£410,000 Homeowner Business Loan Completed in Just 7 Days enabled a couple to refinance expensive stock finance, making the loan cashflow positive.

The Scenario

The customers came to us through a broker, looking for a way to ease the financial pressure on their business. They already had stock finance in place, but the cost was high and it was starting to squeeze their cash flow.

What they needed was a fast and flexible funding solution that would allow them to refinance this debt, lower their ongoing costs, and put the business back on a stronger footing.

What They Needed

• Loan Amount: £410,000
• Product: 2nd Charge Homeowner Business Bridging Loan
• Term: 18 months
• Purpose: Repay expensive stock finance

By refinancing, the clients aimed to reduce their interest costs by approximately £100,000 per annum, making the borrowing cashflow positive for the business.

Our Solution

We arranged a second‑charge bridging loan secured against their residential property. It was a rolled bridge, meaning no monthly repayments or affordability checks were required. This gave the customers access to the capital they needed without disturbing their existing first‑charge mortgage.

Because the facility was flexible and designed for speed, the funds were released quickly. This allowed them to clear the outstanding stock finance straight away and immediately improve the business’s financial position.

The Exit Strategy

A clear and credible exit strategy was already in place. The loan will be repaid through the sale of a property currently under construction, comfortably within the agreed 18‑month term.

How Quickly It Completed

• Initial Enquiry: 20 March
• Fully Packaged Application Submitted: 25 March
• Completion & Funds Released: 2 April

 Total time to complete: Just 7 days from submission

The Outcome

• Replaced high-cost stock finance
• Reduced annual interest costs by ~£100,000
• Improved business cash flow immediately
• Delivered funding within a tight timeframe

Why This Worked

This case highlights how a 2nd charge bridging loan can be a powerful tool for business owners who need to unlock equity quickly, without refinancing their main mortgage.