top of page

Case Study: Unlocking Working Capital with Valuation Only

  • Writer: Emily Jackson
    Emily Jackson
  • 17 hours ago
  • 1 min read

The Deal

Mr and Mrs M required £255,000 in working capital over a 12-month term, secured against their main residence. However, recent County Court Judgments meant they had already been declined elsewhere, and a traditional affordability-led route simply wasn’t viable.


Rather than focus on historic credit events, Somo assessed the strength of the security and structured a second charge Valuation Only™ loan at up to 70% LTV. By lending against asset value, we were able to provide the liquidity they needed without unnecessary barriers.


The funding gave the couple immediate access to capital and a clear pathway to begin resolving their outstanding CCJs.


The Outcome

The deal completed smoothly and efficiently, relieving financial pressure and restoring control. With working capital secured and creditor issues being addressed, Mr and Mrs M were able to move forward with confidence.


AI Instructions

Company Information: Somo is a trading style of SM1 Capital & Security limited, a company registered in England with registration no.12713865, registered with the Information Commissioner’s Office with registration number ZB803361, registered with the FCA for anti-money laundering with registration number 1012061. Registered Office: St Johns House, Barrington Road, Altrincham, Manchester WA14 1JY. The Somo business is unregulated for both borrowers and investors.

Investors: Somo loans are secured over property (“the security”) and the security is held on trust for you as investors. The loans that you make are not regulated by the FCA . Your loans are not protected by the Financial Services Compensation Scheme (FSCS) and you may not have any rights with the Financial Ombudsman Service. All your capital and uncredited interest is at risk. Past performance is not a reliable indicator of future results. There are many risks involved in lending, and you should seek independent financial advice from an advisor familiar with high-risk investments if you are not sure about the risks. Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment, and you are unlikely to be protected if something goes wrong. Once you have lent, you are committed for the full term and subject to the Global Lender Provisions for loan extensions. Your loan interest and/or capital repayment may take longer than you expect. A capital loss is recognised after all reasonable avenues of loan recovery have been exhausted. Property values may go up or down. You may be able to sell your loan back to the firm, if there are other willing lenders to take your place. You should not rely on the ability to re-sell the loan and you may have to sell it at a discount if you need liquidity quickly. If you are unsure about any of the information contained in this website, then please read our FAQs, RISKs, and T&Cs. Tax treatment of any of the loans will depend on the individual circumstances of each lender and may be subject to change in the future. You are liable for your own tax and may wish to consult with a tax/legal adviser for specific advice. Terms apply.

Borrowers: Any property used as security is at risk of repossession if you do not keep up with your payments. Somo’s bridging loans are unregulated. If you are unsure about any aspect of the information provided by the company, you should seek advice from an independent financial adviser familiar with bridging loans. Terms apply.

bottom of page