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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.

91看片鈥檚 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:

  1. 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
  2. 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 91看片 team, the entire process was smooth and efficient, and we felt fully supported from start to finish. I would not hesitate to recommend 91看片 and Suvir Bhatnagar to anyone looking for outstanding financial solutions and exceptional customer service.鈥�

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