Structured funding built around our client’s business ambitions

Six years ago, a client approached us with the opportunity to purchase their first care home, which was a major milestone in their business journey.

They had secured an 85% mortgage but needed to demonstrate a 15% cash contribution to complete the purchase.

We stepped in with a structured loan facility secured against a buy-to-let property they owned outright. The facility was arranged over a five-year term, with the first 12 months on an interest-only basis, providing breathing space during the crucial first year of ownership.

After year one, the client had the flexibility to redeem the loan (plus an agreed interest fee) or allow it to convert automatically to a fully amortising facility over the remaining four years.

Fast forward to today, that original loan has now matured. Throughout the term, the client maintained the security to allow for future funding, positioning themselves to continue expanding their care home portfolio.

We’re now supporting them once again with the same flexible structure, helping to fuel the next phase of their growth.