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Highlights for August 2026
Case Study: Recent Completion – 75% LTV Specialist Buy-to-Let.
We recently helped clients complete on the purchase of a five-bedroom, five-bathroom property, securing a specialist Buy-to-Let facility at 75% Loan-to-Value (LTV) through a challenger bank.
One of the borrowers had some historic adverse credit, which meant the application required a lender willing to look beyond a straightforward high-street credit profile and consider the circumstances behind the previous issues.
How Claratus helped: We reviewed the case before submission and identified a lender whose appetite was better aligned with the borrowers and the property. By presenting the background to the historic adverse clearly and providing the lender with the information needed to get comfortable with the overall application, we were able to help secure the required funding at 75% LTV. Specialist property finance doesn’t always have to mean compromising on leverage. The key can simply be knowing which lender is comfortable with the circumstances of the deal.
Have a property transaction that doesn’t quite fit the high street? Speak to Claratus Commercial Finance about the specialist options available.
Finance Insight: Is Your Business Finance Still Right for You?
At Claratus, we look at your existing commitments, cashflow and funding requirements before identifying suitable lenders and structures. With the funding market continuing to change, it can be worth looking beyond the headline interest rate when reviewing your business finance.
The market now includes traditional banks, challenger banks and specialist lenders, each with different approaches to sectors, security and credit profiles.
If you already have finance in place, it may be worth asking:
- Do you have enough funding headroom for the months ahead?
- Are your existing facilities still suitable?
- Could short-term borrowing be consolidated?
- Is there a better structure for upcoming investment?
- Could your assets, invoices or property provide alternative funding?
If you haven’t reviewed your business finance recently, speak to the Claratus team to explore your options.
Case Study: Recent Completion – £60k Business Consolidation Loan.
We recently arranged a £60k loan for a family-owned construction business, allowing the company to consolidate two smaller existing finance facilities while also releasing additional working capital back into the business.
Rather than adding another facility on top of the company’s existing commitments, we looked at the wider funding position and structured the new loan to refinance the existing borrowing.
This meant the business could reduce the number of separate facilities it was servicing, keep its overall monthly finance costs manageable and unlock additional cash to support day-to-day trading and future projects. For businesses already carrying finance, raising additional funding doesn’t always have to mean simply adding more debt and another monthly payment. In the right circumstances, consolidating existing borrowing while raising additional capital can create a much more manageable structure.
Already have business finance in place but need additional funding? We can review your existing commitments alongside the new requirement.
Book a Quick Call Today with the Claratus specialist team.
With access to an extensive panel of lenders, Claratus Commercial Finance can support even the most complex funding requirements, identifying tailored solutions that best meet your business’s needs.
