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Highlights for October 2026
Case Study: £200,000 Secured to Support Retail Business Expansion.
Claratus Commercial Finance recently arranged a £200,000 secured business loan for an established retail business owner looking to expand their brand through the acquisition of an additional store.
The client had identified an opportunity to purchase another retail premises, allowing them to grow their existing portfolio of shops and strengthen their presence in the market. However, accessing the capital required for the acquisition was an important part of making the expansion possible.
Rather than relying solely on traditional business lending, Claratus explored alternative funding options, identifying an opportunity to utilise the equity held within the client’s residential property.
By using the residential property as security, Claratus successfully arranged a £200,000 secured loan, releasing the capital needed to fund the purchase of the additional store and support the next stage of the business’s growth.
This case highlights how business owners can use equity in existing property assets to unlock funding for commercial opportunities, without necessarily needing to sell those assets.
Looking to expand your business but need access to capital?
Whether you’re opening another location, acquiring a competitor or investing in the growth of your business, Claratus can explore funding solutions tailored to your circumstances.
Contact Claratus Commercial Finance to discuss how we can help fund your next business opportunity.
Market Insight:
The January Tax Crunch: Why Businesses Should Be Planning Their HMRC Funding Now
January might seem a long way off, but for many UK business owners, one of the biggest financial deadlines of the year is fast approaching.
With the 31 January 2027 Self Assessment deadline approaching, sole traders, business partners and LLP members could be facing significant tax payments, potentially including both a balancing payment for the previous tax year and a payment on account towards the next.
For businesses already managing rising operating costs, loan repayments and day-to-day expenses, a substantial tax bill can place additional pressure on cash flow, even when trading performance remains strong.
The good news? There may be funding options available.
Rather than allowing a large tax payment to disrupt working capital, alternative finance solutions can help eligible businesses and individuals spread the cost over manageable repayments, preserving cash reserves for everyday operations and future growth.
At Claratus Commercial Finance, we work with a range of specialist lenders offering tax funding and working capital solutions, including facilities tailored to professional practices such as solicitors and accountants.
Don’t leave your January tax planning until January.
Exploring funding options early can provide more flexibility, allowing time to assess affordability, compare suitable lenders and arrange finance before the payment deadline.
Have a tax liability approaching? Speak to Claratus Commercial Finance to explore your funding options.
Case Study: 75% LTV HMO Finance Secured Despite Adverse Credit.
Claratus Commercial Finance recently arranged a £285,000 mortgage for a six-bedroom House in Multiple Occupation (HMO) in Nottingham, achieving 75% loan-to-value despite the company director having a history of adverse credit.
The property was held within a limited company structure, with a sole director whose previous credit issues added complexity to the application. While adverse credit can restrict borrowing options, it does not necessarily prevent property investors from securing competitive mortgage terms.
By identifying a lender with the appropriate appetite for both HMO properties and applicants with historic credit issues, Claratus successfully secured the required funding at 75% LTV.
The Finance Arranged:
- Property: Six-bedroom HMO, Nottingham
- Property valuation: £380,000
- Loan secured: £285,000
- Loan-to-value: 75%
- Fixed interest rate: 6.44%
- Borrower: Limited company with a sole director
This case demonstrates how the right lender selection can make a significant difference, particularly where an applicant’s credit history may not meet traditional lending criteria.
Have a property finance requirement that isn’t straightforward?
Whether you’re financing an HMO, refinancing an investment property or dealing with historic adverse credit, Claratus can help identify lenders willing to consider the wider circumstances of your application.
Contact Claratus Commercial Finance to discuss your property funding requirements.
Product Insight: The Rise of Flexible Business Lending: Are Revolving Credit Facilities Replacing Traditional Loans?
For many UK businesses, cash flow doesn’t always follow a predictable pattern. So why should business funding?
Traditional business loans remain a popular option for companies looking to invest in growth, purchase equipment or fund larger projects. However, more businesses are exploring flexible funding solutions that allow them to access capital as and when they need it.
One increasingly popular option is a Revolving Credit Facility (RCF), which provides businesses with access to an agreed credit limit without necessarily having to borrow the full amount upfront.
Unlike a traditional term loan, where funds are advanced in one lump sum and repaid through scheduled instalments, a revolving facility allows businesses to draw funds when required, repay them and potentially access the available credit again.
This can be particularly useful for businesses managing seasonal fluctuations, waiting for customer invoices to be paid or dealing with unexpected expenditure.
Could a revolving facility be better than a traditional business loan?
It depends on the purpose of the funding. A traditional loan may be more suitable for a significant one-off investment, particularly where longer repayment terms are required. A revolving facility, however, can provide greater flexibility for businesses with ongoing or fluctuating working capital requirements.
At Claratus Commercial Finance, we work with a range of lenders offering both traditional business loans and flexible credit facilities, helping businesses identify funding structures that suit their cash flow and growth plans.
Could your business benefit from more flexible access to working capital?
Speak to Claratus Commercial Finance to explore whether a revolving credit facility or traditional business loan could be the right solution for your business.
