Capital Raise Remortgage for Client Looking to Grow their Business
Featured Snippet: Articus Finance structured a capital raise remortgage for client looking to grow their business, unlocking £650,000 from a £1.05m property to support expansion despite the challenges of self-employment and time sensitivity.
Introduction
Completing a capital raise remortgage for client looking to grow their business requires balancing risk appetite, lender flexibility, and rapid execution. Entrepreneurs often struggle to access high-value finance due to irregular income or cautious lending criteria. This case study demonstrates how Articus Finance leveraged its independence and private lender relationships to secure vital business capital for self-employed applicants against a prime London asset.
Client Background
This case was referred by a trusted solicitor partner who introduced a High Net Worth couple based in London. The couple owned a two-bedroom apartment in South Kensington valued at £1.5m, with £1.05m mortgageable value identified as the basis for refinancing. They were self-employed professionals with strong business activity but faced complex income presentation requirements. Their objectives were:
- Free equity through a remortgage to raise £650,000.
- Redirect funds into business investment and repayment of existing credit obligations.
- Complete swiftly due to business-driven deadlines.
Despite solid financial standing, lenders were cautious toward self-employed borrowing profiles, particularly for capital releases linked to business expansion.
The Challenge – Capital Raise Remortgage for Client Looking to Grow their Business
Arranging capital raise remortgage for client looking to grow their business was fraught with multiple obstacles:
- Self-employed income: Lenders are often reluctant to fully credit irregular or project-driven cashflows, preferring stable salaried evidence.
- Capital purpose: Raising equity for business ventures can deter mainstream retail lenders, given the perception of higher forward risk.
- Short deadline: Expansion goals required immediate access to capital, limiting room for extended negotiations or slow approvals.
- External complexity: Business performance reflected slight volatility over the coronavirus period, raising additional caution for lenders.
Our Solution
Articus Finance navigated these hurdles by drawing on its wide-ranging lender panel and reputation for structuring complex funding solutions. The strategy included:
- Identifying a niche lender receptive to capital-raise remortgages tied to business expansion.
- Presenting income evidence in a holistic way—averaging results over prior years while highlighting recovery beyond short-term Covid impact.
- Negotiating rapid due diligence to align with time-sensitive business requirements.
- Ensuring legal and lender channels moved in sync via proactive case management to avoid delays.
The outcome was successfully securing £650,000 against a £1.05m remortgage base, structured to lessen risk perceptions while delivering liquidity for growth. This reinforced how tailoring presentation and leveraging lender trust can unlock access where conventional routes fail.
Key Highlights
- Property value: £1.05m basis within £1.5m South Kensington apartment.
- Loan facility: £650,000 raised through remortgage.
- Client type: HNW, self-employed professional couple.
- Challenges: Business expansion purpose, irregular income, urgency of requirement.
- Solution: Specialist lender with appetite for equity release and nuanced view of self-employment earnings.
- Outcome: Successful capital raise remortgage secured on competitive terms with fast turnaround.
Why Articus Finance Delivered
Completing a capital raise remortgage for client looking to grow their business showcased Articus Finance’s unique position in the market. By accessing specialist lenders willing to consider nuanced risk profiles, we secured approval where mainstream institutions might have resisted. Our independence and proven relationships meant the client avoided costly delays, achieved liquidity, and pressed ahead with business expansion.
Articus Finance continues to deliver outcomes tailored not only to property lending but also to wider wealth strategies, ensuring capital structures support long-term growth.
Explore Related Insights
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- Financial Conduct Authority (FCA)
Final Thoughts
This case demonstrates that a capital raise remortgage for client looking to grow their business is possible with bespoke lender access and careful structuring. Articus Finance unlocked equity at speed, enabling the client’s expansion ambitions through disciplined negotiation and independent market reach.
