LHV Bank has completed a £5m commercial real estate investment loan to refinance two care home assets and support the continued growth of a multi-million-pound property portfolio.
The borrower, a seasoned investor in residential and commercial property, required refinancing for three loans and sought additional funds to back further acquisitions.
Introduced by Joseph Kahan, director of Secure Finance Limited, the deal involved close coordination between all parties to meet tight timelines.
The two underlying assets are operated by registered charities delivering specialist care services.
As part of its due diligence, LHV Bank assessed the financial stability of the operators and the long-term sustainability of the operating model.
The transaction was completed within three weeks of credit approval, supported by LHV Bank’s in-house underwriting, lending operations and finance teams. The bank’s legal adviser, Lawrence Stephens, acted on a dual-representation basis, helping ensure an efficient drawdown process.
Conor McDermott, director of SME lending at LHV Bank, said: “This case highlights exactly where we add value. A borrower with a clear strategy, a tight timeline, and just enough complexity to fall outside the scope of more rigid lenders.
“By working closely with Secure Finance, the deal team led by Sadiq Patel, lending director, and our legal partners, were able to move quickly and deliver ahead of schedule.
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It’s a good example of the kind of practical, relationship-led lending that continues to resonate in today’s market.”
The facility was structured as a five-year term loan, amortised over 20 years. The funding follows LHV Bank’s reported 30% year-on-year growth in its SME loan book for Q1 2025, underlining continued demand for commercial real estate and trading business finance.
Joseph Kahan, director of Secure Finance Limited, added: “From the outset, this was a case that required a lender with both flexibility and urgency.
“Sadiq and LHV Bank took a clear-sighted, practical approach and worked at pace to get the deal done.
“The level of communication throughout was excellent, and it was clear the team understood the client’s priorities. It made all the difference, and we look forward to working with them again.”
