Expansion and Refinance

A specialist care provider operating multiple residential homes and educational facilities for young people with additional needs approached us to support an ambitious growth plan.

The organisation had built a strong reputation within the sector, with its existing sites consistently achieving positive regulatory outcomes and providing high-quality care and education services. As demand for specialist placements continued to grow, an opportunity arose to acquire an additional property that would further expand its provision.

To support the acquisition, the business required funding to refinance existing borrowing while also releasing capital towards the purchase and associated project costs. The new property offered immediate income potential, helping support the expansion plans while conversion works were undertaken to bring the site into full operational use.

We arranged a £1.6 million funding package at a conservative 47% loan-to-value, enabling the organisation to repay existing secured debt and access additional capital for the new project. The structure was designed to support cash flow during the transition period, giving the business the flexibility needed to grow without placing undue pressure on day-to-day operations.

The transaction provided a platform for continued expansion, allowing the organisation to increase its capacity, invest in new facilities and continue delivering specialist care and educational support to young people with complex needs. With a clear growth strategy in place and strong trading performance, the business is well positioned to build on its success and expand its positive impact within the sector.