The case studies below cover a wide range of recently completed commercial funding transactions.
These include commercial mortgages for trading businesses or investment purposes, BTL, pension fund/SIPP mortgages, development finance for builders, invoice finance (factoring or invoice discounting), and Enterprise Finance Guarantee Scheme (EFG).
Case Studies:
£390,000 Building Loan
- Builder, in bank recovery situation
- Nursed through bank negotiations to achieve required increase in development loan to complete houses, and repay all borrowing
£300,000 Invoice Discounting
- Security company
- Invested heavily in products/marketing
- Cash shortage with slow payers
- Created large working capital injection
£1.6m Mortgage
- Hotel/serviced rooms in prime city location
- Ambitious purchase and conversion project
- Undertook research, advised, and business plan preparation to aid bank funding
£250,000 EFG Loan
£150,000 Invoice Finance
- Executive recruitment
- Needed funding for high growth
- Assisted business plan, complex negotiations, and supported funding package also including equity and grants
£129,000 Mortgage
£15k Overdraft
- Experienced publican buying cheap and shut pub from brewery
- Potential to grow wet sales/food plus convert upstairs to small hotel
- Prepared plan and led bank negotiations
£60,000 EFG Loan
- Successful wheelie bin washing business
- Buying competitor to achieve large growth and economies of scale
- No security available, so advised and arranged EFG loan
£900,000 Mortgage
£490k Bridging
- Part finished hotel and holiday cottage scheme, Bank set to foreclose
- Directed complex negotiations re survival package: bank fees on deferred “upside” basis
- Now trading profitably
£50,000
Community Loan Fund
- Designers/producers of energy saving building products with huge potential
- Arranged funds for marketing: now have contracts enabling us to apply for EFG loan
£600,000 Mortgage
- Large chain of hairdressers
- Owned/acquired several freeholds and valuable leases
- Restructured present bank mortgages to save £40k per annum
£3.4m Inv Mortgages
£4.9m Project Funding
- Commercial and residential property developer and investor
- Regular negotiations with banks to continue support and amend covenants, pending delayed house sales
£305,000 Mortgage
£10k Overdraft
- Experienced retailers buying large run down shop in very busy town
- Prepared business plan and arranged funding with new bank, after existing bank would not lend sufficient
£330,000 SIPP Mortgage
- Chain of motor factors
- Buying new outlet via pension fund
- Worked with IFA to advise, and arrange preferential mortgage
