Our Case Studies

Our past achievements and success with our clients is testament to the way we work.

Just some of our success stories.

By listening to the difficulties and aspirations of our clients we build a specific and relevant understanding of their needs. We do not adopt a “tick box” mentality.  Instead we ensure that all options are considered carefully with the client’s best interests in mind.

When an elderly couple’s son tragically died they were left with a mountain of various debts after inheriting his estate. A property within that estate was pivotal to resolving their financial situation. The property was assessed and rented out at a good market price. Despite the couple's age, a buy to let facility was arranged which discharged the debts and provided a good income stream.

When a client’s business was growing rapidly they were advised to obtain a bank loan. Unfortunately the bank would not support the business with any working capital. We considered all aspects of the client’s assets and arranged a second charge loan. This was secured against the private property which provided the necessary funds for the business to use as working capital thus allowing the business to expand.

A client owed £950,000 to a high street bank which had been secured upon a restaurant and investment properties but they had poor credit and little proof of income. We asked the clients to provide a full breakdown of their assets and rental income and with that we were able to arrange a bridging facility secured upon their properties whereby all monthly payments were taken up front to help cash flow allowing the bank to be discharged.

When a client’s mother died leaving her estate entrusted to him, he was left to pay an Inheritance Tax liability. The client had no business nor finance experience and was struggling with finding a viable solution. The land was assessed for potential residential development and he was supported in making a planning application which was submitted and accepted by the local authority. An experienced contractor and project manager were recruited for the development and a finance facility was arranged to start construction. This project allowed substantial profits to be released to the client. He now receives ongoing tax advice and support with his property portfolio.

A builder age 77 had "land banked" several parcels of land bought 15 to 20 years ago. He had obtained planning permission for residential development. However, his bank would not support him. He was having to raise small amounts of money secured on other assets to progress one of the sites on a piecemeal basis. This office discussed the situation with the client and arranged 100% of the build costs to build out the whole development. The client's response was "why did I not meet you people years ago?"

A builder/hotelier had an opportunity to buy a piece of residential development land, build out the project and clear £1 million in profit. Unfortunately the client had no liquid cash. However, this office arranged a second charge facility secured on the hotel to buy the land and 100% of the build costs i.e. 100% funding.

A builder spotted an opportunity to buy a plot of land and build out a property. The total project cost was £1million and the potential profit was £300k. The builder client had only £100k to input to the project. In turn, Mezzanine finance was arranged whereby the mezzanine funder input £200k, debt finance of £700k was arranged and the builder input his £100k. On completion, the subsequent profit of the project was £300k. The builder kept 65% of the profit (£195k) and the Mezzanine finance funder kept 35% of the profit (£105k). The builder was very happy as he then had his original £100k and a further £195k to invest in his next project.

A previously very successful property developer had lost his portfolio during the crisis. However, although he has no assets or cash, he still has the ability to "spot an opportunity". In turn, he found a project to buy a commercial property, convert it into residential and sell on. The project required a total funding package of £10.5 million to achieve a profit of £9 million. Subsequently, the client was introduced to a high net worth individual who is funding the whole project on a joint venture basis to share 50% of the profits. The client is very happy as 50% of something is better than 100% of nothing.

Asset Based Lending

When a client was made redundant from a long serving career he sought to become self employed and established his own engineering company using the many industry contacts including prospective clients he amassed during his employment. Having limited funds to start up his business and purchase the necessary machinery he approached his bank for support. With the bank unwilling to help a full appraisal of his business plan was carried out to assess commercial viability. A 100% facility was put in place to purchase the machinery on favorable terms allowing the client to start his business.

Equity Release

A long time established businessman was struggling with mounting creditors and cash flow problems following a bad debt to his business. All aspects of his business were considered but there was insufficient security available. His elderly parents were willing to use their unencumbered property to raise funds for their son by way of an Equity Release Plan which we arranged allowing him to regain control of a difficult financial situation.

Secured Loans

A Landlord with 17 properties all mortgaged up to 75% loan to value wished to buy more properties but had no deposits. In turn it was possible to release equity on all 17 properties up to 85% loan to value, thereby providing a cash sum for deposits to buy more property. Furthermore, as the extra monies were on a second charge basis, the lender required no monthly repayments

Working Capital

A country hotel wished to carry out some minor refurbishment works during the quiet period of January. They required £60,000 that equated to one month’s credit card sales. The £60,000 was made available and repaid over 18 months.

Working Capital

A client’s employer closed leaving him without employment. During his employment he had built up a wealth of clients and was encouraged to set up his own limited company. After the initial trading period of only a few months, he realised business was going so well that he needed working capital facilities. Unfortunately because his business was in its infancy, his high street bank could not help. However, this office arranged an overdraft facility of £75,000 for 12 months, which helped the business expand quickly.


A successful hotelier traded as a partnership. Consequently, every year a demand for income tax of circa £150,000 was made by HMRC. The clients' new accountant incorporated the business and therefore reduced the ongoing annual tax liability. However, the current year's demand for £150,000 had to be paid. Subsequently this office arranged, within one week, an unsecured facility for £150,000 on a 12 month basis so that the HMRC bill could be discharged and the hotel's cash-flow was bolstered thereby assisting with ongoing repairs and renewals.


A retailer operating as a limited company was struggling with historical unsecured creditors of £100,000. The main cause of the company’s difficulties was excessive rental and rates because of the high profile location of the business. The core of the business was very profitable and therefore the directors decided to relocate to cheaper premises. However, whilst this action stabilised the company’s ongoing cash-flow and overheads, it did not deal with the problem of the £100,000 in unsecured creditors. Therefore, this office introduced the client to an Insolvency Practitioner who structured a liquidation of the company to write off the £100,000 in unsecured creditors. Subsequently a new limited company was created to carry on the retailing business and this office arranged £50,000 of Working Capital despite the historical credit problems.


A client is self employed and had a large HMRC liability which resulted in a Bankruptcy Petition being issued. The client was due to inherit a third of a parent's house once Probate was concluded. However, HMRC would not wait. Unfortunately the client could not demonstrate serviceability for a re-mortgage. Therefore, this office arranged a second charge bridge secured on the client's house on a no proof of income basis to discharge the Bankruptcy Petition. The bridge was arranged whereby the interest was rolled up and no monthly payments were necessary. Once Probate was concluded, the bridging loan was discharged.


A client is a discharged bankrupt. Unfortunately, the Trustee in bankruptcy required £80,000 in lieu of the Trustee's interest in the private residence. The client could not re-mortgage because of the bankruptcy. Therefore, this office arranged a second charge 10 year loan, on a no proof of income basis, secured on the private residence to discharge the Trustee's interest.