Merchant Cash Advance and Business Loan for Property Management Company

When a Birmingham-based property management firm needed urgent funds to renovate a newly acquired short-let property, credit challenges stood in their way. Turned down elsewhere, they approached our business finance team in search of a solution.

Clifton Private Finance structured a combined merchant cash advance and unsecured business loan, giving them the capital they needed to move quickly and unlock a new income stream.

The Scenario

Our client is a property management company across Birmingham and the wider West Midlands. They manage a portfolio of properties, handle maintenance, and collect payments from platforms such as Booking.com and Stripe.

The business had recently acquired a new property with strong rental potential. But before it could be listed, it needed essential renovation work – and fast. The client needed to raise £20,000 as soon as possible to get the property ready for market and start generating income.

However, an adverse business credit score made traditional borrowing difficult. A couple of relatively minor issues (a defaulted utility bill and a missed phone bill payment) had already led to rejections from other lenders. Time was running out, and the client was concerned that this opportunity would slip away.

The Solution

After being turned down elsewhere, the client approached Clifton Private Finance, having heard that we specialise in finding solutions when others can't.

One of our expert business finance brokers reviewed the business' cash flow, income streams, and short-term funding requirements. Despite the credit challenges, the client had steady platform income from Booking.com and Stripe – and that opened the door to an alternative solution.

We arranged a two-part funding package:

• £9,800 via a Merchant Cash Advance, based on future card payments through Booking.com and Stripe
• £10,000 through an unsecured business loan from a lender that specialises in sub-£30K loans for limited companies

Together, this delivered the full £19,800 the client needed – and crucially, it was all completed within 10 days.

It's worth noting that many brokers don't work with MCAs at all. Because Clifton Private Finance is whole-of-market, we were able to take a broader view of the client's financials and explore every available funding option.

The Outcome

With the funds secured quickly, the client was able to begin renovation work immediately and prepare the new property for listing. The speed of funding meant they didn't have to miss out on an additional income stream or delay their plans unnecessarily.

The client appreciated that we didn't rule anything out; we looked at what was possible, not just what was easy. And our ability to act quickly, despite the credit history, made a significant impact on their business trajectory.

What started as a funding dead-end became a tailored finance solution; and another example of how the right advice can unlock opportunities, even when it seems like the door is closed.

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