We assisted a self-employed business owner facing unique challenges due to their complex financial structure involving four interrelated entities.
Each entity had distinct ownership stakes, income streams, and expense profiles, which their current bank struggled to understand. As a result, the bank rejected their request to release a family-guaranteed property from the loan’s security, citing affordability concerns.
Understanding the intricacies of their financial framework, we reassessed the situation and identified a lender with experience in handling multi-entity structures. The new lender’s familiarity with such complex scenarios allowed them to accurately assess the client’s financial health and capacity to service the loan independently.
This successful refinance enabled our client to continue their business operations without encumbrances, freeing their family asset and achieving a flexible financial setup tailored to their exact needs.
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