Funding for
Fund an acquisition
You've found a business or asset worth buying and the completion date is locked, but the bank can't settle inside the deal timetable and the capital you'd use is tied up in property you already own. A short-term facility secured against that property releases the cash to fund the deposit, the completion payment, or the gap until your acquisition finance lands. It's assessed on the security and the exit, not a full financials pack, so it can settle in days.
Indicative only — subject to assessment. Placeholder figures.
When a deal won’t wait for the bank to settle
Acquisitions run to a timetable, and the timetable rarely bends. There’s a completion date in the contract, a deposit due on signing, and a seller who won’t hold the asset while finance grinds through. Banks and longer-term acquisition facilities want full financials and a complete due-diligence pack, and they are taking longer over both — weeks, sometimes months — while the deposit and the completion date sit fixed in front of you.
The capital to bridge that gap is often already there, in property your company or trust owns. The problem isn’t whether the money exists; it’s that it’s locked up and the bank can’t free it inside the window the deal allows.
How the funding works
A second mortgage behind your existing loan — or a caveat over the title where the completion is only days away and speed matters more than term — releases equity from property you already own. There’s no refinance of your first facility and no disturbing the rate you already hold. The funds clear the deposit, the completion payment, or the gap before your acquisition finance settles, so you can move at the speed of a cash buyer.
It’s repaid when the longer-term acquisition facility lands, when a planned refinance completes, or once the acquired business is trading and integrated. Because it’s assessed on the security and the exit rather than a full financials pack, it can settle in days, not weeks.
When this works — and when to walk away
This suits a deal that stacks: a costed purchase at a justified price, with the target’s numbers verified and a clear exit to longer-term finance or a refinance. Used that way, short-term funding buys you speed on a good deal.
It cannot rescue a bad one. Most acquisitions that fall over do so in due diligence — the numbers don’t reconcile, or the price can’t be justified once the books are open. If the deal hasn’t been properly checked, borrowing fast against your property only enlarges the loss when it unwinds. Sometimes the right answer is to slow the deal down, not fund it faster. If you’re not certain the deal stacks, that’s a conversation to have with your accountant or adviser, and a proper due-diligence step, before any funding goes near it.
What we’ll need
The property and a rough sense of your equity position, the deal itself — what you’re buying, the price and the completion date — and the exit that repays the facility. It’s a light pack, not a full financials review; we confirm the security position and come back to you quickly.
- Companies or trusts buying a business or asset, with equity in property and a clear exit
- Buyers who need a deposit or completion payment before acquisition finance can settle
- Time-sensitive deals a bank can't fund inside the completion window
- Owner-occupier consumer borrowers (business-purpose only)
- Buyers chasing a deal that isn't costed, or whose numbers haven't been verified
- Anyone without a clear refinance or repayment exit
How it compares
FAQ
Can you fund a deposit or completion payment before my acquisition finance settles?
Yes — that's the common case. A short-term facility secured against property you already own releases the cash for the deposit or completion, then it's repaid when the longer-term acquisition facility lands or a refinance completes.
How fast can it settle?
Often within days once we have the security details, the deal and a clear exit — fast enough for a completion that's days away.
Do you refinance my existing mortgage?
No. The facility sits behind your existing mortgage as a second, or as a caveat on title, so your first facility stays untouched.
Do I need my first mortgage holder's consent?
Sometimes — a registered second mortgage can require a priority arrangement with the holder of your first mortgage. A caveat often doesn't. We confirm the position upfront.
What if the deal doesn't stack up?
Then borrowing against your property only enlarges the loss. Short-term funding bridges a costed deal with verified numbers and a clear exit; it can't rescue an overpriced or unchecked one. If you're not certain, check it with your accountant or adviser first.
Tell us about the deal.
The amount, the security and the completion date. We'll review and come back to you fast.
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