The borrower was the owner of a long-established UK manufacturing business seeking to acquire its trading premises following the expiration of a long-term lease. The property value was approximately £3.4 million, and the borrower required a commercial mortgage structure that avoided excessive amortisation and preserved cash within the operating business.
Standard commercial mortgage routes focused on historic remuneration and imposed aggressive repayment schedules that constrained cashflow. Million Plus Private Finance presented the case to a private bank using a balance-sheet-led assessment, highlighting retained profits, asset backing, and the strategic importance of property ownership to the trading entity.
A £2.1 million commercial mortgage facility was structured with a hybrid repayment profile, allowing for flexibility while maintaining lender comfort. The outcome secured long-term occupation of the premises, reduced rental exposure, and preserved liquidity for ongoing business operations.
