# Refinance of commercial properties to assist a company with internal restructuring

Case study · United Kingdom · Published 2021-07-30 · Updated 2026-06-09 · By Rikvin Capital

> Location: Scotland, United Kingdom Market Value: £2,890,000 Loan Amount: £1,731,500

## Deal summary

| | |
| --- | --- |
| Asset Type | Portfolio of Commercial Properties |
| Locations | Scotland, United Kingdom |
| Loan Amount | £1,731,500 |
| Loan-to-Value | 60% |
| Market Value | £2,890,000 |
| Duration of Loan | 12 Months |
| Payment Schedule | Rolled Up + Monthly Interest Payment |
| Completion Time | 1 week |

Rikvin Capital, a leading provider of financial solutions, assisted a company in Scotland with their internal restructuring efforts through the refinancing of their commercial properties. The loan allowed the company to manage their short-term cash flow requirements and make necessary changes to improve their overall financial standing. With Rikvin’s expertise and understanding of the market, the company was able to secure the financing they needed to achieve their goals and move forward with their business plan.

**Related:** [Read about when Rikvin Capital provided UK developers with a property loan for the UK to purchase and renovate a shophouse in London](https://www.rikvincapital.com/case-study/property-loan-for-uk-developers-to-purchase-and-renovate-shophouse/)

- **Location:** Scotland, United Kingdom
- **Market Value:** £2,890,000
- **Loan Amount:** £1,731,500
- **Loan-to-Value:** 60%
- **Duration of Loan:** 12 Months
- **Payment Schedule:** Rolled Up + Monthly Interest Payment
- **Asset Type:** Portfolio of Commercial Properties
- **Completion Time:** 1 week

## Frequently asked questions

### My company is going through internal restructuring. Can a property refinance help with cash flow?

Yes. The Scotland case here refinanced a £2.89 million portfolio of commercial properties (60% loan-to-value, £1.73 million advance) in 1 week, releasing cash to support the company through restructuring. Restructuring-bridge loans are a niche we are familiar with.

### Can multiple commercial properties be refinanced as a single combined loan?

Yes. The Scotland deal combined a portfolio into one loan, which is faster and cheaper than refinancing each property separately. We take first charge on each property and assess loan-to-value against the combined market value.

### How is the loan typically exited after restructuring is complete?

Most borrowers refinance back into a high-street commercial mortgage once the company's position has stabilised and lenders return to the table. Where some properties are sold as part of the restructuring, those sale proceeds can also be used to redeem the loan in tranches.

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