For investors improving property value through light or moderate works, refurbishment finance provides the capital to purchase and upgrade without long-term commitment. At Inceo Capital, we introduce funding solutions designed for a range of refurbishment strategies — from cosmetic modernisations to structural reconfiguration.

We work with lenders who are comfortable with:

• Properties requiring upgrades to become lettable or mortgageable
• HMO conversions and licensing
• Bridging loans with build-in refurb budgets
• Exit strategies including sale or refinance

We assist in structuring the finance to cover both acquisition and works, help align funding stages with your contractor timelines, and keep the process moving with minimal disruption. Our role is to ensure your application is packaged clearly — so funding can be secured quickly, and your plans stay on track.

We support a wide range of investor profiles — from individuals and limited companies to portfolio landlords and first-time investors. Our role goes beyond simply sourcing funding: we coordinate the entire process, from lender engagement to document packaging, ensuring a smoother, faster, and more structured experience.

Our lender relationships include those who accommodate complex circumstances, such as:

• Limited company SPVs
• First-time landlords
• HMOs and multi-unit blocks
• Holiday lets and serviced accommodation

We stay actively involved through every stage of your transaction, working to save you time and secure terms that match your goals.