The brief Our solution Underwriter quote We worked closely with all parties to understand the client's requirements and tailor an appropriate solution. Our underwriter on the case crafted a 12 month facility, releasing £2.2 million on day one and £900,000 in further advances to ensure that all of the houses were completed to the highest possible standard. The client required funding to refinance the existing debt on fourteen new build houses in Lincolnshire, England, all in varying stages of completion. Funding was also required to complete the build on the unfinished properties and to start work on their next project. Borrowers requiring finish and exit funding for their part complete projects generally need to access such funds quickly and at rates that don't threaten their profit margins. Fulfilling this criteria can be difficult, which is why we encourage brokers to speak to us first. Our principal-led funding model and industry-leading rates mean that we can move quickly to underwrite the best deals. What's more, our unique set up whereby our underwriters handle each case from initial enquiry to completion makes us apt to spot effective routes forward that a lot of lenders miss. BACK TO PROJECTS BACK TO PROJECTS Light Development Loan CASE STUDY FINISH & EXIT: 14 NEW BUILD HOUSES £3.2 MILLION 75% LTV 0.78% PER MONTH

OUR APPROACH Lightbulb Magnifying Glass Fair logo EXPERT FAST BESPOKE HONEST AFFORDABLE FAIR We are specialists and know bridging finance inside out With principal-led funding and a focus on exceptional service, we deliver transparent loans with highly competitive rates at a speed that cannot be beaten. Our mandated underwriters aim to provide credit-backed terms in just one hour. We tailor-make each loan to the individual requirements of the client. Our cost structure is always straightforward, transparent and made clear upfront We offer some of the lowest interest rates in the market, with no admin or exit fees. We reject ERCs and believe in rebating interest on a daily basis for loans repaid early. Money Bag Cogs Stopwatch With principal-led funding and a focus on exceptional service, we deliver transparent loans with highly competitive rates at a speed that cannot be beaten. Mid-term mortgages for residential investment and commercial properties. For heavy property refurbs incl. extensions, conversions, PDR schemes and finish & exit. 75% LTV residential bridging with a stepped interest rate and no exit fees or ERCs. Stepped Rate logo For purchase, refinance and / or refurb of commercial and mixed use properties. Residential bridge logo RESIDENTIAL BRIDGE For purchase, refinance and / or refurbishment of residential properties. 3 Year Loan logo Commercil bridge logo OUR PRODUCTS We specialise in bespoke, unregulated loans for up to 36 months secured against a wide range of properties across England and Wales. We provide up to £10 million and up to 75% LTV and our interest rates start at 0.79% per month. Light Development logo COMMERCIAL BRIDGE LIGHT DEVELOPMENT STEPPED RATE BRIDGE 3-5 YEAR LOAN LEARN MORE LEARN MORE LEARN MORE LEARN MORE LEARN MORE LEARN MORE WELCOME TO EXTRAORDINARY BRIDGING Funding 365 is one of the UK’s largest independent bridging lenders. We believe in transparency and fairness, and combine highly competitive, tailored funding solutions with award-winning service. OUR PRODUCTS We specialise in bespoke, unregulated loans for up to 36 months secured against a wide range of properties across England and Wales. We provide up to £10 million and up to 75% LTV and our interest rates start at 0.79% per month. RESIDENTIAL BRIDGE COMMERCIAL BRIDGE LEARN MORE LEARN MORE From 0.89% pm From 0.79% pm LIGHT DEVELOPMENT LOAN STEPPED RATE BRIDGE LEARN MORE LEARN MORE From 0.79% pm From 0.75% pm 3-5 YEAR LOAN LEARN MORE From 9.99% pa COMPARE PRODUCTS OUR APPROACH With principal-led funding and a focus on exceptional service, we deliver transparent loans with highly competitive rates at a speed that cannot be beaten. EXPERT FAST We know bridging finance inside out Credit-backed terms in one hour BESPOKE HONEST Each loan is tailor made to suit the client's needs Transparent, straightforward cost structure AFFORDABLE FAIR Some of the lowest interest rates, with no admin or exit fees We reject ERCs. Interest is rebated on a daily basis for loans repaid early TESTIMONIALS See what our clients have to say. LEARN MORE OUR PRODUCTS We specialise in bespoke, unregulated loans for up to 36 months secured against a wide range of properties across England and Wales. We provide up to £10 million and up to 75% LTV and our interest rates start at 0.79% per month. LEARN MORE RESIDENTIAL BRIDGE For purchase, refinance and / or refurbishment of residential properties. For purchase, refinance and / or refurb of commercial and mixed use properties. COMMERCIAL BRIDGE STEPPED RATE BRIDGE 75% LTV residential bridging with a stepped interest rate and no exit fees or ERCs. LIGHT DEVELOPMENT For heavy property refurbs incl. extensions, conversions, PDR schemes and finish & exit. 3-5 YEAR LOAN Mid-term mortgages for residential investment and commercial properties. LEARN MORE LEARN MORE LEARN MORE LEARN MORE

