Chapter 01
Challenge
The client had been offered a bridging loan to fund the deposit on a second commercial site, with the exit relying on the sale of an existing property already under offer. The numbers worked. The paperwork was in order.
All Client Success Stories
The Bridge We Recommended Against
The Bridge We Recommended Against
Funding with the End in Mind.
A business owner, an ambitious plan, and a bridge that on paper made perfect sense.
Advisory•Commercial Site•Deposit Bridge (declined)•Client home•Bridge Declined
Funding Snapshot
Client home
Funding Type
Advisory
Property
Commercial Site
Location
Client home
Purpose
Deposit Bridge (declined)
Sector
Advisory
Status
Bridge Declined
Chapter 02
Strategy
In conversation, three things became clear: the buyer of the existing property was not proceedable, the second site had unresolved title issues, and the client had no contingency if either slipped by more than eight weeks. Our recommendation was to pause.
Chapter 03
Funding
None. No facility was arranged.
Chapter 04
Outcome
The buyer withdrew six weeks later. The site was subsequently withdrawn from sale by the vendor. The bridge, had it drawn, would have entered default. The client is still a client.
Chapter 05
Lesson Learned
The most valuable advice a broker can give is sometimes the advice not to borrow. Trust is built in the conversations that do not become transactions.
The DGL Philosophy
Funding with the
End in Mind.
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 most valuable advice a broker can give is sometimes the advice not to borrow.
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Other client success stories.
DGL Insight
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.
A Similar Situation?
Could this approach work for you?
Similar funding strategies may be suitable if you're:
- Refinancing a commercial investment property
- Looking to release equity for future acquisitions
- Restructuring existing borrowing
- Purchasing through a limited company
- Building or expanding a commercial property portfolio
Independent Advice
Access to Specialist Lenders
Structured Funding
End-to-End Support
- Funding Strategy•
- Lender Selection•
- Transaction Management•
- Professional Coordination
Funding with the End in Mind.
In Closing
Every transaction tells a story.
Ours always begins with understanding where our client wants to finish.
Funding with the End in Mind.