A UK-based family office identified a rare off-market opportunity to acquire a commercial building in Fitzrovia. The seller imposed a strict ten-day completion deadline, which immediately ruled out traditional lenders who required weeks of underwriting. The client’s corporate structure involved several related trading companies and international assets, making liquidity assessment more complex than the timeline realistically allowed.
Million Plus Private Finance re-presented the client’s global income and balance sheet to demonstrate strong financial standing and future liquidity. We negotiated a valuation methodology that streamlined income verification and secured a loan at 65% loan-to-value on interest rolled-up terms through a private bank. The transaction completed ahead of the contractual deadline, preventing an increase in purchase price and maintaining continuity with the property’s existing tenants. The client later refinanced onto a lower-rate commercial mortgage once the transaction had stabilised.
