District & County Investments

About District & County Investments

District & County Investments is a Merseyside-based bridging lender with a long history of providing clients with the funding required to support all aspects of property development and purchase. Based in Formby, the business operates with a close-to-the-market, relationship-led approach — commercial director Michael Clifford and finance director Andrew Riley have built a reputation for approachability, fast responses and genuine engagement with each borrower's project.

In early 2025, DCI joined the Bridging and Development Lenders Association (BDLA), signalling a commitment to the ongoing professionalisation of the sector and to the transparency standards the BDLA promotes. The move reflects a business that is actively building its national profile while retaining its northern England roots and culture.

A recent completed deal illustrates their model well: a £2.865 million two-phase development finance facility for four executive homes in Lancashire, structured across an acquisition bridge and a subsequent construction facility — the phased approach giving a developer continuity through a complex planning process without having to source separate funding at each stage.

Bridging Loans from District & County Investments

DCI lends from £100,000 to £5 million, with terms up to 24 months and LTVs up to 75%. Rates from 0.79% per month. Loans cover England and Wales across residential, commercial and mixed-use property.

What Can DCI Finance?

• Auction property purchases
• Land acquisition with and without planning
• New build residential development
• Light and heavy refurbishment projects
• Mixed-use property
• Buy-to-let acquisition and small portfolios

How to Apply with District & County Investments

DCI works with borrowers directly and through commercial finance brokers. Initial enquiries go to the team at their Formby, Merseyside office. The team emphasises clear communication and fast responses — borrowers should expect an honest early assessment of whether the deal fits before any formal process begins.