Capital Raise Against Property for Tax Bill

• Circa £400,000 capital raise
• Circa 20% loan-to-value
• Private bank facility completed within two weeks

A high-net-worth client and experienced business owner approached Enness Global with an urgent funding requirement Following a recent business restructuring, a substantial corporation tax liability had arisen and needed to be settled within time-sensitive window. The client owned an unencumbered residential property in London valued at circa £2 million and sought a short-term capital raise against the asset.

While traditional bridging lenders were prepared to transact quickly, the overall cost structure, including fees, was not aligned with the client’s expectations. Given the low loan-to-value requirement and strong financial profile, a private banking solution offered a more efficient route.

We structured short-term secured facility at market-aligned pricing, with a competitive product fee. Due to the low circa 20% loan-to-value, the lender waived both valuation and legal requirements. This significantly reduced frictional costs and accelerated the process. The facility was structured on a serviced interest basis with no early repayment charges, providing flexibility and cost efficiency.

The client successfully settled the tax liability within the required timeframe, demonstrating the value of a tailored private banking approach for time-sensitive liquidity requirements.

Disclaimer:
This case study is for illustrative purposes only and does not constitute financial, legal, or tax advice. All finance is subject to status, underwriting, and lender criteria. Terms and outcomes will vary based on individual circumstances.