Why quality matters more than volume in bridging finance
By Rob Goodall
If you went to the pub for a pint of bitter and were handed a glass of rosé instead, you probably wouldn’t accept it.
If you’d paid to watch United and Liverpool walked out, you wouldn’t be impressed either. The point is simple – don’t accept second best.
Always strive for quality. That applies to bridging too. Quality isn’t just about speed or pricing; it’s about the quality of the enquiries coming through and the thinking behind them.
Recently there’s been a noticeable rise in second-charge enquiries and re-bridging scenarios.
Activity is good, but it often reflects borrowers finding exits harder to achieve, timelines slipping, or existing lender positions needing more time than originally planned.
That naturally shifts the profile of deals – more complexity, more moving parts, and a greater need for realistic underwriting rather than optimistic assumptions.
For me, it reinforces a simple principle: At Inhale Capital, we focus on quality over volume.
Understand the story, stress-test the exit, and make sure the finance genuinely solves a problem rather than just postponing one. Because in bridging, the best deals aren’t the quickest – they’re the ones that exit exactly as planned.
Rob Goodall is CEO of Inhale Capital and a Chartered Surveyor with over 30 years experience across property investment and specialist lending, having held senior leadership roles at leading UK bridging lenders.
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