We’re sharing real examples of how we have transformed the financial outcomes for clients facing a wide range of different challenges.
Read on to discover how we helped a client secure funding and find solutions to release equity in their property, while overcoming complex planning considerations that needed resolution before funding could be finalised.
What problem was the client facing?
A client needed funding to support a business acquisition, including a buy-to-let transaction on their own property, and an additional cash flow loan.
Conventional business lending was providing a few options, but the total costs were very high. The wider position was also complicated by complex planning questions over their property with a split freehold.
What had they tried themselves?
The client had initially dealt with another broker, who concentrated on secured loan products. Like many business owners facing an urgent funding requirement, they were focused on securing enough capital to complete the transactions and on the interest charged, rather than examining the total cost and suitability of each option. When we looked at the total costs with them, it became clear that they needed more creative, albeit complex solutions.
What solution did we find?
We looked beyond a standard business loan and considered the client’s full financial and property position.
After working through the freehold, planning and valuation complexities, we developed a solution that used the client’s property assets alongside cash-flow funding. This creative structure enabled the acquisition to proceed within the tight timeframe they were working to.
The eventual solution was an unsecured cashflow loan, which had an interest rate of approximately 16%. This was more reasonably priced than the available alternatives and, importantly, affordable for the business.
What changed for the client?
The client successfully completed the acquisition and secured the cash flow needed to continue operating.
Finding a workable route through the complexity gave the client considerable relief and allowed them to remain focused on growing the business. Although the eventual structure was not exactly what they had first envisaged, our involvement gave them an achievable, sustainable solution. And throughout, Pegasus Funding Solutions was a trusted partner that helped them navigate the obstacles that emerged through the process.