From Stuck to Success: How Willow Private Finance Helped A Property Developer Overcome A CCJ and Lack of Cashflow

9 January 2023

With a bridging loan and personalized support, Stephen Pendry enabled our client to complete renovations on two properties and start earning an income from them in just four working days

Stephen Pendry
Stephen Pendry - Morgage and Protection Specialist

When our client approached us, they was facing a tough situation. They owned a property that was halfway through a refurbishment, but had recently purchased a derelict property as well. Despite their enthusiasm for the projects, they found that they did not have the necessary cashflow to refinance or complete either of them.


To make matters worse, they had a County Court Judgement (CCJ) on their record, which made it even more difficult for them to secure financing.


Our client was in danger of being stuck with two properties that they couldn't afford to finish, making no income from either of them.


That's where Stephen from Willow Private Finance came in.


The team at Willow knew that our client was a skilled and ambitious property developer, and were determined to help them succeed. They worked with them to understand their needs and came up with a solution: a bridging loan at a rate of 0.8% per month, with a £3,200 arrangement fee. The loan would give our client the financial support they needed to complete the renovations on both properties and arrange exit finance.


But Stephen and the team didn't just stop there.


Stephen also worked with our client to come up with a plan to satisfy their CCJ and get them back on track. Thanks to Stephen's help, they were able to complete the renovations and let out the properties, finally starting to earn an income from them.


In just four working days, Willow Private Finance was able to provide them with the financial support they needed to turn their property dreams into a reality. Stephen's flexible and timely approach made all the difference, and they is now well on their way to building a successful property development business.

Enquire About Finance
by Wesley Ranger 16 December 2025
Compare private banks and specialist lenders in 2025 and learn where family offices secure the best property finance terms, flexibility, and strategic control.
by Wesley Ranger 16 December 2025
Learn how family offices use prime residential property as security to unlock global investment liquidity in 2025 without forced sales or excessive leverage.
by Wesley Ranger 16 December 2025
Discover how family offices optimise loan-to-value across UK, European, and international property portfolios in 2025 to unlock liquidity without over-leveraging.
by Wesley Ranger 16 December 2025
Explore how family offices structure cross-border property finance in the UK, France, and Monaco in 2025, and how specialist lenders assess risk, liquidity, and control.
by Wesley Ranger 15 December 2025
How UHNW families use asset-backed lending in 2025 to release liquidity from property and investment portfolios without forced asset sales or balance sheet disruption.
by Wesley Ranger 15 December 2025
Explore how family offices unlock strategic liquidity from unencumbered property portfolios in 2025 without forced sales or structural compromise.
Show More