Commercial capital raising for a limited company growing their business

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Case profile

Our client wanted to raise funds through a commercial mortgage against two commercial units in order to expand their business. The challenge lay in the fact that many lenders would not be happy to take a view on the working capital as the use of funds.

The client runs a successful trading limited company, which owns two unencumbered commercial units rented out on commercial leases. They wanted to raise capital against the rental income of these properties to put working capital into their business to boost sales and the future growth of their business.

However, the nature of the business was somewhat unusual, and the lenders they had approached were unwilling to provide them with the funding they required, because of the intended use of the funds.

Solution

We have extensive knowledge in arranging finance for individuals and limited companies with unusual or complex circumstances. Using our expertise and strong relationships with a range of specialist lenders, we were able to source our client the lending they required.

We took the time to understand the client’s circumstances holistically and were able to put a case together that the private bank we sourced accepted. They lent to the limited trading company with the two rental commercial units as security and required no debenture, giving the client more flexibility.

In addition to this, we were able to move quickly on their behalf and secured the funds within a month. This quick turnaround, along with the financing solution we provided, enabled our clients to start growing their business and take the next steps in achieving their financial objectives.

Deal Highlights

Loan amount:£660,000
Rate:4.75%
LTV:60%
Term:5 years
Type:Interest Only
Loan purpose:Commercial mortgage to raise capital
Lender’s arrangement fee:1% of the loan amount
Early repayment charges:2% in the first two years, nothing thereafter

Notes

This case study is for information and illustration purposes only. It is not an offer, or suggestion of an offer. Each mortgage case is assessed on an individual basis and there is no guarantee that the solution described here can be repeated in the future.

Please note that this specific deal may not be available to – or suitable for – all customers, dependent on their individual circumstances. The rate quoted may become out of date at short notice and may not be available at the point at which customers enquire about it. This document may not contain all the information needed for customers to make a decision and they should seek advice.

Your home or property may be repossessed if you do not keep up the repayments on your mortgage. Changes in the exchange rate may increase the sterling equivalent of your debt.

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Your home or property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Changes in the exchange rate may increase the sterling equivalent of your debt. You may have to pay an early repayment charge to your existing lender if you remortgage. Think carefully before securing any other debts against your home.  

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