Funding with the End in Mind.
A well-established investor with fifty-two million pounds of mixed-use property, facing a five-year refinance across three lenders in the same quarter.
The client's portfolio had been assembled opportunistically over fifteen years. Debt sat across three lenders on non-aligned maturities. The next five-year window would see all three fall due within one quarter, while the market re-priced.
We recommended consolidation onto a single term facility with staggered break clauses, ring-fenced covenants, and headroom for a further acquisition already in solicitors' hands. The alternative, a straight refinance, would have preserved the problem for another five years.
A £42m senior term facility from a UK clearing bank, with a £10m committed acquisition tranche behind it. Priced 42bps inside the incumbent's renewal offer.
The refinance completed with fifteen days of headroom. The acquisition tranche was drawn within eleven weeks. The client's finance function now runs against one facility, not three.
The best time to refinance is rarely the moment the loan expires. It is the moment the strategy changes.
Every funding recommendation should begin with the end goal, not the product.
Understanding the client's objectives first allows funding to be structured around long-term success rather than short-term convenience.
That philosophy underpins every transaction completed by DGL Commercial Finance.
“The best time to refinance is rarely the moment the loan expires. It is the moment the strategy changes.
Many commercial refinancing opportunities are driven by more than replacing an existing loan. By taking time to understand the client's wider objectives, it's often possible to structure funding that supports future acquisitions, improves cash flow or creates greater flexibility.
That's why every conversation at DGL Commercial Finance starts with the end in mind.
Similar funding strategies may be suitable if you're:
Funding with the End in Mind.
Ours always begins with understanding where our client wants to finish.
Funding with the End in Mind.
