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A specialist provider of dementia care had run into problems with its bank after an expansion of its business did not go to plan.  A newly opened care home had been graded as “inadequate” by the Care Quality Commission, which had prompted the bank to call in its loan facilities.  Fiduciam and the care home group worked closely together on a relay facility, allowing the care home group to repay its bank whilst executing a corporate restructuring that would enable it to tap into bank finance once again.  This restructuring plan had to be delivered around the needs of the nursing home patients.  Fiduciam was actively involved in the restructuring, which was completed successfully. The care home group refinanced with a high street bank one year later.

An important and family-owned landlord, focused on affordable property for key-workers in London, uses Fiduciam to finance new property acquisitions and portfolio reallocations. As with other property investors he uses a mix of traditional bank loans and buy-to-let loans complimented by Fiduciam’s commercial mortgages. When acquiring new property, the high-street banks usually cannot meet time deadlines or simply wish to hold off until a rental track record has been established. Fiduciam is a constant provider of funding on new acquisitions for this successful landlord as he continues to build out his portfolio.

Following the take-over and recapitalization of TVR by a group of successful British entrepreneurs, the development of a new high-performance car was commenced in close cooperation with Gordon Murray Design. Fiduciam provided the cornerstone of the second capitalization round, working together with the Welsh government and equity investors, in order to finance a new production facility in South Wales, a project representing £30 million of capital expenditure and creating 150 direct jobs and many more in the supply chain. This loan facility demonstrates Fiduciam’s ability to successfully complete ambitious transactions.