Arc & Co. structures £4.7m funding to stabilise and expand property portfolio

16 March 2026

LONDON, UK - Arc & Co. has successfully delivered a £4.7 million structured funding solution across three interconnected facilities to both protect and expand a property investor’s portfolio.

The transaction, led by Senior Broker Corey Dennis, began with an urgent requirement to refinance an existing Buy-to-Let facility that was close to maturity.

The underlying asset, a 16-unit residential block held under a single freehold, had recently been down valued by £400,000, creating additional pressure on leverage and restricting refinancing options.

Recognising that speed and structure were equally critical, Corey arranged a £2.9 million bridging facility at 75% loan-to-value, calculated against the aggregate market value of the individual units rather than a discounted block valuation. This distinction proved pivotal. By underwriting the asset on an aggregate basis, the lender was able to provide sufficient leverage despite the revised valuation, ensuring the refinance remained viable.

With the main residential asset stabilised, Arc & Co. then moved to the second phase of the strategy: restructuring two additional assets and releasing equity to fund further acquisitions.

Two five-year fixed-rate facilities were arranged across semi-commercial and commercial properties, totalling just over £1.9 million. Both were structured at 73% loan-to-value against vacant possession value, with pricing secured at 6.25% and 7.6% respectively.

Importantly, the facilities were arranged at 73% gross to vacant possession value with fees added on top, maximising leverage and enabling the client to extract capital efficiently. The funding repaid the existing lender in full while generating sufficient equity to support the acquisition of two new development sites.

The coordinated three-part transaction highlights Arc & Co.’s ability to manage complex, time-sensitive refinancing scenarios while keeping a longer-term growth strategy in focus. Corey delivered a solution that not only resolved a time sensitive issue following the down valuation but also unlocked new investment capacity.

Commenting on the transaction, Corey Dennis said:

“From the outset, this was about more than simply refinancing an existing facility, it was about protecting the client’s position and creating a clear route forward. Despite the down valuation, it was key to approach a lender that would accept the aggregated value of the individual units. This ensured the existing facility could be redeemed and provide stability.

We were then able to refinance the wider portfolio, release additional capital and support the acquisition of two new development sites. It’s a strong example of how the right funding strategy, delivered in stages, can turn a pressured situation into a platform for growth.”