The brief Our solution Underwriter quote Our team created a bespoke solution, providing the full cost of works (£150,000) in three drawdowns. This, alongside the 75% LTV, enabled the borrower to begin the refurbishment immediately. The 12 month term ensured that the properties were built to a high standard and sold without fear of late penalities. The borrower required funding to purchase a dilapidated house in York, England, and undertake a complete internal refurbishment to bring it to a modern, habitable standard. This case was a great opportunity to support a fairly new developer in expanding their portfolio. Thanks to our great relationship and competitive rate, we have been able to assist this client with their subsequent development projects. BACK TO PROJECTS Light Development Case Study CASE STUDY REFURBISHMENT OF A 5 BED HOUSE £394,000 75% LTV 0.69% PER MONTH

The brief Our solution Underwriter quote Our team moved quickly to assess the liquidity of the assets and underwrite a bespoke solution. We delivered a 75% LTV solution at a rate of 0.69% per month for 9 months. Our speedy turnaround ensured that the client avoided costly extension charges. The client had an outstanding debt with a different lender over 11 newly constructed houses in Macclesfield, England. With the end of their loan term looming, the borrower needed to secure additional time to discharge planning conditions, complete the landscaping and sell the properties. We love having the opportunity to support ambitious property developers that are servicing the high demand for new housing. In this case, we were able to offer our headline rate and a loan term that fit the borrower's needs perfectly. Credit to the solicitors for their swift work in getting the case across the line. BACK TO PROJECTS Residential case study CASE STUDY REFINANCE: 11 NEWLY CONSTRUCTED HOUSES £2.1 MILLION 75% LTV 0.69% PER MONTH

The brief Our solution Underwriter quote Working around the clock with all parties, our team managed to deliver a solution the day before the deadline, saving the borrower from paying an additional month of interest on their prior borrowing. We provided a 75% LTV at a rate of 0.69%, with a 9 month loan term. This ensured a healthy profit margin for the client and ample time to sell every unit. The client, in danger of exceeding their current loan term, required urgent refinancing for 50 newly-converted apartments in Peterborough, England. The flats, which had served as an office block prior to the development project, are located in the heart of Peterborough. Despite the prime location of the assets, this was a particularly challenging brief given the multiple development funding lines that needed refinancing and the serious time constraints at play. Peterborough is going through an exciting period of regeneration and we’re pleased to have had the opportunity to contribute to its growth. Completing a complex loan like this is incredibly satisfying. Credit to the borrower, Pilot Fish Finance and all of the solicitors for their parts in helping to ensure that it completed so smoothly. Funding 365 worked in collaboration with us and our client to deliver this complex deal. We were impressed by their pragmatic and flexible approach to dealing with legal issues as and when they arose and we were delighted to get this deal over the line on time, with their support. Broker quote BACK TO PROJECTS BACK TO PROJECTS Residential case study CASE STUDY DEVELOPMENT EXIT: 50 APARTMENTS IN PETERBOROUGH £7.2 MILLION 75% LTV 0.69% PER MONTH

The brief Our solution Underwriter quote The complex requirements of this case demanded close, consistent correspondence between our team, the broker and the developers. Our underwriter on the case visited the property and met with the borrowers and the appointed QS to discuss their plans for converting the unit. This was supplemented by comprehensive background checks which confirmed the borrower's experience and strong credit history. As a result of this due diligence, we were able to offer a highly competitive, 15 month solution at a rate of 0.60% per month. The drawdowns were carefully designed to support the developer in every step of the conversion process. The client needed to take out debt on an unencumbered, vacant retail unit in Slough, England, to raise funds for onwards projects. They also required development funding to convert the security into 8 new apartments. There's some exciting regeneration going on in this area and it's really satisfying to be a part of this. I'm confident that this will be a great addition to the local area, not least because of the developer's reputation for creating fantastic conversions. Broker quote It's good to work with a lender that shares our values in an efficient closing process and takes an interest in the developer and their project. This makes for a straightforward process and rewarding for all parties involved. BACK TO PROJECTS Light Development Case Study CASE STUDY FUNDRAISE & DEVELOPMENT: VACANT RETAIL UNIT £1.8 MILLION 73% LTV 0.60% PER MONTH

