Specialist Mortgage & Commercial Finance Broker The UK
Real finance solutions for business owners, directors & the self-employed
Clear advice. No guesswork. No lender scripts
These case studies show how I help business owners, directors and self-employed clients secure funding when standard lender routes don’t fit their situation.
Each example highlights the constraints involved, the strategy used, and why a more considered approach mattered.
Case Study: Helping a Recycling Firm Fund Expansion
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Business type: SME recycling company
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Location: London
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Funding required: £30,000
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Purpose: Expansion and supplier payments
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Structure: Unsecured business loan
A growing recycling firm needed fast funding to support expansion without disrupting day-to-day cashflow.
The Challenge
Following a recent expansion, this London-based recycling business needed £30,000 quickly to cover the cost of newly acquired specialist equipment.
The priority wasn’t just speed it was protecting cashflow.
Paying suppliers outright would have restricted working capital at a critical growth stage, but the specialist nature of the equipment made traditional asset finance less straightforward.
The business needed a solution that was:
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Fast to arrange
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Flexible
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Not tied to physical asset security
How I Helped
After a face-to-face consultation, I took the time to understand:
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The business’s recent investments
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Ongoing supplier commitments
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How cashflow needed to be protected during expansion
Rather than forcing the case into a rigid lending route, I sourced an unsecured business loan structured to balance speed and affordability.
The facility allowed the client to:
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Pay suppliers promptly
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Avoid tying up valuable working capital
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Continue expanding without operational disruption
The funding covered essential operational items, including a weighbridge and additional specialist equipment, supporting the next phase of growth.
The Outcome
✔ Full £30,000 released
✔ Unsecured facility; no asset security required
✔ Structured over 36 months for manageable repayments
✔ Expansion supported without cashflow pressure
The loan was secured at a competitive rate, reflecting the strength of the business and the way the case was presented not just a headline figure.
“Stuart understood our needs quickly and delivered exactly what we needed fast, clear and on point.”
Thinking about funding business growth?
If you’re considering expansion, refinancing, or working capital and want to avoid guesswork a short conversation can usually clarify the best route forward.
Most clients book this call after reading one case, just to sense-check their options.
Just like this recycling firm, many business owners don’t realise how differently lenders view company directors compared to employees. If you’re planning to expand, refinance, or invest, find out in 2 minutes how mortgage-ready you are before you apply.
Testimonial
“Securing finance as a recycling business isn’t easy, but Stuart understood our challenges straight away. He arranged a business loan that allowed us to invest in new equipment and win larger contracts. The process was clear, fast and professional from start to finish.”
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Buying a business? Don’t guess your way through funding.
Most first-time buyers or directors don’t realise how much support is available from specialist lenders.
This guide walks you through how to fund a business purchase even if you’re not a homeowner or don’t have a massive deposit.
✅ What’s Inside:
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3 proven structures used by SME buyers
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Lenders that support MBOs and MBIs
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What documents you’ll need
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Common pitfalls and how to avoid them
Your business is unique. Your finance should be too.
Case Study – When the Clock Was Ticking on a Commercial Mortgage
A long-established business owner needed to refinance a commercial mortgage with just weeks left before expiry.
At a glance:
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Business type: Long-established SME
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Location: UK
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Funding challenge: Commercial mortgage expiry
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Key constraint: Severe time pressure
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Outcome: Mortgage cleared before expiry using an alternative structure
The Challenge
A profitable, long-established business owner came to me with a pressing issue:
his commercial mortgage was due to expire in just six weeks.
Despite the strength of the underlying business, refinancing through traditional routes was proving almost impossible:
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Lenders were hesitant due to the client’s stage of life
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The property had been down-valued following damp issues
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The existing lender was demanding very high fees simply to extend the facility
Time was running out.
Failure to act risked default, unnecessary cost, and disruption to a carefully planned exit from the business.
The client wanted a five-year solution that would:
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Clear the existing mortgage
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Stabilise cashflow
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Provide certainty while planning his exit
How I helped
Rather than pushing for a like-for-like refinance, we stepped back and looked at alternative structures.
After assessing the wider financial picture, I identified a more effective route:
an unsecured business loan backed by a Personal Guarantee, designed to prioritise speed and flexibility.
This approach avoided the usual bottlenecks and allowed the client to move quickly — without being constrained by property valuation delays or rigid mortgage criteria.
Why this worked
This structure meant:
✔ No property valuation delays
✔ No early repayment charges full flexibility
✔ Funds released within 10 days of application
✔ Existing mortgage cleared before expiry, avoiding default risk
To further protect the client, financial protection was arranged alongside the facility, providing additional peace of mind around the Personal Guarantee.
The Outcome
By taking a smarter, structured approach, we avoided a costly and stressful mortgage process.
Instead, the client achieved:
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Certainty — the mortgage was cleared in time
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Control — flexibility to repay on his terms
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Peace of mind — his business exit strategy remained intact
Most importantly, pressure was removed at a critical moment allowing decisions to be made calmly, not reactively.
Testimonial
Stuart helped me secure a £400K mortgage in 6 weeks after two banks said no” ⭐⭐⭐⭐⭐.
Thinking time pressure limits your options?
When deadlines are tight, lenders want reassurance that your finances are properly structured.
A short conversation is often enough to identify whether a faster, more effective route exists — before stress sets in.
Case Study: First-Time Buyer Secures Mortgage After Just 1 Year of Self-Employment
A first-time buyer was repeatedly told “no” despite strong income, savings, and credit simply because she hadn’t ticked the two-year box.
At a glance
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Client profile: First-time buyer
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Location: Brighton
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Occupation: Self-employed freelance copywriter
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Time trading: 1 year
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Key barrier: High-street lender criteria
The Situation
After leaving a successful employed career to go freelance, the client had completed her first year of self-employment and submitted her first tax return.
On paper, she was in a strong position:
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Consistent income
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Healthy deposit
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Excellent credit history
But every lender she approached gave the same answer:
“You need two full years of self-employed accounts.”
Despite doing well in business, she felt locked out of the property market not because of affordability, but because she didn’t fit a standard checkbox.
The Problem
Most high-street lenders apply rigid rules to self-employed income, even when the wider picture is strong.
In this case, the issue wasn’t risk it was presentation and lender fit.
The challenge was to:
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Prove income consistency with limited trading history
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Package the case clearly
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Approach lenders who assess self-employed clients more realistically
How I Helped
I put together a clear, structured plan:
✔ Reviewed filed accounts and Tax Year Overview
✔ Worked with the client’s accountant to provide a projection letter
✔ Collected evidence of active contracts and supporting bank statements
With the income story clearly presented, I approached a specialist lender that considers applications with just one year of trading, provided the case is packaged correctly.
The Outcome
✔ Full mortgage approval with no delays
✔ Competitive fixed rate secured
✔ Completion and move-in within nine weeks
✔ Confidence restored with breathing room to grow the business
What She Said
“I thought I’d have to wait another year. Stuart got me into my first home when others said no and explained every step so it actually made sense.”
Self-employed and being told to wait?
If you’ve been trading for at least 12 months and keep hearing the same answer, it doesn’t always mean you need to delay your plans.
Often, it means the case hasn’t been structured or placed properly.