How Can We Help?: 0207 294 7500
Highlights For February 2026
From market insights to recently completed deals, we’ll keep you informed, inspired, and connected to the opportunities shaping the commercial funding landscape.
Case Study of the month
£1.51m term loan secured for Property Developer
Claratus Commercial Finance has successfully secured a £1.51 million term loan for an experienced property developer, supporting a portfolio of five newly built houses in Kent…
The transaction was arranged on behalf of a UK SPV borrower, where one of the shareholders is a foreign national. While this type of ownership structure can sometimes add complexity to funding applications, Claratus worked closely with the lender to ensure the deal progressed smoothly.
Leveraging its strong relationships within the lending market, Claratus approached a challenger bank that had previously funded the borrower and was keen to support the client again based on their proven track record. Through careful structuring and clear communication throughout the process, Claratus successfully secured funding at 65% loan-to-value, delivering a £1.51 million facility against the completed properties.
Featured Insight: Unlocking Cash from Existing Assets
Many businesses hold significant value in equipment, machinery, or vehicles that are owned outright but are not actively contributing to working capital.
Asset refinance, sometimes referred to as capital release, allows businesses to unlock cash tied up in these assets without needing to sell them or disrupt operations.
Through asset refinance or sale and leaseback structures, a lender can advance funds based on the current market value of existing equipment.
This enables businesses to release capital that can be reinvested into the company – whether to support growth, manage cash flow, fund expansion, or invest in new opportunities, while continuing to use the equipment as normal.
For many SMEs, this type of funding can be an effective way to access liquidity without taking on unsecured borrowing. With a wide range of specialist lenders active in the market, asset refinance has become an increasingly popular solution for businesses looking to make better use of the assets already on their balance sheet.
Case Study of the month:
£190k secured for Law Firm growth
Claratus Commercial Finance recently helped secure £190,000 in funding across two separate loan facilities to support an ambitious law firm as it enters its next phase of growth…
The firm is expanding its team by bringing in three new fee earners, a strategic move that will increase capacity and drive future revenue. However, as with many professional services businesses, periods of expansion can create short-term cash flow pressure while new hires build their caseloads and begin generating income.
Claratus worked closely with the client to structure a funding solution that would provide the necessary working capital during this transition.
By securing two complementary facilities totalling £190,000, Claratus ensured the firm had the liquidity required to support recruitment, manage cash flow, and continue scaling the business with confidence.
A reminder on what Claratus can do
At Claratus Commercial Finance, we work with a wide range of lenders across the market to help businesses access the funding they need to grow, manage cash flow, and take advantage of new opportunities. Our team can assist with a variety of funding solutions, including:
Term Loans:
Flexible funding that can be used for a range of purposes, including working capital, recruitment of new staff, business investment, or supporting specific projects.
HMRC Funding:
For businesses facing large tax liabilities, specialist funding can be arranged to spread HMRC payments into more manageable monthly instalments, helping to ease short-term cash flow pressure.
Machinery and Asset Finance:
Funding to purchase new equipment, vehicles, or machinery, as well as refinancing existing assets to release capital already tied up in the business.
Invoice Finance and Revolving Credit Facilities:
Facilities designed to unlock cash tied up in unpaid invoices, providing businesses with improved cash flow and ongoing access to working capital.
Property Finance:
Funding solutions across the property sector including development finance, bridging loans, buy-to-let (BTL) mortgages, and commercial property finance.
MBOs, MBIs and Acquisitions:
Structured funding to support management buyouts, management buy-ins, and business acquisitions, helping businesses and management teams take the next step in their growth journey.
If you would like to explore any of these funding options, the Claratus team would be happy to discuss how we can support your business or your clients.
