00:00

Can I raise funds for a refurbishment project part-way through?

Yes. Finish and exit funding can be introduced part-way through a project to provide additional capital for the remaining works. It may also be used to refinance an existing loan while securing the funds needed to complete the refurbishment.

Can I use a Finish and Exit loan to replace an existing lender?2026-03-04T10:41:22+00:00

Can I use a Finish and Exit loan to replace an existing lender?

Yes. These facilities are commonly used to refinance an existing lender. However, an incoming lender will typically only proceed if they are also able to provide the funding required to complete the project and if the scheme remains commercially viable.

Can I use a Finish and Exit loan if I have self-funded at the outset?2026-03-04T10:41:36+00:00

Can I use a Finish and Exit loan if I have self-funded at the outset?

Yes. Developers who have initially funded a project using their own capital can introduce finish and exit funding later in the scheme. This can provide additional liquidity and support the remaining works through to completion, subject to the lender’s assessment of the project.

How do lenders assess a Finish and Exit loan?2026-03-04T10:46:56+00:00

How do lenders assess a Finish and Exit loan?

Lenders will review the current stage of the development, the remaining works and the total cost required to complete the project. They will also consider the experience of the developer and the proposed exit strategy, such as sale or refinance.

Let's discuss your project

Speak with our team to explore how finish and exit funding could help bring your development to completion.

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