Funding for
Shareholder & partner buyouts
A shareholder or partner is leaving, a price has been agreed, and the remaining owners need to fund their share - but the cash is tied up in property and a bank won't fund a change of control inside the timeframe. Releasing equity from property your company or trust already owns can settle an agreed buyout in days, assessed on the security and your exit rather than full financials.
Fund an agreed buyout.
The amount, the asset and the timeframe. We’ll match you with a funder and email you their introduction. Reply to it and they’ll be in touch.
- No cost and no obligation. An enquiry is not a commitment to anything.
- We match you with a funder and email you their introduction. Reply to it and they take it from there.
- Your details stay with us until you reply to the introduction.
Enquire
Send an enquiry
Takes two minutes.
When a buyout is agreed but the money isn’t there yet
A shareholder or partner is leaving - a retirement, a falling-out, a planned succession, or a death or disability that triggers your buy-sell agreement. A price has been set, or is close to it, and the remaining owners have the right to buy the departing interest. The problem is rarely the agreement; it’s the cash. A bank won’t fund a change of control quickly, the company’s money is working in the business, and the equity that could cover the buyout is sitting in property - not in the account. Meanwhile the buy-sell timetable, or the departing owner, wants the matter closed.
How the funding works
A second mortgage behind your existing mortgage - or a caveat where the deadline is tight and speed matters more than term - releases equity from property the company, the remaining owner, or the trust already owns. There’s no refinance of your first facility and no disturbing your current rate. The funds pay out the departing shareholder or partner at the agreed price, the share transfer completes, and the registers update. It’s assessed on the security and a clear exit, not full financials, so it moves at the speed of the deal rather than the bank. The exit is usually a refinance to longer-term finance once the new ownership is bedded down, or the business trading through; the short-term funding bridges the gap to that point.
When this works - and when to settle the split first
This suits a clean, agreed buyout: a real, documented valuation, a price both sides accept, and a genuine exit. It does not suit a contested or unvalued separation. If the price is disputed, or no proper valuation has been done, borrowing fast against the property doesn’t resolve the disagreement - it funds one side of an argument and enlarges the loss if the deal unwinds. That reader is better served first by their accountant or adviser, an independent valuation, and the dispute mechanism set out in the shareholders’ agreement. Sometimes the right answer is to settle the number before funding it. One more accountant-grade point: a departing owner’s personal guarantees don’t fall away automatically on a share transfer - a release usually has to be sought, often as part of the refinance.
What we’ll need
The property and the existing mortgage details, the agreed buyout price (and the valuation or buy-sell clause behind it), and the exit. No full financials to start. We confirm the indicative terms and the position behind your first mortgage, and move from there. All figures are indicative and subject to assessment; full terms sit on our rates and fees page.
- Remaining owners funding an agreed buyout at a real, documented valuation
- Companies or trusts with equity in property and a clear refinance or trading exit
- A buy-sell or shareholders' agreement deadline a bank can't meet in time
- A contested or unvalued split with no agreed price - settle the valuation first
- Owner-occupier consumer borrowers (business-purpose only)
- Anyone without a realistic refinance or repayment exit
Sounds like your situation?
Tell us the amount, the asset and the timeframe. We’ll match you with a funder and email you their introduction.
How it compares
FAQ
Can we fund a buyout without refinancing our existing mortgage?
Yes. A second mortgage or caveat sits behind your current facility, releasing equity from property you already own to fund the buyout - your first mortgage stays untouched.
What if we haven't agreed on a price yet?
Settle the valuation first. Short-term funding suits an agreed buyout with a documented price and a clear exit. If the split is contested or unvalued, your accountant or adviser, an independent valuation and the dispute mechanism in your shareholders' agreement come first - funding an unresolved separation only enlarges the problem.
How is the buyout repaid?
Usually by refinancing to longer-term finance once the new ownership is settled, or from the business trading through - the short-term funding bridges the gap to that exit.
Does a departing owner's personal guarantee fall away automatically?
No - guarantees to your existing mortgage holder or creditors don't lapse on a share transfer. A release usually has to be sought, often as part of the refinance, so it's worth raising with your adviser early.
How fast can it settle?
Often within days once we have the security details, the agreed price and a clear exit.
Can I borrow against property to buy out a business partner?
Yes. A company, trust or the remaining owner can raise the buyout amount against commercial, investment or residential property, up to 75% of value across all loans, provided the purpose is business and every owner of the security property agrees.
Fund an agreed buyout.
No cost, no obligation. The form is back up the page and takes two minutes.