£3.5M Commercial Term Loan for Established Trading Business

Tailored Finance Solutions for Established Businesses

Sometimes, refinancing can be complex, particularly when a business is seeking both stability and growth capital. However, for this well-established trading business, our expert commercial brokers structured a seamless solution that not only refinanced existing borrowing but also secured additional funding to support future expansion.

The Challenge

Our client, a long-standing and successful trading business, needed to restructure their existing finance to achieve greater flexibility and improved terms. At the same time, they wanted to raise additional capital to invest in growth opportunities.

The challenge lay in finding a lender capable of:

• Offering competitive long-term rates for the refinance
• Providing additional funding alongside the existing debt
• Ensuring minimal disruption to day-to-day business operations during the transition

What We Did

We conducted a detailed financial review of the client’s trading performance and funding objectives to identify the most suitable lending partner. Through our extensive lender network and strong relationships, we:

• Arranged a £3.5 million commercial term loan
• Structured the facility to include a £2.5 million refinance of existing borrowing
• Secured £1 million in additional funding to support business growth and expansion plans
• Negotiated competitive terms that aligned with the client’s long-term strategy

The Outcome

Our proactive and strategic approach delivered a tailored finance package that positioned the client for sustained success.

The new facility provided:

• Improved cash flow and a more efficient funding structure
• Additional liquidity to invest in future opportunities
• A smooth transition from the previous lender with no operational disruption

By combining expert structuring with strong lender relationships, we helped our client strengthen their financial foundation and unlock new potential for growth.