BTG secures £6.4 million property finance for Scottish housebuilder

The Challenge

A mid-sized Scottish housebuilder with a nine-year track record of delivering hundreds of homes across Scotland sought its first bank funding facility to accelerate growth beyond owner-capital financing. The company required £6.4 million to break ground on a 75-home development whilst running multiple concurrent projects, needing innovative financing enabling deployment of own capital for hard-to-fund land acquisitions. Traditional property finance structures proved unsuitable, requiring a hybrid solution similar to peak debt funding models typically unavailable to regional developers of this scale.

Our Approach

Once appointed, BTG brokered the facility with a specialist property development bank, exploring multiple options supporting the housebuilder's growth strategy whilst providing support throughout the bank's due diligence processes. Working collaboratively with the lender, we structured an innovative finance package specifically developed for this transaction, enabling the client to run three or more concurrent housing projects.

The Outcome

We successfully secured the £6.4 million property finance facility, enabling delivery of much-needed, high-quality homes to Scotland whilst providing sustainable, profitable growth platform. The innovative structure de-risked investments through reduced project timelines, establishing foundation for continued expansion.