Arc & Co. secured funding for three unique businesses
At Arc & Co., we understand that finance isn’t one-size-fits-all. While many brokers focus solely on straightforward property transactions, our team is regularly trusted to structure solutions for more complex assets, businesses, and circumstances.
Here are three recent deals completed by Laura Jane McCauley that highlight our expertise in navigating unique challenges and ability to think beyond conventional financing:
Acquisition bridge for a hostel in the Peak District. Hostels are non-traditional assets which, like hotels, experience seasonal revenue fluctuations, and the shared accommodation model with a reliance on group bookings make it harder for lenders to assess stable cash flow and long-term viability. However, our client was an experienced finance professional himself with an existing, income-generating first site and with this being his second. Laura arranged an acquisition bridging loan at 70% LTV and 1.09% per month to quickly acquire the site – the client is then immediately refinancing on to a refurb facility to renovate the site into a higher quality asset in time for summer bookings.
Eco-glamping and caravan site in Hampshire. With less than 25% of the site occupied by permanent buildings, this project was challenging to finance due to many lenders’ reticence to use land as security. On top of this, the site was already using bridge financing to enhance planning permission, but required a little more time to add further changes. Laura negotiated a competitive re-bridge offer at 50% LTV and 11% per annum, as well as a re-assessment of a valuation after the valuer had missed some critical features of the site. The client was able to receive sufficient funding to refinance the original lender as well as additional funds to continue improving the site.
Working capital for a law firm acting on behalf of victims of domestic abuse. The firm required fast and flexible funding to manage cash flow while handling urgent and sensitive cases. Laura secured a tailored facility with an innovative working capital lender that ensured the law firm could continue providing critical legal services without disruption. The facility, currently at £300,000 on a 60-day repayment term with a 2.09% unsecured interest rate per month, can be increased or decreased according to their needs, and was available to them less than two weeks after the initial introduction.
These cases demonstrate our ability to deliver financing solutions for unconventional assets, alternative business models, and unique funding requirements. Whether it’s acquisition bridging, refinancing, or specialist business funding, Arc & Co is here to provide the expertise and flexibility our clients need.