How Clients Secured Funding

Challenge

This was not a single loan. Acquiring the business required funding across several lines at once — for the property, the plant and machinery, and day-one working capital — arranged quickly enough to secure the deal without cutting corners on valuations or the sales-ledger review.

Structure

We organised the valuations and a sales-ledger audit within three weeks and structured a facility of over £1m: a 30-year commercial mortgage against the premises, 5-year asset finance secured on the machinery, and 80% non-recourse factoring against roughly £150,000 of debtor invoices to fund working capital from day one.

Outcome

The purchase concluded within two months of initial contact. The buyer gained a complementary business and an integrated funding structure spanning property, plant and working capital — each element sized to the part of the deal it supported.

Challenge

With the original equity withdrawn, the scheme needed a lender prepared to take a considered view of the project, the developer's track record and the end value — and to fund both the site acquisition and the build in a way that worked for the programme.

Structure

We positioned the project with two merchant banks and obtained a GDV valuation from Knight Frank. The structure offered a 50% advance against site acquisition and 100% of build costs drawn in agreed stages, aligned to the build programme.

Outcome

Two heads of terms were issued. The client selected the offer reflecting the best overall value and flexibility — 2% set-up and 2% exit fees at 7% over three-month LIBOR — securing the £1.4m needed to deliver the scheme.

Challenge

Eleven facilities across multiple lenders meant administrative complexity, inconsistent terms and no straightforward way to draw on equity for new purchases. They needed a single, coherent structure — and a facility they could draw against as opportunities arose.

Structure

We carried out a full mortgage redemption audit and valuation review, then negotiated a complete refinance with three major institutions — including a £950,000 rolling 'cheque-book' facility for future purchases — at a rate of 3.5% over bank base rate.

Outcome

The portfolio was consolidated and repositioned onto consistent terms, the rolling facility gave the clients the flexibility to move quickly on new opportunities, and the improved terms generated around £67,000 in annual savings.

Challenge

As first-time hotel operators, they needed a lender that would back a well-evidenced business plan rather than a prior hotel-ownership record — and a way to bridge the delayed property sale so the purchase could complete on time.

Structure

We built a strong business plan supported by three years of trading accounts and approached four lenders. We secured a primary commercial mortgage at a 70% advance (a rate of 3.25% above bank base rate), plus a bridging facility secured against the unsold flat to cover the timing gap.

Outcome

The purchase completed successfully, and the bridging facility was redeemed two months later when the flat sold — exactly as planned.

Challenge

The mixed-use (semi-commercial) nature of the property placed it between residential and pure commercial lending, and the owner wanted to weigh a longer-term mortgage against a faster bridging route. They needed clarity on which structure genuinely served the business — not simply what was quickest.

Structure

We reviewed the existing arrangements and set out two clear options — a term mortgage or a bridging loan — with the trade-offs of each. The owner chose a 20-year semi-commercial mortgage at 75% loan-to-value on a rate of base rate + 2.35% with a prime lender, structured around the business's trading performance.

Outcome

Despite a rigorous valuation process, the purchase completed in week 10 of the 12-week timeframe — securing both the trading premises and the rental flat.

Challenge

The project needed both acquisition and refurbishment funding within one coherent facility, sized correctly against the purchase and the works, with a term and cost that suited a short, active project.

Structure

We structured a 12-month facility with separate acquisition and refurbishment tranches — £306,000 towards the £473,000 acquisition at 65%, plus £117,000 for the refurbishment — at 0.77% variable interest per month with no exit fee.

Outcome

The lender approved the facility, enabling the client to proceed with the acquisition and the planned conversion, with a clear exit through the onward sale.

Challenge

The case carried real complexity — an adverse credit history and an insolvent balance sheet — and the client needed flexibility and speed without disturbing the existing first charge.

Structure

We structured a 5-year second charge facility that delivered the flexibility the client needed despite the adverse credit and balance-sheet position — with no re-valuation and no charge over personal property.

Outcome

The facility was approved at just over 15% with a 0.5% arrangement fee and arranged within four weeks, allowing the building works to be completed.