Our client was a rural estate owner with agricultural land, let residential property, and commercial units held across multiple entities. Income was fragmented and retained within operating structures, making traditional affordability assessments restrictive. The requirement was to refinance existing borrowing and fund estate improvements without disrupting operational cashflow.
Million Plus Private Finance coordinated valuations across the land and income-producing assets and engaged a specialist lender with experience in complex rural estates. The facility was structured against the combined asset base, with repayment aligned to long-term planning rather than short-term income extraction.
The result was a consolidated agricultural property finance facility that improved liquidity management across the estate while maintaining operational stability. The structure supported long-term estate continuity, aligned with succession planning considerations, and provided greater capital efficiency across the client’s rural and income-producing assets.
