Insights from Willow Private Finance

Clear answers for complex finance decisions.

Willow Private Finance is an independent, whole-of-market finance brokerage. We help individuals, families, businesses and professional advisers navigate mortgages, specialist property finance, private banking, portfolio-backed lending and protection, particularly when standard routes do not fit.

Property finance Private clients Business & protection Market intelligence
FCA regulated Independent advice Established in 2008 UK & international clients
Explore Willow's guides and expertise
Business Owners & Capital Extraction

When the client needs liquidity—but selling or extracting may not be the only answer.

Practical guidance for accountants comparing property-backed borrowing with company extraction, asset sales and other routes to capital.

Willow navigator What does your client need the capital to do?

Choose the closest situation. You can browse all nine guides further down.

01 The client needs substantial liquidity Read the relevant guide 02 Commercial property could fund growth Read the relevant guide 03 Company funds may otherwise be extracted Read the relevant guide
9 practical guides

Find the question you need answered.

There is no required reading order. Each guide deals with one issue likely to arise when a business owner needs capital or has non-standard income.

Accessing capital Liquidity, property security & extraction 5 guides
01 Your Client Needs £500,000 of Liquidity: Should Property Finance Enter the Discussion? Substantial liquidity 02 When a Client’s Balance Sheet Is Stronger Than Their Payslip Asset-rich clients 03 Raising Capital Against Property Without Selling the Asset Capital raising 04 Using Commercial Property to Raise Capital for Business Investment Commercial security 05 When Business Owners Should Test Property-Backed Finance Before Extracting Company Funds Company extraction
Business circumstances Income, tax arrangements & trading history 4 guides
06 Business Owners With Property Wealth but Limited Personal Income: What Borrowing Routes May Exist? Property-rich owners 07 A Client Has an HMRC Time to Pay Arrangement: How Could It Affect Property Finance? HMRC arrangements 08 Your Client Recently Incorporated Their Sole Trade: Can Lenders Use the Earlier Business History? Recent incorporation 09 Your Client Runs a Seasonal Business: How Might a Mortgage Lender Assess Their Income? Seasonal income
Speak with a specialist adviser

Have a business-owner case you would like to sense-check?

Start with the objective, approximate amount, timing, available property and proposed repayment route. A concise outline is enough for an initial conversation.

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Willow Private Finance provides mortgage and property finance advice. Accountants remain responsible for accounting and tax advice. Lending is subject to status, valuation, lender criteria and full underwriting.