Our clients were experienced business owners with a strong track record, operating a successful company alongside managing a substantial property portfolio.
Area: Surrey
Capital Raised: £2.1 Million
Date: 2016
Our clients were experienced business owners with a strong track record, operating a successful company alongside managing a substantial property portfolio.
With significant assets and a high net worth, they were financially well-positioned. However, historic credit issues meant that traditional lenders were unable to support their latest investment plans.
The clients identified an exciting opportunity to acquire a high-potential parcel of land through a company structure.
To proceed with the transaction, they needed to:
In total, the clients required a £2.1 million short-term funding solution that could be arranged quickly and efficiently.
The case presented several complexities that made securing finance particularly challenging.
Previous funding attempts had already fallen through, while traditional high street lenders declined the application due to historic credit issues. In addition, the transaction involved multiple assets and complex security arrangements, which further reduced lender appetite.
The clients were also working against a tight completion deadline, creating pressure to secure funding rapidly to avoid losing both the deposit and the investment opportunity.
We arranged a tailored regulated bridging loan designed specifically around the clients’ circumstances and objectives.
The funding solution included:
This bespoke structure enabled the clients to complete the acquisition on time, refinance their existing mortgage, and unlock additional capital for reinvestment into their business.
Given the time-sensitive nature of the transaction, speed and communication were critical throughout the process.
We carried out a rapid assessment of the case before sourcing a lender comfortable with both the complexity of the structure and the clients’ circumstances. From there, we managed the entire application process from start to finish, maintaining close coordination with solicitors, valuers, and the lender to keep the transaction progressing smoothly.
Through proactive case management and regular communication between all parties, we ensured deadlines were met without unnecessary delays.
The bridging loan completed successfully within the required timeframe, allowing the clients to secure the land acquisition and protect their initial investment.
As a result, the clients were able to:
Conclusion:
This case highlights how bridging finance can provide fast and flexible funding solutions in complex scenarios where traditional lenders are unable to assist. With the right expertise and lender relationships, time-sensitive opportunities can still be achieved successfully.
