Our clients were a married couple and long-term homeowners with a substantial residential property valued at approximately £1.25 million.
Our clients were a married couple and long-term homeowners with a substantial residential property valued at approximately £1.25 million.
Having owned the property for many years, they had built significant equity and were looking to leverage their existing asset position to support wider financial and business objectives.
The clients needed to refinance an existing bridging loan while also raising additional capital to support their business activities.
Their objectives were:
The clients required a structured refinance arrangement that would simplify their borrowing while also releasing additional liquidity for business investment.
This case involved several considerations that required careful structuring and lender selection.
The transaction centred around refinancing an existing bridge facility while simultaneously raising additional funds for business purposes. The clients also required a short-term lending structure that would provide flexibility and certainty around repayment costs.
In addition, the proposed exit strategy relied on the future sale of the property, meaning the facility needed to align closely with the clients’ longer-term plans.
The clients therefore required a lender capable of consolidating the borrowing efficiently while maintaining flexibility within the structure.
We arranged a tailored regulated bridging loan designed specifically to refinance the existing borrowing and release additional capital for business investment.
The funding solution included:
The structure allowed the clients to simplify their finances while also accessing the additional funds required for their business objectives.
We carried out a detailed review of the clients’ existing borrowing, available equity, and proposed business funding requirements before structuring the bridging facility.
A suitable lender was sourced that could accommodate both the refinance element and the additional capital raise within a single short-term solution. The facility was then aligned carefully with the clients’ proposed exit strategy to ensure flexibility throughout the term.
Throughout the process, communication between all parties was managed proactively to ensure the transaction progressed efficiently from application through to completion.
This structured approach enabled the clients to refinance their existing loan smoothly while securing the additional business capital required.
The bridging loan completed successfully, enabling the clients to refinance the existing bridge facility and raise additional capital for business use.
As a result, the clients were able to:
Conclusion:
This case highlights how bridging finance can provide a flexible and efficient solution for clients needing to refinance existing borrowing while simultaneously releasing additional capital.
With the right structuring and lender relationships, bridging finance can help clients simplify their finances while creating opportunities for further business growth and investment.
The relationships we build with our customers are incredibly important to us. Hear what they have to say, and learn why people across the UK rely on Rapid Bridging time and time again.
“We actually never thought it would happen because on paper it looked like it was impossible. We tried almost everything and eventually, it was Andrew and Rapid Bridging that was able to help us solve the issue.”
“Without Andrew, I’m pretty sure we wouldn’t be able to finance this development so easily.”
“Andrew sorted all our problems out. He sorted every little thing that we needed to be done… seems to just close every door and sort everything out for us.”
“Without Andrew’s help, the trust would have gone into
liquidation and lost everything — and I mean everything.”
“We were unable to get a loan anywhere. Nobody would fund building the house. We then approached Andrew who was unbelievably helpful. He was the only person who would even entertain the idea of trying to help”.
“Andrews nature and experience allowed for him to cut through some problems that we found with the other professionals. IE the solicitors and the banks”.
“Without Andrew, I would’ve lost the property. This would’ve caused no end of issues not just personally but for my business as well. Without Andrew and services, I would’ve lost everything”.
