Arc & Co. secures £8.2m development loan for luxury Oxfordshire scheme

23 February 2026

Arc & Co. has completed an £8,220,000 development facility to fund the construction of five luxury homes in Oxfordshire.

Director Tom Berry was approached in early November 2025 by an experienced developer seeking ground-up finance by the end of January.

This left a narrow window that would span the Christmas period—traditionally one of the most challenging times to progress and close development finance transactions.

With time critical and funding certainty paramount, Tom immediately launched a competitive tender process to identify a lender capable of delivering both market-leading terms and a highly efficient execution.

Given the compressed timeline, lender responsiveness and underwriting certainty were crucial. The client needed confidence not only in the terms offered, but in the lender’s ability to deliver within weeks rather than months.

Following a competitive process, Downing LLP were determined as the most suitable funding partner, where Lending Director Will Powell moved quickly to issue market-leading terms.

From credit approval through to legal completion, the loan was progressed seamlessly, with all parties aligned around the January deadline.

The result: £8,220,000 development facility completed in just three weeks from approval, enabling the client to satisfy the vendor’s time constraint and move forward with the scheme as planned.

Tom Berry, Director, Arc & Co.:

“When the client shared that he must complete by the end of January, we knew that the Christmas period would likely interfere with the time we had to progress the loan and complete. That concern was completely mitigated by Downing. Will Powell and his team made the entire loan process seem effortless—it was a pleasure for both Arc & Co. and the client.”

Will Powell, Lending Director, Downing LLP:

“Downing was delighted to complete on a complex housing scheme of five bespoke units in Oxfordshire. A big thanks goes to Arc & Co. for the introduction and for their assistance in closing the transaction down in three weeks from approval.”