Our client was a self-employed business owner and experienced property investor seeking urgent short-term funding to refinance an expired bridging facility while also releasing additional capital for business purposes.
Capital Raised: £617k
Date: 2017
Our client was a self-employed business owner and experienced property investor seeking urgent short-term funding to refinance an expired bridging facility while also releasing additional capital for business purposes.
The client owned a residential property valued at approximately £1.25 million and had an existing bridging loan balance of around £444,000. With an annual income of approximately £120,000, the client required a fast and flexible refinance solution that would also preserve liquidity to support ongoing business operations.
The client needed to refinance an existing bridging lender quickly while simultaneously raising additional working capital for business investment.
Their objectives were to:
The proposed structure allowed the client to refinance urgently while maintaining flexibility and access to additional capital for business growth.
This case involved several complexities that required careful structuring and urgent action.
The client’s existing bridging facility was close to expiry, creating immediate pressure to refinance within a short timeframe. At the same time, the client also required additional capital raising alongside the refinance, increasing the overall complexity of the transaction.
The borrowing was for business purposes but secured against a residential property, while the client also required certainty of costs through a fixed-rate structure. In addition, the proposed exit strategy relied on a future property sale or refinance.
Traditional lenders were unable to support the case due to both the urgency involved and the specialist nature of the required bridging structure.
We arranged a tailored regulated bridging loan designed specifically around the client’s refinance requirements and business funding objectives.
The funding solution included:
The lender selected was due to their ability to refinance the existing bridge quickly while offering a competitive fixed-rate structure suited to the client’s circumstances.
Given the urgency of the refinance, proactive case management and efficient structuring were essential throughout the process.
We carried out a detailed assessment of the client’s refinance and business capital requirements before structuring a bridging facility secured against the residential property. Careful consideration was given to the self-employed income profile and the proposed sale-or-refinance exit strategy.
A suitable lender was sourced that could accommodate the complexity of the transaction while completing within the required timeframe. Throughout the process, we maintained close communication with all parties involved to ensure the refinance completed smoothly and without unnecessary delays.
This approach enabled the existing lender to be repaid promptly while also releasing the additional capital required for business use.
The bridging loan completed successfully, allowing the client to refinance the expiring facility and secure additional business capital.
As a result, the clients were able to:
Conclusion:
This case highlights how re-bridging finance can provide fast and flexible solutions for business owners requiring urgent refinance support alongside additional capital raising.
With the right lender relationships and strategic structuring, bridging finance can help clients stabilise existing borrowing while creating opportunities for continued business growth.
