We were approached by a long‑standing client who wanted to release equity from their country estate in Jersey.
- Jersey Resident UHNWI
- SaaS Entrepreneur
- £7,250,000
- 3 Years, Interest Only
- LTV 60.00% / Rate 0.94% + BoE
Following an extensive refurbishment, the property value had increased by approximately £2m, and the client wished to release part of that equity.
SaaS businesses are typically valued on multiples of annual recurring revenue rather than profitability. That growth profile can make traditional financing challenging, particularly where short‑term profitability is reinvested in expansion.
To support the refinancing, we worked with the lender to evidence strong recurring revenue, long‑term customer contracts and sustained year‑on‑year growth, including relevant comparable transactions in the market.
We negotiated a competitive 3‑year term aligned with the anticipated sale of the business, together with a substantial reduction in the interest margin.
A complex transaction that highlights our ability to operate confidently beyond the mainstream.