Over the years I have helped clients throughout the UK arrange business loans over a huge variety of commercial sectors. Everything, from raising a £30,000 business loan to help a client buy their first shop unit, through to multi-million pound property developments.
Greengrocers, private hospitals, garages, post offices, printing companies, travel agents, houses let to students, offices, pubs, restaurants, even a snail farm! You name it, I have been involved in raising a business loan for it.
I have done so many deals that it wouldn't be possible to fit them all on this page, so here are a few recent success stories from clients who have used my lending contacts to secure the finance they needed.
I've included a few examples from each type of finance deal. Select from the list below to go straight to the stories that interest you. Alternatively, just browse. Happy reading!
My client had recently started up a nursing home and wished to cover all her start-up costs and also reduce her monthly outgoings with one long-term mortgage. However, as the business was only 6-months-old, no accounts were available. I was able to help the client raise a 25-year mortgage for £325,000. She reduced her outgoings by £1500 per month.
My clients were starting up a new retail business in a major city centre. They had no cash to put in but did have equity available in their private residence which they were willing to use. Their own bank had declined to assist but through my specialist lending contacts my clients were able to raise a business loan of £755,000 on an interest-only basis to start up their new business.
My client, who was a chef by profession, was purchasing a dilapidated property in East Anglia with the intention of starting up a new restaurant business. Through my contacts I arranged for a specialist feasibility study to be carried out. This resulted in my client being able to borrow £470,000 - with no payments for the first 12 months - to buy the property and carry out a complete renovation.
My client, along with his partner, ran a successful solicitors' practice in West London. They were expanding quickly, and as a result they had outgrown their existing offices and needed to move to a larger premises. I put them in contact with a lender specialising in professional practice schemes. A business loan of £700,000 - 95% of the purchase price - was arranged.
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A charity helping disadvantaged teenagers had the opportunity to buy the freehold of their existing offices. Because my client was a charity - and therefore a non-profit making organisation - this meant that they were not able to prove they could repay a loan. I put them in touch with a lender experienced in lending to charities, and who understood their particular requirements. The lender agreed a loan of £275,000 over 20 years at 1.75% above base rate.
A very successful property investor client approached me to structure funding to enable him to raise additional monies for a new property project. The building he owned was a large office building in the M4 corridor let to the local authority. As a result of using our contacts a business loan of £5,000,000 at 1.25% above base rate was arranged on an interest only basis for 5 years which was ideal for his particular requirements.
My client ran a very successful scaffolding company operating throughout South East England. He was expanding rapidly and needed to acquire a new warehouse and yard. As a result of my assistance and commercial finance contacts he purchased new premises and borrowed 80% of the purchase price compared with the 65% of purchase price his own bank were offering him.
One of the top commercial lighting companies in the country approached me for a business loan. They provide the lighting and special effects for shows, exhibitions and music concerts and have worked at some of the UK's largest venues. As part of their ongoing development they wished to purchase a new factory unit. Our lending contacts offered them £225,000 which was 85% of the purchase price at 1.75% over base rate.
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My client wished to buy a derelict site in Hampshire, obtain planning permission and build two detached houses on the site. I helped him arrange £500,000 with a lender specialising in development finance. This enabled him to complete the purchase of the site and carry out the development.
My client wished to purchase a disused garage site. There was no planning permission although, having spoken to the planners, they had indicated to my client that a planning application would be viewed favourably. Through my contacts I initially raised 70% of the purchase price. However, once my client had obtained planning permission I was able to arrange an increase in the loan against the enhanced value of the site with planning. This meant that, because of the way we structured the development finance, my client could carry out the entire development without the need to put any more cash into the project.
My client built high quality, top of the range houses in and around London. His next project was a new-build £4million house in South West London. He approached me looking for a new lender who could help him. I have over a dozen lenders dealing specifically with development finance and, needless to say, 'one size does not fit all'. Through my introduction my client was put directly in contact with the Head of Property Finance for one of the UK's major lenders, who funded his new project.
My client owned a large three bedroom flat and wanted to convert and extend it to create two 2 bedroom flats. He had planning permission but no cash, and so was looking for 100% funding for the project. I was able to offer him several lenders who could assist. Having chosen the best option, he raised the required development finance without the need to put in any cash and has just finished what turned out to be a very successful project.
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My client had a cash flow crisis in his business and needed to raise £100,000 quickly against a property he was selling. I helped him arrange a non-status bridging loan until his property was sold. This bridging loan took a total of just 7 working days to put in place, including having a valuation done and carrying out all the legal work!
My client, having exchanged contracts on a residential investment property, was badly let down by his partner who decided to withdraw from the deal. As a result my client needed to complete but was £150,000 short. I put him in contact with a high speed non-status bridging lender who was able to provide a 3 month bridging loan within the necessary time scale and which meant he was able to complete on the purchase.
Often I am contacted by clients trying to move house. They are ready to complete on the purchase but then their sale falls through and they don't have the cash available to proceed with the proposed purchase. This was the case recently for one of my clients. I put her in contact with a lender who was able to arrange a bridging loan to enable her to proceed with the purchase. She sold her previous house about 8 weeks later and repaid the bridging loan.
I was recently approached by a client who was being pursued by the Inland Revenue for unpaid tax. He was selling a retail unit and the proceeds were being used to repay the outstanding tax. However, he was coming under increasing pressure from the Revenue because the sale had been delayed. I put him in contact with a lender who provides bridging loans on commercial property and as a result he was able to raise the necessary finance and repay his tax liability. The property has now been sold but, without a bridging loan to help, he would have had a major problem.
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