The business required £150,000. The aim was to create a structure that gave the company access to the capital it needed while recognising that different parts of the requirement could be treated differently. The client obtained the full £150,000 in a structure designed around the business rather than an off-the-shelf loan format. The interest-only element remained in place beyond the first year, becoming part of the company’s longer-term capital structure rather than a short-term fix. In total, we have arranged £392,000 for this business across five completed facilities.
An established brokerage required substantial funding. Instead of forcing the entire amount into one conventional repayment profile, the transaction was structured in two parts.
01
The requirement
The business required £150,000. The aim was to create a structure that gave the company access to the capital it needed while recognising that different parts of the requirement could be treated differently.
02
The challenge
A standard fully amortising loan isn’t automatically the right answer simply because it is easy to understand. The repayment structure itself can have a significant impact on business cash flow.
For this transaction, greater flexibility was needed.
03
The structure
The £150,000 facility was split into £78,000 on a five-year repayment structure and £72,000 on an interest-only structure.
That allowed the overall funding requirement to be met without forcing every pound of borrowing into the same repayment profile.
04
The result
The client obtained the full £150,000 in a structure designed around the business rather than an off-the-shelf loan format.
The interest-only element remained in place beyond the first year, becoming part of the company’s longer-term capital structure rather than a short-term fix.
In total, we have arranged £392,000 for this business across five completed facilities.
What our clients say
Simon has been fantastic in supporting my business to secure suitable funding across several deals. He is fair and always gives advice that is in the best interest of his clients. I would recommend them to anyone.
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Your business
Could this structure work for your business?
Every case is assessed on its own merits. These pages explain the finance used here and what lenders look at.
Client details are anonymised. Every case is different and past results don't guarantee future outcomes: lenders set their own criteria and all finance is subject to status.
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£600,000
£17,125.87