The brief Our solution Broker quote Our team crafted an effective solution, delivering an interest rate of 0.67% per month for a 12 month period. Given the strength of the assets and the client's experience, we were able to go a step further than our advertised rate, offering 0.67% per month. This flexibility enabled the client to carry out all the necessary works. The length of the term also provided the borrower with the time necessary to strengthen the tenancies in preparation for exit. The client required £1.3 million to complete the purchase of 8 flats in Winchester, England, all of which were in need of modernisation. Given the condition of the properties, the client wanted to access the very best rate to ensure that a comprehensive refurbishment could be conducted. “It's refreshing to work with a lender that is able to step outside of their pricing matrix and 'sharpen the pencil' to win a deal over their competitors. This gave the borrowers confidence, knowing that Funding 365 really wanted to work with them, as well as knowing they had the best combination of pricing and leverage that the market had to offer.” With our principal-led funding we’re able to make quick, credit-backed decisions on loans. When we spot deals with real potential we always try to support them with the best terms possible. In this case, we were able to go a step further than our advertised rate, offering 0.67% per month with no catches. It’s this kind of flexibility and determination to get a great deal done that makes Funding 365 unique. Tapton Capital’s exceptional relationships with their clients made the whole process a pleasure. Underwriter quote BACK TO PROJECTS £1.3 MILLION 75% LTV 0.67% PER MONTH CASE STUDY PURCHASE: 8 FLATS IN WINCHESTER

The brief Our solution Underwriter quote Given the prime location of the retail unit, the strength of the tenant and the experience of the repeat borrower, our team was able to deliver a rate of 0.79% per month at a 67% LTV. The client's onward ambitions for the premises included the construction of an additional story and the negotiation of new leases with new tenants. As such, we engaged the borrower in several discussions to ensure that, on a 12 month loan, a timely exit could be achieved. The client required a £3.89 million loan to purchase a large commercial space in Surrey, England, with a blue chip tenant in situ. The case, although ambitious, showcases the potential of our commercial bridging loan product to support the retail sector. Coming out of the pandemic, it's great to assist in the revitalisation of this market. I'm keen to continue supporting this borrower and am interested to see how this particular space will benefit from their exciting development plans. BACK TO PROJECTS £3.89 MILLION 67% LTV 0.79% PER MONTH Commercial case study CASE STUDY PURCHASE: LARGE COMMERCIAL SPACE

The brief Our solution Underwriter comment Given the client's past CCJ's, we were keen to craft a low-risk solution. As such, we crafted an 18 month loan to ensure that they had ample time to complete and sell the properties. With interest rebated by the day, the borrower could exit early without incurring any early exit charges, maximising their profits. The client required funds to purchase two end terrace houses in London, England. Both properties were in need of renovation throughout, so the client needed to secure a highly competitive rate to ensure that their own funds would cover the refurbishment. As an underwriter at Funding 365, it's my responsibility to look at a case from every angle and find the potential in the deal. That's what I did here - and at a rate that allowed the client to refurbish the properties in exactly the way that they had envisioned. BACK TO PROJECTS £552,000 65% LTV 0.62% PER MONTH Residential case study CASE STUDY AUCTION PURCHASE: 2 HOUSES IN LONDON

