Funding Growth Through A High Leverage Commercial Refinance

The Client

An experienced property owner and specialist children's care provider operated multiple supported living facilities through a well-established care business. The properties were owned separately within a property company and leased to the operating business, providing a strong, long-term investment structure while supporting the continued growth of the care operation.

The Challenge

The client was looking to move away from traditional commercial lending and secure a business finance solution that would maximise the amount of capital available against their property portfolio. Their primary objective was to raise funding at up to 90% of the bricks-and-mortar value, allowing them to unlock equity from existing assets and create the headroom needed to acquire additional properties as the business continued to expand.

The Solution

We worked closely with a specialist commercial lender to structure a business finance facility that recognised the unique nature of the client's care home portfolio. By presenting the relationship between the property company and operating business, addressing the lender's due diligence requirements around property use, registrations and security, and liaising with the client's professional advisers throughout the process, we were able to progress the application and secure a funding solution that maximised the available borrowing.

The Outcome

The client successfully secured a substantial business finance facility against their care home portfolio, releasing significant equity from their existing properties. The additional capital provided the flexibility to continue acquiring new properties for future supported living and children's care projects, enabling the business to expand while retaining ownership of its property assets.

This keeps the focus on the client's objectives and your role in achieving them, rather than the lender's internal queries, making it a much stronger marketing case study.

Lender: Barclays Commercial

Gross Loan Amount: £3,000,000

Interest Rate: 5.65 (Variable)

Loan Term: 20 years 

Please note: This case study is based on a genuine client scenario. To protect client confidentiality, specific figures, dates and other identifying details have been amended. The circumstances, solution and overall outcome remain accurate.