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The Client
The borrower is a business owner operating through a mixed ownership structure, holding 93% of the security property in their personal name and 7% via a pension vehicle. The security was a substantial warehouse with extensive office accommodation, yard space and loading access, used directly in connection with the client’s trading business.
The Situation
The client required urgent bridging finance to stabilise business cashflow during a period of operational pressure. Funds were needed to address aged creditor balances, HMRC liabilities, and to support ongoing trading requirements including materials, subcontractors, and fulfilment of a significant project order.
The business demonstrated a strong track record of profitability, supporting confidence in ongoing trading stability dependent on a short-term restructuring of liabilities.
The case was time-sensitive, with liquidity needed to enable the business to capitalise on near-term growth opportunities.
The Solution
A £4,750,000 bridging facility was provided at 54% LTV over an 18-month term (with 12 months retained), secured against a high-value commercial warehouse asset with integrated office accommodation and yard facilities.
Key considerations on this deal related to cashflow, the mixed ownership structure, and the commercial layout of the property relative to its operational use.
We were able to accommodate these through the introduction of a Declaration of Trust to clarify and consolidate beneficial ownership, confirming the client’s effective controlling position. Funds were structured to be deployed via solicitors with minimal cash extraction, ensuring alignment with stated business purposes.
Close collaboration between internal credit teams, risk managers and the client’s solicitors ensured efficient progression and completion within the required timeframe.
The Benefit
The structure allowed a complex, owner-occupied commercial scenario to be assessed holistically, balancing asset security with trading performance rather than relying on a single-dimensional underwriting approach. The clarity achieved through ownership restructuring and disciplined control of funds flow helped align risk considerations with the commercial reality of the business.
This enabled a funding solution that accommodated urgency, complexity, and business dependency without delaying execution.
The Result
On completion, the client was able to clear immediate creditor and HMRC pressures and stabilise business cashflow, ensuring continuity of operations from the secured premises.
The facility provides a defined short-term funding solution, with a clear refinance pathway supported by indicative commercial mortgage terms at the end of the bridging period. This leaves the borrower positioned to focus on trading recovery and operational growth, with a structured exit route in place.
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