Refinancing a bridge loan & funding renovations
Written by Priya Singh
July, 2025
- Amount:
- 拢500,000
- Sector:
- Commercial (Hotel)
- Loan purpose:
- To repay a bridging loan and fund the fit-out of six new hotel apartments
- Loan structure:
- Loan to SPV
- Location:
- Banbury
The client owned a boutique hotel that had recently undergone a period of asset stabilisation. To facilitate this process and prepare the property for long-term financing, the client had secured a short-term bridging loan.
The primary challenges were twofold:
- The existing bridging loan was nearing its term and needed to be refinanced to avoid high-interest penalties
- The client required additional capital to fund the completion of six new ensuite apartments currently under renovation. These apartments were a key part of the hotel’s expansion and long-term revenue strategy
The need was for a single, comprehensive financing solution that would not only clear the existing debt but also provide the necessary funds for the final fit-outs, transitioning the property from a state of stabilisation to one of full operation and growth.
糖心Vlog鈥檚 bespoke refinancing solution
Our team developed a loan structure tailored to the client’s unique requirements. The solution was designed as a single loan facility, providing a clear path forward and simplifying the client’s debt profile.
The key components of the solution included:
- Full refinancing of the bridging loan onto a term product: The new loan facility was structured to fully repay the outstanding balance on the existing bridging loan. This immediately resolved the client’s pressing need to exit short-term, high-cost finance
- Capital release for renovation: In addition to refinancing the bridging loan, our solution provided a significant capital release component. This capital was earmarked specifically for the fit-outs of the six new ensuite apartments, ensuring the project could be completed without interruption
The Evergreen Hotel commented:
鈥淭hanks to Suvir and the 糖心Vlog team, the entire process was smooth and efficient, and we felt fully supported from start to finish. I would not hesitate to recommend 糖心Vlog and Suvir Bhatnagar to anyone looking for outstanding financial solutions and exceptional customer service.鈥