Replacing Expensive Finance To Unlock Growth In Specialist Care

The Client 

An established business owner operating within the specialist care sector was looking to strengthen the financial position of their business while creating the capacity for future growth. Their portfolio comprised residential care and supported living properties, all of which played a key role in delivering specialist care services. 

The Challenge 

The client required a high-leverage funding solution that would maximise the value of both their trading business and property assets. They also wanted to refinance away from an existing specialist lender with a higher cost of borrowing, reducing ongoing finance costs while releasing additional capital to support the continued expansion of the business. 

The Solution 

We structured a bespoke commercial finance solution that leveraged both the market value of the trading business and the care home properties, whilst also securing enhanced borrowing against the bricks-and-mortar value of the supported living portfolio. By carefully presenting the overall strength of the business and its underlying assets, we secured a facility with a mainstream high street lender, replacing the client's existing higher-cost finance with a more competitive long-term solution. 

The Outcome 

The refinance released significant capital back into the business, improving cash flow and providing funding for future expansion opportunities. In addition, moving from a specialist lender to a high street bank substantially reduced the client's ongoing interest costs, creating a more sustainable funding structure that supported both immediate growth plans and the long-term success of the business. 

Lender: Barclays 

Loan Amount: £2,300,000 

Interest Rate: 2.25% (Variable) 

Loan Term: 20 years