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Case Study | Refinance

Refinance delivered after traditional lenders withdrew due to insolvency concerns

A strong property-backed deal stalled because of historic association with insolvency.

The situation

An experienced investor owned three well-let commercial properties across separate entities.

On paper, the deal was straightforward: solid valuations, stable tenants and modest gearing.

But when existing debt came up for renewal, lenders withdrew.

The issue wasn’t the assets. It was a historic insolvency association linked to one tenant — enough to trigger credit policy rejection.

The challenge

This was not a pricing issue. It was a structuring and credit narrative problem.

What Branta did

This was not about “finding a lender”. It was about making the deal fundable.

The outcome

“When things became complicated, Branta didn’t step back. They worked through the detail and got the deal done.”

What this shows

Many funding situations don’t fail because they are bad deals.

They fail because they don’t fit neatly into lender policy.

Branta works on transactions where structure, judgement and narrative matter as much as the numbers.

If a refinance has stalled, it is worth taking a different approach

A short conversation can quickly clarify whether the issue is structural, presentational or lender selection.

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