Highlights For January 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

Term Loan for a 57 Unit MUFB in Southampton

Claratus Commercial Finance recently arranged a £6.6m term loan to support the refinance of a 57-unit multi-unit freehold block (MUFB) in Southampton.

The asset comprised a large residential building that had been split into two separate titles, combining a former office conversion with new residential units developed within the airspace above. At the time of funding, the scheme was substantially complete, although certain elements were still awaiting final sign-off. 
 
Despite this, the lender demonstrated a pragmatic approach, agreeing to proceed with a term loan prior to full practical completion. To manage risk, a small retention was applied, to be released once the outstanding sign-offs were achieved. 
 
The transaction was completed at 75% loan-to-value, highlighting the lender’s appetite for well-structured residential investment assets and the importance of clear communication around development status, title structure, and exit strategy. 
 
This deal reflects Claratus’ ability to structure funding solutions for complex property assets, even where timing or completion constraints might otherwise delay a transaction. 

Featured Insight: Quick and Competitive Financing for Tax Bills 

Claratus Commercial Finance supports many clients with funding solutions to manage corporation tax, self-assessment, January tax bills, and other HMRC liabilities. In this article, we explore why many businesses choose to finance these obligations rather than pay a lump sum, and how spreading the cost can help protect cashflow and support ongoing trading. 

👉 Read the full article here: 
Quick and competitive financing for January tax bills | Claratus Commercial Finance 

Deal of the Month

£50k Funding Secured to Support Café Cashflow

Claratus Commercial Finance recently supported an independent café in securing funding to help stabilise cashflow following the UK Government’s April budget changes. 

The business had experienced increased pressure on liquidity due to a rise in operating costs, including higher wage expenses, increased employer National Insurance contributions, elevated energy costs, and ongoing loan repayments. 
 
To relieve this pressure, Claratus arranged a funding solution that refinanced existing borrowing while also providing additional working capital. 
 
By spreading repayments over a longer term, the restructure released meaningful monthly cashflow back into the business, strengthening day-to-day liquidity and providing greater financial headroom. This has allowed the business to continue trading confidently while managing the impact of rising costs. 
 
This case highlights how a well-structured refinancing solution can support hospitality businesses in maintaining stability during periods of economic change. 
 
This upgrade marks a positive step forward for the business, strengthening its operational capabilities while supporting the move toward greener, more sustainable transport solutions. Claratus Commercial Finance continues to assist SMEs across the UK in accessing smart, tailored funding to support growth and long-term success.