Funding 365 Launches Pledge to Rebate Auction Property Valuation Fees 30 January 2023 READ MORE Funding 365 completes £6.5m development exit bridging loan 9 November 2022 READ MORE Funding 365 Delivers £4.75m of Stepped Rate Bridging for Developer 29 March 2022 READ MORE Funding 365 Saves Auction Purchase in 5 Days 13 February 2022 READ MORE Funding 365 Delivers £7.2m for 50 Apartments in Peterborough 3 February 2022 READ MORE Funding 365 Delivers £3.2m 75% LTV Finish & Exit Facility 12 January 2022 READ MORE Funding 365 Delivers 75% LTV Bridge at 0.67% 2 November 2021 READ MORE Funding 365 Adds Two Hires to its Graduate Scheme 13 August 2021 READ MORE Funding 365 urges SMEs to apply for CBILS before end of March deadline 14 March 2021 READ MORE Funding 365 receives increased CBILS Allocation from the British Business Bank 17 January 2021 READ MORE Funding 365 Completes 75% LTV £2million Loan with Black Book Finance 5 December 2020 READ MORE Funding 365 Accredited under Coronavirus Business Interruption Loan Scheme 27 November 2020 READ MORE Funding 365 Reports Record Month in October 6 November 2020 READ MORE Funding 365 launches 75% LTV Stepped Rate Bridging from 0.59% 12 October 2020 READ MORE Funding 365 delivers Light Development Loans from 0.74% with No Exit Fee 9 September 2020 READ MORE Funding 365 Announces Move into Development Finance 13 August 2020 READ MORE Funding 365 Releases Enhanced Flexible 3 Year Range 13 February 2020 READ MORE Funding 365 Rescues Deal with Innovative Thirdfort Software 18 November 2019 READ MORE Funding 365 Delivers £1.1million Auction Finance at 0.59% 6 October 2019 READ MORE Funding 365 Launches Flexible 3 Year Property Loan Products 12 September 2019 READ MORE Funding 365 and Mantra Capital Save Auction Purchase in Just 3 Days 1 August 2019 READ MORE Funding 365 Slashes Bridging Rates to 0.59% Residential and 0.69% Commercial 11 May 2019 READ MORE Funding 365 Completes Bridging Loan in 24 Hours 5 May 2019 READ MORE Funding 365 Completes £2.7m Development Exit Bridge in Just 3 Days 1 March 2019 READ MORE Funding 365 Completes Complex £3m Semi-Commercial Bridging Loan 7 January 2019 READ MORE Funding 365 Completes £1.6m Commercial Bridge in Just 3 Days 15 October 2018 READ MORE Funding 365 Completes Short Lease Bridging Loan in Just 3 Days 26 June 2018 READ MORE Funding 365 Relocates Amid Plans to Grow Team by 25% 12 June 2018 READ MORE Funding 365 Increases Maximum Loan Term to 18 Months 22 October 2017 READ MORE Funding 365s Charity Gallop Raises Over £1,250 6 October 2017 READ MORE Funding 365 Promotes Eddie Boakye to Head of Underwriting 1 October 2017 READ MORE Funding 365 and Adapt Complete £3m of Complex Bridging Loans this Month 1 October 2017 READ MORE Funding 365 reveals reduced Commercial bridging rates from 0.75%pcm 1 April 2017 READ MORE Funding 365 launches innovative Short Lease bridging product 1 November 2016 READ MORE Funding 365 announces new Sales Director 1 September 2016 READ MORE Funding 365 completes £8.5m bridging loan in just 3 working days 1 June 2016 READ MORE Funding 365 Slashes its Commercial Bridging Rates to 0.85%pcm 21 February 2016 READ MORE Funding 365 expands team with new Underwriter 5 February 2016 READ MORE Funding 365 added to Bridging Loan Directory 1 February 2016 READ MORE Funding 365 Reveals New Business Development Manager 8 November 2015 READ MORE Funding 365 launches new 0.65%pcm Prime product 1 October 2015 READ MORE AOBP Lender Bulletin: How can we improve the bridging industry? 3 July 2015 READ MORE Funding 365 increases lending power with securitisation financing 1 April 2015 READ MORE Funding 365 appoints new underwriter 1 January 2015 READ MORE Funding 365 slashes its commercial bridging rates to market leading levels 6 August 2014 READ MORE London property - clear and present danger 2 July 2014 READ MORE The new bridging lender survival guide 7 May 2014 READ MORE NEWS READ ALL ABOUT IT

Funding 365 delivers Light Development Loans from 0.74% with No Exit Fee Funding 365 has today announced that it has sharpened the pricing on its Light Development product with interest rates that start from just 0.74% per month with no exit fee. The product is designed to enable property developers to carry out heavy refurbishments, extensions, building conversions and PDR schemes, as well as finish and exit development projects. Eligible loans are £200,000 to £3million in size and secured against properties in England and Wales for up to 24 months. The maximum LTV is 75% (day one) and clients can also borrow up to 100% cost of works, up to a maximum LTGDV of 70%. The only fees charged are a 2% arrangement fee plus legal and valuation / monitoring fees at market rate. As with all of Funding 365’s products this is available to all brokers, with no waiting lists. Visit www.funding-365.com/products for transparent product guides or call Funding 365’s underwriters directly on 0800 689 0650 for more information, quick answers and bespoke terms. Laura Kendall, Marketing Director at Funding 365 explains, “We previously included an exit fee in our Light Development product as this is how the majority of development lenders price their loans. But as we’ve settled in to the development market we’ve found that most of our brokers and borrowers appreciate their loans being priced in the same way that we price our bridging loans, with no exit fees (or application fees, admin fees, early redemption fees or other such fees). We also found that we were, in practice, writing some loans that were a little lower than our advertised interest rate, so we adjusted that too. We’re constantly assessing our products to make sure that they’re delivering for clients.”

Funding 365 Reports Record Month in October Funding 365 has revealed that October was its biggest month to date, with loan enquiries totalling £203million, up 160% YOY. Their underwriters processed 312 unregulated bridging, light development and 3 year loan applications, up 120% YOY. Stated uses for these loans included residential investment property acquisitions, semi-commercial and commercial property purchases, auction completions, landlord portfolio consolidations, business cash flow requirements, refurbishments, conversions and development exits. Funding 365 doesn’t have a panel of brokers, instead believing that it’s only fair to offer all of their products to all intermediaries. In October, they responded to enquiries from 43 new brokers. Read the full story here: https://www.fiba.org.uk/latest-press-blog/funding-365-reports-record-month-in-october/