Case Studies
What the transactions actually looked like.
Refinancing a family manufacturing group
A four-generation manufacturer with a retiring shareholder needed to buy out a 30% stake without starving the business of working capital. The incumbent bank offered a facility that would have done exactly that.
We structured a term loan against the freehold alongside a revolving facility sized to the debtor book, so the buyout and the working capital did not compete. Completed in eleven weeks.
A contractor declined four times
A specialist contractor with three years of strong but irregular income had been declined by four lenders whose systems averaged the income to a figure that did not reflect the trajectory.
We read the contracts, modelled the pipeline, and lent on the evidence. The facility has performed since.
A hotel with a seasonal problem
A coastal hotel with excellent summers and thin winters had a facility with flat monthly repayments that made every February a crisis. We restructured to a seasonal amortisation profile matched to actual trading.
A note on these
Details are changed enough to protect confidentiality. The structures and the reasoning are as they happened.
