- We’ve completed a £1.5m commercial development facility as part of a new £25m multi-site framework.
- The first project combines a branded drive-thru with 16 ultra-fast EV charging bays.
- This framework gives experienced developers a clear, scalable way to fund multiple sites efficiently.
The first deal funds a branded drive-thru unit alongside 16 ultra-fast EV charging bays. It’s a smart mix of long-term leases with major occupiers in retail and energy, creating a sustainable roadside asset that blends established consumer demand with next-gen infrastructure. It shows how EV capability is becoming a key part of roadside retail and why lenders need to back projects that hit both commercial and environmental goals.
This move builds on our strong relationships with experienced borrowers in roadside retail and mixed-use sectors. The framework gives programme-led borrowers a structured, scalable model so they can fund multiple projects quickly and consistently. Each site is assessed and funded on its own merits within an agreed structure, which means faster execution and greater certainty.
The transaction was introduced by Luke Rutherford at Vault Commercial Finance, with legal support from Brecher LLP, valuation by Allsop and monitoring by MDA Consulting.
Luke Rutherford, Director at Vault Commercial Finance, said:
It has been great working with Tim Mycock and Beth Rungay at HTB on this deal. Their proactive approach, clear communication and commitment to getting it completed have really been head and shoulders above the rest. We have faced challenges on similar developments in the past, so it has been especially rewarding to see this one come together so smoothly thanks to their hard work.
Tim Mycock, Lending Director at HTB, said:
The developer’s experience and delivery capability make them a natural fit for this type of structured funding approach. The framework we have established allows both sides to work with a clear, consistent process for each site, reducing duplication, accelerating delivery and ensuring every facility is shaped around the borrower’s wider strategy. We are seeing more experienced developers moving towards programme-based funding as a way to manage multiple sites efficiently while maintaining flexibility. It is an approach that requires confidence in the relationship and confidence in the structure, and this deal reflects both.
Neil Leitch, Managing Director of Development Finance at HTB, added:
The roadside retail and EV sectors are proving to be among the most resilient areas of activity, supported by long leases, strong covenants and clear sustainability alignment. They also illustrate how the market is diversifying, with smaller format, service-led schemes creating dependable income streams and continued demand. This facility demonstrates how specialist lenders can provide structure and continuity for borrowers building at scale. It also shows how HTB continues to support experienced SME borrowers with pragmatic funding solutions that combine flexibility, discipline and long-term partnership. Providing that structure and certainty is what enables these borrowers to continue delivering across an evolving market, and it is where specialist banks like HTB continue to play a vital role in supporting growth across the real economy.
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