The borrower was a UK-based commercial landlord holding a diversified portfolio of regional industrial and office assets, with a focus on stable, income-producing properties. The requirement was to refinance a multi-let commercial building valued at approximately £4.6 million in order to consolidate existing facilities and improve cashflow efficiency.
High-street commercial lenders assessed the asset using inflexible debt service metrics and limited recognition of lease diversification and tenant covenant strength. Million Plus Private Finance positioned the refinancing through a private bank, presenting a detailed overview of the asset’s tenancy profile, lease maturities, and rental sustainability, alongside the borrower’s wider property holdings.
A £2.8 million commercial property loan was arranged with a tailored repayment profile aligned to rental income. The refinance improved liquidity management across the portfolio, simplified banking arrangements, and reduced near-term refinancing pressure while maintaining prudent leverage.
