Highlights For May 2026 

Case Study

Asset Finance in Action: Helping a Customer Invest in New Gaming Equipment

At Claratus Commercial Finance, we recently supported a customer in the leisure and entertainment sector with the acquisition of new gaming amusement machines, including Crazy Toy Galaxy and Crazy Toy Luna units.

Rather than committing a significant amount of working capital upfront, we arranged an asset finance facility that enabled the customer to spread the cost over 24 months with no additional deposit required. This allowed the business to preserve cash flow while immediately benefitting from the revenue-generating potential of the new equipment.

Asset finance continues to be an effective solution for businesses looking to invest in equipment, machinery, vehicles, or technology without placing unnecessary pressure on cash reserves. By matching repayments to the useful life of the asset, businesses can continue to grow while maintaining financial flexibility.

If your business is considering investing in new equipment and would like to explore funding options, our team would be happy to help.

Case Study

Property Finance Success: Supporting a First-Time Investor

Claratus Commercial Finance recently arranged a £263,010 term loan facility with a specialist lender to support the purchase of a residential property in Stockport. 

While the asset is classified as a standard C3 residential property, the borrower intends to operate it as a care-home-style living arrangement, requiring a lender capable of understanding the nuances of the proposed use and assessing the opportunity on its individual merits. 

The transaction was particularly notable as this represented the borrower’s first buy-to-let property purchase. By working closely with both the client and lender, we were able to secure a funding solution that met the client’s requirements and supported their longer-term investment strategy. 

This deal highlights the importance of engaging with specialist lenders when a property’s intended use falls outside traditional buy-to-let criteria. With access to a wide range of funding partners, Claratus Commercial Finance can help borrowers navigate more complex property transactions and identify the most suitable funding solutions for their needs. 

Featured Insight:

The Growth Guarantee Scheme: Supporting Lenders or Borrowers?

Many business owners hear “Government-backed loan” and assume the Growth Guarantee Scheme (GGS) exists to make borrowing easier or cheaper for them. While businesses can certainly benefit, the scheme is actually designed primarily to support lenders. 

Under the Growth Guarantee Scheme, the Government provides lenders with a partial guarantee against losses if a borrower defaults. This reduces the lender’s risk and encourages them to support businesses that may not otherwise fit their standard lending criteria. 

Importantly, the borrower remains fully responsible for repaying the facility. The Government guarantee protects the lender, not the business. In most cases, businesses are still subject to the same affordability, credit, and underwriting assessments as they would be for a conventional facility. 

The benefit to lenders is clear. The scheme allows them to extend funding to a wider range of businesses, including those with limited security, shorter trading histories, or circumstances that may fall outside their normal appetite. 

For borrowers, the real advantage is increased access to funding rather than lower costs. A business that may struggle to secure a conventional facility could find additional options available through a lender participating in the Growth Guarantee Scheme. 

The key takeaway is that GGS does not remove risk from the borrower; it removes part of the risk from the lender. By doing so, it helps unlock funding opportunities that might not otherwise be available.