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Highlights for July 2026
Case Study: £150,000 Corporation Tax Funding Supports Business Cashflow.
Claratus Commercial Finance recently arranged a £150,000 corporation tax funding facility for a scaffolding business, enabling the company to spread its tax liability over 12 affordable monthly repayments rather than making a substantial one-off payment to HMRC.
By financing the corporation tax bill, the business preserved valuable working capital, strengthened day-to-day cashflow, and maintained the liquidity needed to support ongoing projects, payroll, supplier commitments, and future growth.
Corporation tax funding is an increasingly popular solution for businesses looking to manage large tax liabilities without disrupting operations or drawing heavily on cash reserves. Spreading the cost over a fixed term provides greater financial certainty while ensuring HMRC obligations are met on time.
At Claratus Commercial Finance, we work with a wide panel of specialist lenders to help businesses access fast, flexible tax funding solutions tailored to their individual requirements – allowing them to retain cash within the business and focus on what matters most: continued growth and success.
Featured Insight: Understanding Personal Guarantees.
If you’ve applied for business finance, you’ve probably come across the term Personal Guarantee (PG). While it can sound intimidating, a Personal Guarantee is simply a commitment from a business owner or director to repay a loan if the business is unable to meet its repayment obligations.
Personal Guarantees are commonly used by lenders when providing unsecured finance or where a business has limited assets to offer as security. By reducing the lender’s risk, they can help businesses access funding that might otherwise be unavailable.
It’s important to understand that a Personal Guarantee does not automatically place a charge over your home. However, if the guarantee is called upon and the debt remains unpaid, the lender may pursue legal action to recover the outstanding balance. In some circumstances, a lender may require a Personal Guarantee to be supported by a legal charge over a property, but this would always be disclosed and agreed before the facility is completed.
Not all Personal Guarantees are the same. Some are limited, capping the guarantor’s liability to a specified amount, while others are unlimited, covering the full value of the borrowing and any associated costs. Understanding the scope of your liability is a key part of making an informed funding decision.
At Claratus Commercial Finance, we ensure our clients fully understand the terms of any Personal Guarantee before proceeding, helping them make informed decisions and secure the most appropriate funding solution for their business.
Case Study: Recent Completion – £9.95m Development Finance Facility.
Claratus Commercial Finance has successfully secured a £9.95 million development finance facility for a UK Special Purpose Vehicle (SPV), funding the construction of 38 new homes in Broadstairs, Kent.
The experienced developer acquired the site four years ago and subsequently secured planning permission, supported by a strong track record of delivering successful residential schemes in the local area. The completed development will comprise 11 affordable homes for sale, with the remaining 27 properties retained as a long-term rental investment, creating a sustainable income stream for the developer.
Following instruction of the legal team, the transaction completed in just three and a half weeks. Claratus introduced an experienced solicitor and maintained close communication with the client, lender, and professional advisers throughout the process, helping to keep the transaction on track and minimise delays.
The successful completion demonstrates the importance of experienced lender selection, effective deal structuring and proactive transaction management, particularly on larger and more complex development finance transactions.
Whether you’re funding your first development or expanding an established property portfolio, Claratus Commercial Finance can access specialist lenders and structure funding solutions around your individual requirements and development strategy.
When One Door Closes, Another May Open: Why One Lender’s “No” Doesn’t Mean the End of the Road.
A funding decline from one lender doesn’t necessarily mean your business is unable to secure finance. Different lenders have different criteria, risk appetites, and areas of expertise, so an application declined by one provider may be acceptable to another.
Some lenders are more comfortable with seasonal trading, historic losses, rapid growth, specific sectors, or more complex business circumstances. The key is identifying the lender whose appetite and criteria best align with your individual requirements.
As an independent commercial finance broker, Claratus has access to a wide panel of lenders and a broad range of funding solutions. We take the time to understand your business, objectives, and circumstances before identifying lenders that are best positioned to support your application.
A declined application doesn’t necessarily mean the end of the road. The right lender, the right structure, and the right approach can make all the difference. If you’ve been turned down for finance, speak to Claratus before assuming your options have run out.
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.
